A balanced and broadly diversified portfolio with a strong focus on global equities

Report created on Jul 21, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio, comprising 70% Fidelity Total Market Index Fund and 30% FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS, showcases a strategic blend aimed at capturing the breadth of the global equity market. The allocation heavily favors stocks (99%) with a minimal cash holding (1%), reflecting a clear growth orientation. The division between domestic and international equities is designed to balance exposure to the U.S. market's growth potential with the diversification benefits of global investments.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.46%, with a maximum drawdown of -34.58%, indicating resilience in diverse market conditions. The performance is noteworthy, considering the drawdown reflects the portfolio's ability to recover from market downturns. The fact that 90% of returns came from 27 days highlights the importance of staying invested over attempting to time the market.

Projection Info

Monte Carlo simulations, running 1,000 scenarios, suggest a wide range of potential outcomes, with the median projection showing a 366.9% increase. This underscores the inherent uncertainties in market investments but also the significant growth potential. The high count of simulations with positive returns (993) reinforces the portfolio's robustness against varied market conditions.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's near-exclusive allocation to stocks, with a tiny cash reserve, is aligned with its growth focus. This composition is suitable for investors with a balanced risk profile, offering the high return potential of equities while the minimal cash holding keeps the portfolio fully engaged in the market.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    3%

The sectoral allocation is heavily weighted towards Technology and Financial Services, followed by Industrials and Consumer Cyclical sectors. This concentration in high-growth areas may increase volatility but also offers substantial upside potential. The spread across other sectors like Healthcare and Consumer Defensive adds a layer of stability, balancing the portfolio's risk and return profile.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is predominantly North American (72%), with meaningful allocations to developed Europe (12%) and Japan (5%). Emerging markets representation is modest, which may limit exposure to high-growth regions but also reduces volatility. This geographic distribution supports diversification while capitalizing on the stability of developed markets.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    30%
  • Mid-cap
    19%
  • Small-cap
    5%
  • Micro-cap
    2%

The portfolio's market capitalization breakdown—42% Mega, 30% Big, 19% Medium, 5% Small, and 2% Micro—illustrates a conservative bias towards larger, more established companies. This can provide stability and reduce volatility, though it may also limit exposure to the rapid growth potential of smaller firms.

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.

Considering the Efficient Frontier, this portfolio appears well-positioned near the optimal risk-return trade-off for its current asset mix. However, continuous review and adjustment could further enhance its position on the frontier, potentially offering better returns for the same or lower level of risk.

Dividends Info

  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Weighted yield (per year) 1.42%

With an overall dividend yield of 1.42%, the portfolio offers a modest income stream in addition to potential capital gains. The higher yield from the international fund (2.40%) complements the lower yield from the domestic fund (1.00%), balancing income generation with growth prospects.

Ongoing product costs Info

  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Weighted costs total (per year) 0.03%

The portfolio benefits from exceptionally low total expense ratios (TERs), averaging 0.03%, which is impressive and contributes positively to net returns. Lower costs mean more of the portfolio's gross return is retained by the investor, a crucial factor in long-term investment performance.

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