Growth focused portfolio with strong US tilt and concentrated technology exposure
Report created on Aug 6, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 50.00% -
FB FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
FBGRX - US3163893031 15.00% -
FT Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 15.00% -
FZ FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 15.00% -
FS Fidelity Select Semiconductors Portfolio
FSELX - US3163908631 5.00%
This portfolio is a five-fund mix anchored by a broad US total market index at 50%, with the rest split across a US growth fund, a tech sector ETF, an international index fund, and a focused semiconductor fund. So structurally, it’s mostly diversified core holdings with a clear technology and growth accent layered on top. That kind of “core and satellite” setup matters because the core tends to drive long-term stability, while the satellites shape where the portfolio takes bigger swings. Here, the satellites lean into faster-growing, more volatile areas. The end result is an equity-heavy, growth-oriented portfolio that’s relatively simple in fund count but still has several moving parts under the hood.
Growth
From 2018 to 2026, $1,000 in this portfolio grew to about $3,808, which is a compound annual growth rate (CAGR) of 18.24%. CAGR is like your average speed on a road trip, smoothing out the bumps along the way. Over this period the portfolio outpaced both the US market (14.64% CAGR) and the global market (11.96% CAGR) by a noticeable margin. The max drawdown, or worst peak-to-trough drop, was about -34%, very similar to the benchmarks during early 2020. That shows the portfolio has taken equity-like hits in downturns but has been rewarded with stronger growth in the recovery years. Of course, past returns don’t guarantee anything going forward.
Projection
The Monte Carlo projection uses those historical returns and volatility to simulate many random future paths for the next 15 years. Think of it as rerunning history 1,000 different ways with the same “weather patterns” but shuffled. The median outcome grows $1,000 to about $2,754, while the middle half of scenarios runs from roughly $1,746 to $4,220. Extremes range from around $900 to over $8,000. The average simulated annual return is 8.13%, with about a 72% chance of ending positive. These numbers highlight both the potential growth and the wide uncertainty range. They’re purely statistical, though — real-world markets don’t follow neat simulations.
Asset classes
- Stocks 99%
- Other 1%
Almost the entire portfolio, 99%, is in stocks, with only a tiny 1% classified as “other.” Asset classes are like broad food groups in a diet: stocks, bonds, cash, etc. Here, the “meal” is almost all equity. That’s important because stocks historically offer higher long-term growth but also larger short-term ups and downs than bonds or cash. Compared with more mixed stock/bond blends, this structure leans clearly toward growth and volatility rather than stability. The moderate diversification score in your overview is coming from variety within equities, not from owning different asset classes that might cushion stock market swings.
Sectors
- Technology 49%
- Financials 9%
- Consumer Discretionary 9%
- Telecommunications 8%
- Industrials 8%
- Health Care 6%
- Consumer Staples 3%
- Energy 2%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector-wise, technology stands out at 49% of equity exposure, far above broad market norms, which typically give tech a smaller slice. The rest is spread across financials, consumer areas, telecom, industrials, health care, and smaller allocations to other sectors. Sectors are like different parts of the economy, and loading up on one means sharing more of its particular risks and rewards. Tech-heavy portfolios often benefit in periods of innovation, strong earnings growth, or falling interest rates, but they can feel sharper drawdowns if sentiment turns or regulation tightens. This allocation clearly expresses a view that growth-oriented, tech-linked businesses will be significant drivers of returns.
Regions
- North America 85%
- Europe Developed 6%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 2%
- Australasia 1%
Geographically, about 85% of the portfolio is in North America, with relatively small slices in developed Europe, Japan, other developed Asia, and emerging Asia. Geography matters because economies, currencies, and political environments can move differently. Compared with a global market index, which spreads more across regions, this portfolio is strongly anchored in the US. That alignment has matched recent trends where US markets have led, helping performance relative to global benchmarks. The trade-off is that if US markets enter a weaker phase while other regions do better, this portfolio will stay tightly tied to the US economic and policy cycle, with less offset from overseas markets.
Market capitalization
- Mega-cap 48%
- Large-cap 28%
- Mid-cap 16%
- Small-cap 5%
- Micro-cap 1%
By company size, the portfolio leans heavily toward mega-cap and large-cap stocks (about 76% combined), with the rest in mid-, small-, and micro-cap names. Market capitalization is basically company size by stock market value. Larger companies often have more diversified businesses, more stable earnings, and deeper trading liquidity, which can make them somewhat steadier than very small firms. The presence of mid- and small-caps adds some extra growth potential and volatility, but they are not dominant here. Overall, the size mix looks quite close to broad market patterns, which tends to reduce the chance that swings in tiny, speculative names drive the portfolio’s behavior.
True holdings
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NV NVIDIA Corporation 2.55%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
AA Apple Inc 2.26%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
MS Microsoft Corporation 1.34%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
MU Micron Technology Inc 0.67%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
AV Broadcom Inc 0.61%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
AM Advanced Micro Devices Inc 0.48%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
IN Intel Corporation 0.31%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
CS Cisco Systems Inc 0.29%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
LR Lam Research Corp 0.28%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
AM Applied Materials Inc 0.27%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Top 10 total 9.05%
The look-through data, based only on top-10 ETF holdings, shows meaningful exposure to big technology names like NVIDIA, Apple, and Microsoft, each appearing across multiple funds. Even though coverage is just 9.1% of the portfolio, we can already see overlapping positions: these same companies show up in both the tech ETF and the semiconductor or growth-focused funds. Overlap matters because it can create hidden concentration — a company might look like a small piece in each fund but add up to a larger total. Here, that overlap reinforces the portfolio’s tech and semiconductor tilt, meaning those giants play a larger role in outcomes than any single fund weight might suggest.
Factors
Factor exposures — the underlying characteristics that drive returns — are mostly neutral here across value, size, momentum, quality, and low volatility. A neutral reading around 50% means the portfolio behaves fairly similarly to the broad market on those dimensions. The one notable tilt is yield, which is low at 26%. A low yield exposure means the portfolio is tilted away from high-dividend payers and more toward companies that reinvest profits into growth or simply don’t pay much income. In practice, that aligns with the overall growth and tech orientation. It also means less reliance on dividends and more on price appreciation for total return.
Risk contribution
-
FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 50.00% 45.7% -
Fidelity® MSCI Information Technology Index ETF
Weight: 15.00% 18.1% -
FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
Weight: 15.00% 17.5% -
FIDELITY ZERO INTERNATIONAL INDEX FUND
Weight: 15.00% 10.6% -
Fidelity Select Semiconductors Portfolio
Weight: 5.00% 8.1%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The total market index, at 50% weight, contributes about 46% of risk, roughly in line. The tech ETF and blue chip growth fund each weigh 15% but together contribute around 35% of risk, slightly more than their combined weight. The international index fund contributes less risk than its 15% weight, acting as a modest diversifier. The semiconductor fund is small at 5% but delivers about 8% of total risk — a sign of its higher volatility. Overall, the top three positions account for over 80% of portfolio risk, highlighting concentrated drivers.
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 risk vs. return chart uses the efficient frontier to show the best possible trade-offs among these existing holdings. The current portfolio’s Sharpe ratio — a measure of return per unit of risk using volatility — is 0.67. The maximum Sharpe mix, using only these same funds, would have a Sharpe of 0.96 but also much higher risk and return, while the minimum variance mix would dial risk down with a Sharpe of 0.57. Your current allocation sits on or very near the efficient frontier, which means, for this particular set of funds, it’s already using them in a risk/return-efficient way without obvious slack in the weighting choices.
Dividends
- FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 1.60%
- Fidelity Select Semiconductors Portfolio 10.40%
- Fidelity® MSCI Information Technology Index ETF 0.40%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.30%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 0.90%
- Weighted yield (per year) 1.62%
The overall dividend yield of the portfolio is about 1.62%, which is modest and in line with a growth-tilted, tech-heavy mix. Dividend yield is the annual cash payout as a percentage of price, and it can be a meaningful part of total return for some strategies. Here, yields on the core index funds sit under or around 2%, and the tech ETF is even lower, reflecting the tendency of growth and technology companies to reinvest rather than distribute cash. The semiconductor fund currently shows a very high yield, which may reflect special payouts or sector-specific dynamics and might not be stable year to year. Overall, this portfolio relies more on capital gains than on steady income.
Ongoing product costs
- FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 0.61%
- Fidelity Select Semiconductors Portfolio 0.60%
- Fidelity® MSCI Information Technology Index ETF 0.08%
- Weighted costs total (per year) 0.13%
The total expense ratio (TER) for the portfolio is about 0.13%, which is impressively low given the mix of active and index funds. TER is the annual fee charged by funds as a percentage of your investment, quietly shaving a bit off returns each year. Keeping costs down is one of the most reliable ways to support long-term performance because every dollar not spent on fees stays invested and compounds. Here, low-cost index products anchor the overall fee level, while the higher-cost active and sector funds are small enough that they don’t drag up the blended TER much. This cost structure is a real strength of the portfolio.
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