Growth focused US heavy portfolio with strong equity exposure and moderate diversification across regions and sectors
Report created on Sep 12, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 40.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 30.00% -
FZ FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 20.00% -
FT Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 10.00%
This portfolio is a straightforward four‑fund equity mix, with 100% invested in stocks. About 70% sits in broad US exposure, split between a core S&P 500 index fund and an S&P 500 momentum ETF. Another 20% goes to a zero‑fee international index fund, and the final 10% targets US technology specifically. Structurally, this creates a “core and satellite” setup: broad market funds form the core, and more focused momentum and tech funds act as satellites. That matters because satellites can drive extra risk and return on top of the steady core. Overall, the build leans clearly toward US large‑cap growth, with a single asset class but multiple sources of return within it.
Growth
From August 2018 to September 2026, $1,000 in this portfolio grew to about $3,414, a compound annual growth rate (CAGR) of 16.41%. CAGR is like your average yearly speed on a long road trip, smoothing out bumps along the way. Over the same period, a US market benchmark returned 14.65% and a global market benchmark 12.02%, so this portfolio outpaced both. The worst decline, or max drawdown, was about -32.6% during early 2020, very similar to the benchmarks’ drops. That shows the portfolio has behaved like a growth‑oriented stock mix: strong long‑run gains but meaningful short‑term swings, especially around market shocks.
Projection
The Monte Carlo projection uses 1,000 simulations based on historical patterns to estimate many possible 15‑year paths. Think of it as running the future thousands of times with slightly different dice rolls for returns. The median outcome turns $1,000 into about $2,727, while the middle half of scenarios (p25–p75) ranges from roughly $1,824 to $4,147. The full “likely but not extreme” band (p5–p95) spans about $1,021 to $7,956. The average simulated annual return is 8.14%, and about three‑quarters of simulations finish positive. These are not predictions, just probability‑style illustrations; real markets can behave differently from the past that powers the model.
Asset classes
- Stocks 100%
All of this portfolio is in one asset class: stocks. That creates a clear, growth‑oriented profile with no built‑in cushion from bonds or cash. Within equities, there is still diversification by sector, region, and company, but everything is tied to stock market behavior overall. When stocks broadly rise, a 100% equity portfolio can benefit strongly; when they fall, there is nothing here that typically offsets those drops. This setup lines up with the “growth” risk rating and explains why volatility and drawdowns look similar to equity benchmarks. The asset‑class choice is simple and transparent, but it leaves risk management primarily to diversification within stocks rather than mixing different asset types.
Sectors
- Technology 45%
- Financials 12%
- Industrials 10%
- Health Care 7%
- Telecommunications 7%
- Consumer Discretionary 5%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector‑wise, the portfolio is clearly tilted: about 45% sits in technology, with the rest spread across financials, industrials, health care, telecom, consumer areas, energy, materials, utilities, and real estate in smaller slices. Broad global benchmarks usually have a lower tech weight, so this is a meaningful overweight. That’s partly driven by the dedicated technology ETF and the momentum fund, which often leans into recent tech winners. High tech exposure can boost returns when innovation‑driven companies lead the market, as they have at times in recent years. It also means portfolio performance is especially sensitive to changes in tech sentiment, regulation, and interest rates, which tend to hit growth companies harder.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 4%
- Japan 3%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 81% of the portfolio is in North America, with modest allocations across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, and Africa/Middle East. Global equity benchmarks typically give the US a large share, but not quite this high, so the portfolio is US‑tilted relative to the worldwide market. The international slice still brings in different economies, currencies, and policy environments, which helps broaden diversification beyond a single region. However, the US remains the main driver of overall returns and risk. This alignment with a US home bias has worked well during periods of strong US outperformance, but it also means global diversification benefits are only moderate, not extensive.
Market capitalization
- Mega-cap 46%
- Large-cap 38%
- Mid-cap 14%
- Small-cap 1%
By market capitalization, the mix is dominated by mega‑caps (46%) and large‑caps (38%), with smaller allocations to mid‑caps (14%) and a very small small‑cap slice (1%). That pattern is close to how major indices are structured, where the largest companies make up most of the total market value. Large and mega‑cap stocks tend to be more established businesses with deep liquidity and broad analyst coverage. That usually means less company‑specific risk compared with tiny firms, but also fewer extremes, good or bad. The relatively light exposure to smaller companies suggests the portfolio’s return profile is driven primarily by big, well‑known names rather than high‑risk, high‑variance small caps.
