Broad low cost global equity mix with balanced risk and growth orientation

Report created on Apr 13, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is a pure equity mix with nine mutual funds and one ETF, heavily anchored by a large US core holding at 50%. Around a quarter is in developed markets outside the US, with smaller slices in mid caps, small caps, and emerging markets. This structure leans on broad index funds as the backbone, with a few higher-cost active funds to add spice. Having one big anchor position simplifies tracking and keeps behavior close to major equity benchmarks. The trade-off is that returns will be strongly tied to global stock markets, with little cushion from bonds or cash. For someone comfortable with equity swings, this is a straightforward growth-focused setup.

Growth Info

From 2016 to early 2026, $1,000 grew to about $3,264, which is a 12.61% Compound Annual Growth Rate (CAGR — the “per year on average” growth rate). That slightly beat the global equity benchmark but trailed the US market, which had a very strong decade. The maximum drawdown was about -34%, roughly in line with both benchmarks during the 2020 crash, and it recovered within five months, which is a reassuring sign of resilience. This pattern shows the portfolio behaves like a diversified equity basket: big hits during crises, but strong long-term compounding. Past performance, though, is not a guarantee of similar future results, especially if the decade ahead looks different from the last one.

Projection Info

The Monte Carlo projection uses many simulated paths based on historical return and volatility patterns to estimate future outcomes, like running 1,000 alternate timelines for the same portfolio. Over 15 years, the median scenario takes $1,000 to about $2,700, with a wide “likely” range from around $1,825 to $4,230. There’s roughly a three-in-four chance of ending with a positive return, and the average simulated annualized return is around 8%. These numbers give a sense of potential, but they’re not promises: simulations lean heavily on past behavior, which may not repeat in a new interest rate, inflation, or geopolitical environment. They’re best used as rough guardrails rather than precise forecasts.

Asset classes Info

  • Stocks
    100%

Every dollar here is in stocks, with 0% allocated to bonds, cash, or alternatives. That makes the portfolio simple and growth-oriented but also means there’s no built‑in stabilizer for market shocks. In many “balanced” setups, bonds or cash buffer downturns and reduce volatility; here, that role doesn’t exist, so all risk comes from equity markets. For long time horizons and steady contributions, that can be acceptable if one is mentally prepared for deep drawdowns and multi‑year flat periods. For shorter timeframes or near-term spending needs, this structure may feel rough during stress. As an equity-only core, though, it’s clean, diversified, and easy to understand.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Industrials
    13%
  • Consumer Discretionary
    10%
  • Health Care
    10%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sector allocation is fairly close to broad global equity norms, with technology the largest slice around a quarter, followed by financials, industrials, and then consumer areas and healthcare. No single sector dominates to an extreme degree, which helps avoid overexposure to one economic theme. A tech tilt does mean sensitivity to interest rates and innovation cycles — tech-heavy markets can soar in growth-friendly environments but may wobble when rates rise or sentiment turns. The presence of meaningful weights in financials, industrials, consumer, and healthcare sectors helps balance this out. Overall, the sector mix is well-balanced and aligns closely with broad market standards, which is a strong indicator of solid diversification.

Regions Info

  • North America
    66%
  • Europe Developed
    15%
  • Asia Developed
    5%
  • Japan
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Latin America
    1%
  • Africa/Middle East
    1%
  • Europe Emerging
    1%

Geographically, about two-thirds of the portfolio sits in North America, with the rest spread across Europe, developed Asia, Japan, and smaller allocations to emerging markets regions. This is actually quite close to global market-cap weights, where the US naturally dominates. The benefit is strong exposure to deep, liquid markets and many leading global companies. The trade-off is that results will be very tied to how the US and other developed markets perform, with a smaller contribution from fast-growing emerging economies. As global leadership rotates over time, this mix should still capture a broad range of opportunities without taking outsized bets on any single overseas region.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    31%
  • Mid-cap
    21%
  • Small-cap
    6%
  • Micro-cap
    1%

The market-cap breakdown is anchored in mega and large caps, which together make up over 70% of the portfolio. Mid caps add a solid chunk, and small/micro caps round out the rest. Larger companies tend to be more stable and less volatile, while smaller ones can offer higher growth but with bigger swings. This distribution echoes a typical global index profile, leaning on large, established businesses for core stability while sprinkling in smaller firms for growth potential. It’s a healthy balance: not so small-cap heavy that volatility explodes, but not so mega-cap dominated that all the upside depends on a few giants. This allocation is well-balanced and aligns closely with global standards.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.10%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Samsung Electronics Co Ltd
    0.05%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • ASML Holding N.V.
    0.04%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Tencent Holdings Ltd
    0.03%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • SK Hynix Inc
    0.03%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Roche Holding AG
    0.02%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alibaba Group Holding Ltd
    0.02%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Novartis AG
    0.02%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • HSBC Holdings PLC
    0.02%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • AstraZeneca PLC
    0.02%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 0.35%

Look-through data only covers a tiny slice of holdings here, so overlap is almost certainly understated. Still, the visible exposures include familiar global giants in technology, semiconductors, and healthcare, like Taiwan Semiconductor, ASML, and Roche. Seeing these names appear across multiple funds hints at some hidden concentration in mega-cap growth franchises, even though each position looks tiny in isolation. When the same companies show up repeatedly, their success or struggles can have a larger impact than it first appears. That’s not inherently bad — top global firms often drive index returns — but it means performance will be closely tied to how large, dominant companies fare relative to the rest of the market.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure — the tilt toward characteristics like value, size, momentum, quality, yield, and low volatility — is broadly neutral across the board here. All listed factors sit in the 40–60% range, which is basically “market-like” and indicates there’s no strong lean toward any particular style. The only mild standout is a lower exposure to yield, which fits with a growth‑focused equity mix rather than an income‑oriented one. A factor‑balanced portfolio tends to behave similarly to broad indices: it won’t strongly outperform or underperform in environments that favor one specific style, but it also avoids big style bets that can go out of favor for years.

Risk contribution Info

  • Fidelity 500 Index Fund
    Weight: 50.00%
    52.2%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 12.50%
    11.1%
  • FIDELITY GLOBAL EX U.S. INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 12.50%
    11.1%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 10.00%
    11.0%
  • FIDELITY EMERGING MARKETS FUND FIDELITY EMERGING MARKETS FUND
    Weight: 3.50%
    3.3%
  • Top 5 risk contribution 88.6%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weight. The main US index fund is about half the portfolio and contributes just over half the total risk, which is very proportional. The mid-cap index fund behaves similarly: 10% weight, roughly 11% of risk. The two large developed ex‑US funds together are a quarter of the portfolio and around 22% of risk, reflecting some diversification benefit. Overall, there’s no single position with wildly outsized risk impact beyond what its size suggests. That’s a good sign: the structure is doing what it should, and rebalancing, if done, would mainly fine-tune rather than fix major concentration problems.

Redundant positions Info

  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND
    BlackRock Small/Mid Cap Index Fund CL A
    High correlation
  • Vanguard Total International Stock Index Fund ETF Shares
    FIDELITY GLOBAL EX U.S. INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    High correlation

Correlation measures how closely assets move together; highly correlated ones often rise and fall in sync, reducing diversification benefits. Here, the small- and mid-cap funds are tightly linked, which isn’t surprising since they fish in the same part of the market. The international developed funds and the global ex‑US ETF also move almost identically, reflecting their overlapping universes. This means some holdings act more like duplicates than independent diversifiers. It’s still fine to hold multiple vehicles, but the real diversification comes mainly from splitting between US, international, and emerging markets, not from owning several similar small-cap or international funds side by side.

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.

On the risk–return chart, the current portfolio sits below the efficient frontier, with a Sharpe ratio of 0.55 versus 0.79 for the optimal mix built from the same holdings. The Sharpe ratio compares return to volatility, like measuring “return per unit of pain.” Being about 1.2 percentage points below the frontier at this risk level means that, in theory, a different weighting of these exact funds could deliver better risk‑adjusted returns without adding new products. The minimum variance mix shows that slightly lower risk could still keep returns attractive. This doesn’t mean the current setup is bad — it’s already decent — but there’s room for fine‑tuning if one wants to squeeze more efficiency from the same ingredients.

Dividends Info

  • BlackRock Small/Mid Cap Index Fund CL A 2.30%
  • FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND 0.60%
  • FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 4.10%
  • FIDELITY GLOBAL EX U.S. INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.50%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.10%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.00%
  • Fidelity 500 Index Fund 0.90%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.55%

The overall dividend yield is about 1.55%, which is modest and in line with a growth‑tilted equity portfolio. Some underlying funds, especially in emerging markets and international developed stocks, offer higher yields above 2–4%, while others, like small-cap and US core funds, pay less than 1%. Dividends can provide a steady stream of cash that contributes to total returns, especially when reinvested, but they’re only part of the story. For a strategy focused on long-term growth, total return — price gains plus dividends — matters more than chasing a high yield. This income profile fits a growth orientation rather than a dedicated income-seeker.

Ongoing product costs Info

  • BlackRock Small/Mid Cap Index Fund CL A 0.37%
  • FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND 0.85%
  • FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 0.97%
  • FIDELITY EMERGING MARKETS FUND FIDELITY EMERGING MARKETS FUND 0.86%
  • FIDELITY GLOBAL EX U.S. INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • Fidelity 500 Index Fund 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

The weighted average ongoing cost (Total Expense Ratio, or TER) is a very low 0.12%, thanks to heavy use of ultra-cheap index funds charging 0.02–0.06%. A few active emerging markets and small‑cap funds sit at 0.85–0.97%, which pulls costs up slightly, but not to a problematic level given their small weights. Keeping fees low is powerful: even a 0.3–0.5% annual difference compounds significantly over decades. Here, the costs are impressively low, supporting better long-term performance. The structure leans on low-cost building blocks in the biggest allocations, which is exactly what most evidence suggests is beneficial for compounding over time.

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