Growth-focused portfolio with high exposure to US stocks and emphasis on technology

Report created on Aug 21, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards the Fidelity Large Cap Growth Index Fund Institutional Premium Class, making up 60% of the portfolio, complemented by a 25% allocation in the Avantis® U.S. Small Cap Value ETF and a 15% allocation in the Avantis® International Small Cap Value ETF. This composition indicates a strong growth orientation, with a significant emphasis on large-cap stocks, but also includes a diversified approach by incorporating small-cap value stocks both domestically and internationally. The portfolio's diversification is moderately achieved through this mix, balancing between high-growth potential and value-driven resilience.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 18.93%, with a maximum drawdown of -36.02%. This performance suggests a high-growth trajectory, albeit with significant volatility, as indicated by the substantial drawdown. The days contributing to 90% of returns being concentrated in just 21 days highlight the portfolio's reliance on short bursts of significant gains, typical of growth-focused investments.

Projection Info

Monte Carlo simulations, running 1,000 scenarios, project a wide range of outcomes with a median increase of 664.3%, showcasing the potential for significant growth. The 5th percentile at 46.1% and the 67th percentile at 1,050.9% reflect a broad spectrum of potential outcomes, emphasizing the portfolio's high-risk, high-reward nature. However, it's essential to remember that these projections are based on historical data, which does not guarantee future performance.

Asset classes Info

  • Stocks
    100%

The entire portfolio is allocated to stocks, with no presence in bonds, cash, or other asset classes. This allocation underscores the portfolio's growth focus but also its higher risk level, as stocks are generally more volatile than bonds or cash. A more diversified asset class mix could provide a buffer during market downturns, reducing volatility without necessarily compromising long-term growth potential.

Sectors Info

  • Technology
    32%
  • Financials
    14%
  • Industrials
    10%
  • Telecommunications
    9%
  • Consumer Discretionary
    9%
  • Consumer Discretionary
    7%
  • Energy
    5%
  • Health Care
    5%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Real Estate
    1%

The portfolio's sector allocation is heavily skewed towards technology, which constitutes 32% of the investment, followed by financial services and industrials. This tech-heavy focus aligns with a growth investment strategy, given the sector's potential for high returns. However, it also increases susceptibility to sector-specific risks, such as regulatory changes or technological disruptions, which could impact performance.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Japan
    5%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is predominantly invested in North America (86%), with minimal exposure to developed Europe, Japan, and other regions. This concentration in the U.S. market leverages the robust growth of American companies but also limits global diversification, potentially increasing vulnerability to U.S.-specific economic downturns.

Market capitalization Info

  • Mega-cap
    40%
  • Small-cap
    18%
  • Mid-cap
    14%
  • Micro-cap
    13%
  • Large-cap
    13%

The market capitalization breakdown reveals a balanced mix of mega, small, medium, micro, and big caps. This diversification across market caps can help mitigate risk, as different market cap segments can react differently to market changes. However, the heavy weighting towards mega-cap stocks aligns with the portfolio's growth orientation, given their potential for substantial returns.

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 current allocation demonstrates a well-considered balance between risk and return, as evidenced by its historical performance. However, employing the Efficient Frontier concept could further optimize this balance. This method could suggest slight adjustments in asset allocation to achieve the best possible risk-return ratio, though it's based solely on historical data and theoretical models, which have their limitations.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.30%
  • Weighted yield (per year) 1.14%

The dividend yields from the ETFs add a modest income component to the portfolio, with total yield at 1.14%. While growth is the primary focus, these dividends can provide a steady income stream, which can be particularly beneficial during market volatility or downturns, offering a slight cushion against capital depreciation.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • Weighted costs total (per year) 0.14%

The portfolio's total expense ratio (TER) of 0.14% is impressively low, especially considering the diversified exposure it provides. Lower costs directly translate to better net returns over time, making this portfolio cost-efficient and likely to appeal to cost-conscious investors aiming for growth.

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