True holdings
-
NV NVIDIA Corporation 4.52%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Invesco S&P 500® Momentum ETF
-
MU Micron Technology Inc 3.77%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Invesco S&P 500® Momentum ETF
-
AV Broadcom Inc 2.25%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Invesco S&P 500® Momentum ETF
-
AA Apple Inc. 1.57%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
AM Advanced Micro Devices Inc 1.48%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Invesco S&P 500® Momentum ETF
-
JN Johnson & Johnson 1.42%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
GO Alphabet Inc Class A 1.29%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
LR Lam Research Corp 1.18%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Invesco S&P 500® Momentum ETF
-
MS Microsoft Corporation 1.13%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
GO Alphabet Inc Class C 1.02%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Top 10 total 19.64%
Looking through the ETFs’ top holdings, several companies repeat across funds, creating hidden concentration. For example, NVIDIA alone accounts for about 4.5% of the total portfolio via multiple funds, while Micron, Broadcom, Apple, AMD, Johnson & Johnson, Alphabet (both share classes), Lam Research, and Microsoft each land around 1–3%. Overlap is likely understated because only top‑10 ETF positions are captured, so true concentration in these names is probably higher. This matters because, while the portfolio holds many securities indirectly, a handful of large tech and mega‑cap stocks meaningfully steer results. When these overlapping holdings do well or poorly, they can move the entire portfolio more than the headline fund count suggests.
Factors
Factor exposure here is largely balanced across value, size, momentum, quality, and low volatility, with all of these sitting in the “neutral” range around 50%. Factor exposure describes how much a portfolio leans into certain characteristics that research links to long‑term returns, like cheaper valuations (value) or recent winners (momentum). The only clear tilt is yield, which is low at 30%, meaning the holdings, on average, pay relatively modest dividends versus the broad market. A mostly neutral factor profile implies the portfolio behaves similarly to a standard market‑cap‑weighted equity index, aside from its slightly lower‑yield, growth‑leaning flavor driven by technology and momentum exposures.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 40.00% 38.7% -
Invesco S&P 500® Momentum ETF
Weight: 30.00% 32.8% -
FIDELITY ZERO INTERNATIONAL INDEX FUND
Weight: 20.00% 15.5% -
Fidelity® MSCI Information Technology Index ETF
Weight: 10.00% 12.9%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. The S&P 500 index fund is 40% of the portfolio and contributes about 38.7% of total risk, very proportional. The momentum ETF is 30% of assets but about 32.8% of risk, slightly above its weight. The international index fund, at 20% weight and 15.5% risk contribution, actually dampens overall volatility somewhat. The tech ETF, only 10% of the portfolio, adds nearly 13% of risk, showing its higher volatility. Altogether, the top three positions drive about 87% of total risk, reflecting meaningful risk concentration in the broad US and momentum sleeves.
Risk vs. return
This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.
Click on the colored dots to explore allocations.
The risk‑return chart shows the current portfolio with a Sharpe ratio of 0.66, expected return of 16.88%, and volatility of 19.54%. The Sharpe ratio compares excess return over a risk‑free rate to risk taken; higher means better risk‑adjusted performance. The optimal mix of these same four holdings has a higher Sharpe of 0.88, at 22.70% return and 24.54% risk, while the minimum‑variance mix has lower risk but also lower return. The key point: this portfolio already sits on or very close to the efficient frontier, meaning for its current risk level, the weights are quite efficient. Any potential improvements would be more about fine‑tuning than fixing clear inefficiencies.
Dividends
- Fidelity® MSCI Information Technology Index ETF 0.30%
- Fidelity 500 Index Fund 1.00%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.30%
- Invesco S&P 500® Momentum ETF 0.70%
- Weighted yield (per year) 1.10%
The portfolio’s overall dividend yield is about 1.10%, below many broad equity indices. Dividend yield is the yearly cash payout as a percentage of price, like rental income from a property. The international fund has the highest yield here at 2.30%, while the dedicated tech ETF yields just 0.30%, reflecting the growth‑oriented nature of many technology companies that reinvest profits instead of paying them out. In this setup, most of the expected return historically has come from price growth rather than income. For investors tracking total return, that can be perfectly fine, but it does mean cash distributions are a relatively small contributor to overall performance.
Ongoing product costs
- Fidelity® MSCI Information Technology Index ETF 0.08%
- Fidelity 500 Index Fund 0.02%
- Invesco S&P 500® Momentum ETF 0.13%
- Weighted costs total (per year) 0.06%
Costs are a notable strength. The total expense ratio (TER) across holdings averages about 0.06% per year, which is very low by industry standards. TER is the annual fee charged by funds, similar to a management overhead; lower fees leave more of the portfolio’s gross return in your pocket. Each component fund here is inexpensive, from the 0.02% S&P 500 index fund to the 0.13% momentum ETF. Over long periods, even small fee differences compound, so starting from such a low baseline is a meaningful structural advantage. This cost profile aligns well with best practices for broad, index‑based investing and supports better long‑term net outcomes.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey