Growth-oriented portfolio with heavy emphasis on healthcare and S&P 500 indices

Report created on Jul 31, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio is comprised of three main investments: the Fidelity 500 Index Fund and Vanguard S&P 500 ETF, each reflecting broad market exposure, and a specialized Biotechnology Portfolio. These holdings represent a strategic focus on the stability and growth potential of large-cap companies, alongside a significant bet on the biotech sector's innovation-driven growth. This mix underscores a preference for established market performers, complemented by sector-specific growth opportunities.

Growth Info

Historically, your portfolio has achieved a Compound Annual Growth Rate (CAGR) of 11.82%, with a maximum drawdown of -32.79%. This performance indicates a relatively high growth trajectory, albeit with significant volatility, as evidenced by the substantial drawdown. The days contributing most to your returns highlight the portfolio's sensitivity to market movements and the importance of staying invested during these volatile periods.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, suggest a wide range of possibilities for your portfolio's growth. With key percentiles indicating anywhere from a -21.8% loss to over 400% gain, it's clear that while your portfolio has strong growth prospects, it also carries significant risk. These projections are useful for understanding potential volatility but remember, they cannot guarantee future performance.

Asset classes Info

  • Stocks
    99%
  • Other
    1%

Your portfolio is almost entirely invested in stocks (99%), with a negligible allocation to other asset classes. This concentration in equities is typical for growth-focused portfolios but does increase exposure to market volatility. Diversifying across different asset classes can help mitigate some of this risk while still aiming for substantial returns.

Sectors Info

  • Health Care
    33%
  • Technology
    24%
  • Financials
    11%
  • Telecommunications
    7%
  • Industrials
    6%
  • Consumer Discretionary
    5%
  • Consumer Staples
    4%
  • Consumer Discretionary
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    1%

The sector allocation leans heavily towards healthcare (33%) and technology (24%), sectors known for their growth potential but also for their volatility. This concentration aligns with your growth objectives but may benefit from a more balanced approach to mitigate sector-specific risks. The underrepresentation of traditionally defensive sectors could be a point of concern during market downturns.

Regions Info

  • North America
    97%
  • Europe Developed
    3%

Geographically, your portfolio is overwhelmingly focused on North America (97%), with minimal exposure to developed markets in Europe. This concentration in a single region, while beneficial during periods of strong U.S. market performance, limits global diversification and exposure to potential growth in other developed or emerging markets.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    35%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    4%

The portfolio's market capitalization breakdown shows a preference for mega (36%) and big-cap (35%) companies, suggesting a focus on stability and reduced volatility associated with larger, more established firms. However, the allocation to medium, small, and micro-cap stocks is relatively low, potentially missing out on the higher growth opportunities these smaller companies can offer.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Fidelity 500 Index Fund
    High correlation

The high correlation between the Vanguard S&P 500 ETF and the Fidelity 500 Index Fund indicates a redundancy in your portfolio, as both aim to replicate the performance of the S&P 500. This overlap does not contribute to diversification and may unnecessarily concentrate your risk in the performance of the S&P 500 index.

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 portfolio's risk-return profile suggests room for optimization. By addressing the overlap between the Vanguard S&P 500 ETF and the Fidelity 500 Index Fund, you could enhance diversification without increasing risk. An optimized portfolio with an expected return of 14.61% indicates potential for improved performance by reallocating assets to reduce redundancy and possibly increasing exposure to underrepresented sectors or regions.

Dividends Info

  • BIOTECHNOLOGY PORTFOLIO BIOTECHNOLOGY PORTFOLIO 1.20%
  • Fidelity 500 Index Fund 0.90%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.05%

The dividend yield of your portfolio averages 1.05%, contributing to your total return. While not the primary focus of a growth-oriented portfolio, these dividends offer a modest income stream and can provide some cushion during market downturns. Reinvesting these dividends can also compound growth over time.

Ongoing product costs Info

  • BIOTECHNOLOGY PORTFOLIO BIOTECHNOLOGY PORTFOLIO 0.63%
  • Fidelity 500 Index Fund 0.02%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.18%

With an overall portfolio cost (Total Expense Ratio, TER) of 0.18%, your investment expenses are low, which is favorable for long-term growth. The exceptionally low costs of the index funds and ETFs in your portfolio enhance net returns, a crucial factor in maximizing investment growth over time.

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