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Concentrated technology tilted portfolio with strong recent gains and notable single stock risk

Report created on Aug 3, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is quite concentrated, with the top three positions making up almost three quarters of the total value. Apple alone is roughly a third, with a broad US index fund and an actively managed mid‑cap fund providing most of the remaining exposure. Smaller positions in international equity, bonds, real estate, and a few thematic or niche funds round things out. Structurally, this means the headline allocation looks diversified across many line items, but most of the behavior is driven by a handful of core holdings. When a portfolio is built this way, understanding those key positions becomes more important than tracking every smaller line item.

Growth Info

Over the period shown, a $1,000 investment in this portfolio grew to about $1,808, a compound annual growth rate (CAGR) of 21%. CAGR is like your average speed on a long trip, smoothing out all the bumps along the way. This beat both the US market and the global market by a noticeable margin. The trade‑off is a deeper maximum drawdown of about -23%, meaning at one point the portfolio was almost a quarter below its peak. It’s also notable that 90% of gains came from just 21 trading days, underlining how a few strong days can heavily influence long‑term results.

Projection Info

The Monte Carlo projection uses the portfolio’s historical ups and downs to simulate many possible future paths. It’s like running 1,000 “what if” market histories to see a range of outcomes. Here, the median simulation takes $1,000 to about $2,827 over 15 years, with a broad middle band between roughly $1,867 and $4,248. The average annual return across all simulations is 8.23%, much lower than the recent historical CAGR, which helps temper expectations. These numbers are not predictions or guarantees; they’re illustrations based on past behavior, and real markets can be kinder or harsher than the model assumes.

Asset classes Info

  • Stocks
    95%
  • Bonds
    5%

By asset class, this is overwhelmingly an equity portfolio, with about 95% in stocks and only 5% in bonds and cash‑like holdings. That’s more stock‑heavy than a classic “balanced” mix, which often holds a larger slice of bonds to smooth volatility. Equities are typically the main driver of growth over long periods, but they also tend to swing more during market stress. The small bond allocation offers some cushioning and potential income, yet it won’t dramatically change the portfolio’s stock‑like behavior in big market moves. So the performance and risk profile are mainly equity‑driven.

Sectors Info

  • Technology
    51%
  • Financials
    9%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Discretionary
    6%
  • Telecommunications
    4%
  • Consumer Discretionary
    3%
  • Real Estate
    3%
  • Consumer Staples
    2%
  • Energy
    2%
  • Basic Materials
    1%
  • Utilities
    1%

This breakdown covers the equity portion of your portfolio only.

On a sector level, the portfolio leans heavily into technology, which makes up just over half of the equity exposure. Financials, industrials, and health‑related companies provide mid‑sized slices, while real estate, energy, staples, utilities, and other areas appear in smaller doses. Compared with broad market benchmarks, this is more tech‑tilted than average. Tech‑heavy portfolios often benefit in periods of innovation and growth optimism but can be more sensitive when interest rates rise or when markets rotate toward more defensive or value‑oriented areas. The presence of other sectors helps, but tech clearly sets much of the tone here.

Regions Info

  • North America
    89%
  • Europe Developed
    5%
  • No data
    3%
  • Japan
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is dominated by North America at about 89%, with relatively modest allocations to Europe, Japan, and other parts of Asia. That’s a stronger home‑region tilt than global market indices, which spread more evenly across the world. A concentrated regional focus can work well when that region outperforms, as the US has in recent years, but it also links results strongly to one economy, one currency, and one policy environment. The smaller non‑US holdings add some global flavor, yet the core risk and return drivers remain firmly anchored in North American markets.

Market capitalization Info

  • Mega-cap
    53%
  • Mid-cap
    20%
  • Large-cap
    14%
  • Small-cap
    7%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By company size, the portfolio is anchored in mega‑cap and large‑cap stocks, which together account for more than two thirds of exposure. Mid‑caps add a meaningful slice, with small‑caps and micro‑caps playing only minor roles. Larger companies often bring more stable earnings and deeper liquidity, which can help during stressed markets. Meanwhile, mid‑caps can add an extra layer of growth and idiosyncratic behavior. This blend creates a structure where day‑to‑day movements are shaped mainly by very large firms, but with some added punch from mid‑sized companies that may move differently from the biggest names.

True holdings Info

  • Apple Inc.
    31.04%
  • Palantir Technologies Inc.
    2.06%
  • Bank of America Corp
    1.83%
  • Amazon.com Inc
    1.44%
  • NVIDIA Corporation
    0.83%
  • American Tower Corp
    0.77%
  • CAVA Group, Inc.
    0.54%
  • Tesla Inc
    0.52%
  • Chipotle Mexican Grill Inc
    0.31%
  • IONQ Inc
    0.16%
  • Top 10 total 39.50%

This breakdown covers the equity portion of your portfolio only.

The look‑through view, which examines underlying holdings across funds, shows that current overlap is minimal in the data provided. Apple, Palantir, Bank of America, Amazon, NVIDIA, and others appear only as direct positions, not yet repeated prominently via fund top‑10 holdings. However, coverage is limited because only ETF top‑10 positions are included, and many mutual funds in the portfolio are not fully decomposed here. That means hidden overlap may be larger than it appears. In practice, broad index and diversified funds often hold popular large companies, which can quietly amplify exposure to familiar names.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 94%
Size
Exposure to smaller companies
Low
Data availability: 94%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 94%
Quality
Preference for financially healthy companies
High
Data availability: 94%
Yield
Preference for dividend-paying stocks
Low
Data availability: 95%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 94%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure analysis suggests clear tilts toward momentum and quality, with both scoring in the “high” range. Factors are like underlying traits that explain why investments move the way they do over time. A momentum tilt means the portfolio leans toward stocks that have done well recently, which can help in trending markets but may hurt when trends abruptly reverse. A strong quality tilt points toward companies with stronger balance sheets and profitability metrics, which can sometimes cushion downturns. Size, value, and yield exposures are closer to neutral or modestly low, so the portfolio isn’t heavily skewed toward deep value or high‑dividend styles.

