A high-octane portfolio riding the S&P 500 with training wheels and a dash of global flavor
Report created on Jul 9, 2025Risk profile
5/7
Diversification profile
3/5
Positions
-
SP SPDR® Portfolio S&P 500 ETF
SPLG - US78464A8541 60.00% -
FS Fidelity Small-Mid Factor
FSMD - US3160925273 30.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
Let's start with the glaringly obvious: this portfolio loves its S&P 500 exposure like a kid loves cake, making up a whopping 60%. Then, in a bold move that feels more like a nod to diversification rather than a strategy, it throws in 30% in a Fidelity Small-Mid Factor ETF, and a timid 10% in Vanguard's International Stock Index. It's like ordering a salad to go with your double cheeseburger and fries — a gesture towards balance but we all know where the heart truly lies.
Growth
Historically, this portfolio has been the hare in the race, boasting a CAGR of 14.41%. But let's not forget the tortoise's lesson: slow and steady wins the race. With a max drawdown of -35.72%, it's clear this portfolio has seen some volatile days. Remember, past performance is like rearview mirror driving — it's helpful, but you still need to watch the road ahead.
Projection
Forward-looking, the Monte Carlo simulation offers a Las Vegas buffet of outcomes, from doubling down to striking out. While the median projection looks promising, the range of outcomes reminds us that investing is not for the faint-hearted. It's essential to remember these simulations are educated guesses, not crystal balls. Prepare for turbulence.
Asset classes
- Stocks 99%
- Cash 1%
This portfolio is almost entirely stocks, with a token 1% in cash — essentially the financial equivalent of keeping a spare change jar. While stocks are great for growth, this lack of diversification across asset classes could make for a bumpy ride. It's like going on a road trip with only energy drinks and no water.
Sectors
- Technology 25%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 10%
- Telecommunications 7%
- Consumer Staples 6%
- Energy 4%
- Real Estate 3%
- Basic Materials 3%
- Utilities 3%
With a tech-heavy tilt and significant bets on financial services and industrials, this portfolio is riding high on some of the market's biggest waves. But remember, sectors go in and out of favor like fashion trends — what's hot today may not be tomorrow. Diversifying across sectors can help smooth out those inevitable bumps.
Regions
- North America 90%
- Europe Developed 4%
- Asia Emerging 2%
- Japan 2%
- Asia Developed 1%
North America takes up 90% of the geographic allocation, making this portfolio as American as apple pie. While there's a sprinkle of international exposure, it's like adding a dash of salt to a meal — barely noticeable. In today's global economy, overlooking the rest of the world's markets is a missed opportunity for diversification and growth.
Market capitalization
- Mega-cap 32%
- Large-cap 24%
- Small-cap 19%
- Mid-cap 19%
- Micro-cap 5%
This portfolio has a somewhat balanced approach to market capitalization, though with a slight lean towards the giants and minnows of the market. While mega and big caps offer stability, the small and micro caps are like the wild cards, offering potential for significant growth or losses. It's a mix of predictability and gambling.
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.
When it comes to risk vs. return, this portfolio is like a sports car with an iffy seatbelt — thrilling but potentially reckless. The heavy tilt towards the S&P 500 and lack of broader diversification could lead to volatility. Striving for a more efficient frontier could offer a smoother ride without sacrificing too much speed.
Dividends
- Fidelity Small-Mid Factor 1.30%
- SPDR® Portfolio S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.39%
The dividend yield across this portfolio is modest, like finding loose change in the couch cushions. While not the focus, these yields can provide a nice stream of passive income. However, don't let the hunt for dividends distract from the overall goal of balanced growth and risk management.
Ongoing product costs
- Fidelity Small-Mid Factor 0.15%
- SPDR® Portfolio S&P 500 ETF 0.02%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
One thing this portfolio gets right is keeping costs low. With total TER at just 0.06%, it's like finding a luxury car with the fuel efficiency of a compact. Low costs mean more of your money stays invested and working for you, which is always a smart move.
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