Growth-oriented portfolio with strategic focus on global diversification and value investing

Report created on Jul 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio showcases a thoughtful blend of domestic and international exposure, heavily favoring equity investments with a strategic tilt towards value investing, particularly in small-cap sectors. The allocation across large index funds and specific ETFs indicates a preference for broad market exposure while seeking additional growth through targeted small-cap value plays. The portfolio's structure, heavily weighted towards equities, aligns with its growth profile and broad diversification objective, though it also introduces a higher level of market risk.

Growth Info

Historical performance data reveals a robust Compound Annual Growth Rate (CAGR) of 14.33%, although it's accompanied by a significant maximum drawdown of -35.64%. This suggests that while the portfolio has achieved strong growth, it has also experienced considerable volatility, a common trait for growth-oriented investments. The history of concentrated returns on specific days underscores the market's unpredictable nature and the importance of staying invested through market cycles for long-term growth.

Projection Info

Monte Carlo simulations, using 1,000 iterations, project a wide range of potential outcomes, with the median scenario suggesting a 433.9% return. Such simulations are valuable for understanding potential volatility and return profiles but should be interpreted with caution. They rely on historical data, which, while informative, cannot predict future market movements with certainty. Diversification and regular portfolio reviews remain crucial for managing risk.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% of the portfolio allocated to stocks, the asset class distribution underscores a clear growth orientation and higher risk tolerance. This singular focus on equities offers significant growth potential but also exposes the portfolio to market volatility. Diversification across different asset classes, such as bonds or real estate, could provide a buffer during market downturns, potentially smoothing out returns over time.

Sectors Info

  • Technology
    20%
  • Financials
    19%
  • Industrials
    13%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Discretionary
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation reveals a balanced mix, with a notable emphasis on technology and financial services. This composition reflects current market trends and growth opportunities but also indicates potential concentration risks. Sectoral shifts, such as regulatory changes or economic cycles, can disproportionately impact the portfolio's performance. Regularly reviewing and adjusting sector exposures can help mitigate these risks.

Regions Info

  • North America
    63%
  • Europe Developed
    19%
  • Japan
    9%
  • Asia Developed
    3%
  • Australasia
    3%
  • Asia Emerging
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic distribution highlights a strong emphasis on North America and developed markets in Europe and Japan, with minimal exposure to emerging markets. This allocation supports stability and growth potential but may limit exposure to high-growth regions. Considering a modest increase in emerging market investments could enhance diversification and capture growth in dynamic economies.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    27%
  • Mid-cap
    18%
  • Small-cap
    9%
  • Micro-cap
    6%

The market capitalization breakdown, with a mix of mega, big, medium, small, and micro caps, illustrates a diversified approach to size exposure. This mix can help balance the stability of large companies with the growth potential of smaller firms. However, the portfolio's performance may be more sensitive to economic cycles, with small and micro-cap stocks typically more volatile but offering higher growth potential.

Redundant positions Info

  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FIDELITY ZERO INTERNATIONAL INDEX FUND
    High correlation
  • Fidelity 500 Index Fund
    FIDELITY ZERO TOTAL MARKET INDEX FUND
    High correlation

The presence of highly correlated assets, particularly among the international and total market index funds, suggests an opportunity to streamline the portfolio for efficiency. Reducing overlap can enhance diversification benefits, as similar assets tend to move in tandem, limiting the effectiveness of diversification during market downturns. A review of these positions could identify opportunities to consolidate holdings without sacrificing exposure.

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 Efficient Frontier analysis suggests room for optimization by reducing redundancy among correlated assets. This approach can improve the portfolio's risk-return profile without necessarily increasing risk or sacrificing potential returns. Focusing on diversification not just across but within asset classes can further refine the portfolio's efficiency.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Fidelity 500 Index Fund 0.90%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.50%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
  • Weighted yield (per year) 1.76%

The portfolio's average dividend yield of 1.76% contributes to its total return, blending growth and income. While the yield is modest, it complements capital gains with a steady income stream. For investors seeking a balance between growth and income, maintaining or slightly increasing exposure to higher-yielding assets could enhance the income component without significantly altering the portfolio's growth trajectory.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • Fidelity 500 Index Fund 0.02%
  • Weighted costs total (per year) 0.07%

The portfolio's overall cost, indicated by a total expense ratio (TER) of 0.07%, is impressively low, maximizing the potential for net returns. Low costs are crucial for long-term growth, as they compound over time, significantly impacting total returns. This efficient cost structure is a strong foundation, though it's always wise to remain vigilant about new investment choices that could increase costs.

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