Risk contribution Info

  • Apple Inc.
    Weight: 31.04%
    43.5%
  • Fidelity 500 Index Fund
    Weight: 25.30%
    21.3%
  • T. ROWE PRICE MID-CAP GROWTH FUND INC. T. ROWE PRICE MID-CAP GROWTH FUND INC.
    Weight: 17.72%
    15.2%
  • Palantir Technologies Inc.
    Weight: 2.06%
    4.2%
  • FIDELITY DIVERSIFIED INTERNATIONAL FUND FIDELITY DIVERSIFIED INTERNATIONAL FUND
    Weight: 5.36%
    4.0%
  • Top 5 risk contribution 88.2%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from simple weights. Apple is 31% of the portfolio but contributes about 44% of total risk, meaning its movements dominate results. The top three positions together generate roughly 80% of total portfolio risk, even though they don’t represent 80% of the weight. Smaller positions like Palantir punch above their weight in risk terms, with more than double the risk share relative to their size. This pattern highlights how a few holdings largely set the portfolio’s volatility profile.

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.

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The risk‑return chart shows the current portfolio sitting below the efficient frontier. The efficient frontier represents the best possible trade‑off between risk and expected return using only the existing holdings but with different weights. The Sharpe ratio, a simple measure of return per unit of risk above the risk‑free rate, is about 1.0 for the current mix, while hypothetical optimized combinations reach much higher Sharpe values at very low risk levels. This gap suggests that, purely from a math standpoint, there are alternative weightings of the same holdings that could improve risk‑adjusted returns without adding new assets.

Dividends Info

  • Apple Inc. 0.30%
  • American Tower Corp 4.00%
  • Bank of America Corp 1.80%
  • Roundhill Sports Betting & iGaming ETF 5.00%
  • FIDELITY DIVERSIFIED INTERNATIONAL FUND FIDELITY DIVERSIFIED INTERNATIONAL FUND 9.50%
  • FIDELITY LOW-PRICED STOCK FUND FIDELITY LOW-PRICED STOCK FUND 11.50%
  • FIDELITY REAL ESTATE INDEX FUND INSTITUTIONAL CLASS 2.60%
  • Fidelity 500 Index Fund 1.10%
  • iShares China Large-Cap ETF 1.90%
  • LEUTHOLD CORE INVESTMENT FUND LEUTHOLD CORE INVESTMENT FUND-RETAIL CLASS 7.50%
  • LOOMIS SAYLES BOND FUND RETAIL CLASS 4.60%
  • NVIDIA Corporation 0.10%
  • TOTAL RETURN FUND A 4.00%
  • T. ROWE PRICE MID-CAP GROWTH FUND INC. T. ROWE PRICE MID-CAP GROWTH FUND INC. 6.20%
  • Schwab U.S. Dividend Equity ETF 3.10%
  • Rbb Fund Inc - Us Treasury 3 Month Bill ETF 3.70%
  • Fidelity Govt Cash Rsrvs 3.30%
  • Weighted yield (per year) 2.81%

The portfolio’s overall dividend yield is 2.81%, a moderate level that mixes low‑yield growth names with higher‑yielding funds and bonds. Dividend yield is the annual cash payout as a percentage of price, similar to collecting rent from a property. Big holdings like Apple and NVIDIA pay relatively small dividends today, while some mutual funds and real estate‑focused positions provide higher income streams. This setup means that most of the portfolio’s long‑term return is likely to come from price movement rather than income alone, though the yield still contributes a meaningful ongoing cash component.

Ongoing product costs Info

  • Roundhill Sports Betting & iGaming ETF 0.75%
  • FIDELITY DIVERSIFIED INTERNATIONAL FUND FIDELITY DIVERSIFIED INTERNATIONAL FUND 0.66%
  • FIDELITY LOW-PRICED STOCK FUND FIDELITY LOW-PRICED STOCK FUND 0.87%
  • FIDELITY REAL ESTATE INDEX FUND INSTITUTIONAL CLASS 0.07%
  • Fidelity 500 Index Fund 0.02%
  • iShares China Large-Cap ETF 0.74%
  • LEUTHOLD CORE INVESTMENT FUND LEUTHOLD CORE INVESTMENT FUND-RETAIL CLASS 1.34%
  • LOOMIS SAYLES BOND FUND RETAIL CLASS 0.89%
  • TOTAL RETURN FUND A 0.87%
  • T. ROWE PRICE MID-CAP GROWTH FUND INC. T. ROWE PRICE MID-CAP GROWTH FUND INC. 0.77%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Rbb Fund Inc - Us Treasury 3 Month Bill ETF 0.15%
  • Fidelity Govt Cash Rsrvs 0.37%
  • Weighted costs total (per year) 0.27%

The weighted total expense ratio (TER) for this portfolio is 0.27%, which is quite reasonable given the mix of low‑cost index funds and higher‑fee active strategies. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly reduces returns each year. The ultra‑low‑fee Fidelity 500 Index Fund and Schwab dividend ETF help anchor costs, while a few active funds, like the Leuthold Core and certain bond strategies, charge noticeably more. Overall, the blend keeps average costs in a competitive range, which supports better compounding over long periods.

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