Roast mode 🔥

A hyper caffeinated tech cheerleader pretending to be a “moderately diversified” grown up growth portfolio

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Growth Investors

This setup fits someone who is pretty comfortable with risk, loves growth stories, and doesn’t mind watching numbers swing around on a screen. It suggests a long time horizon, strong belief in US large-cap growth and tech, and a willingness to ride through ugly drawdowns as long as the upside feels big enough. Income clearly isn’t the priority; the focus is building a larger pile rather than milking it for cash right now. There’s also a hint of “smart beta enthusiast”—someone who likes factors like quality and momentum but isn’t obsessed with textbook diversification. Patience and emotional resilience are basically required equipment for this approach.

Positions

  • Invesco S&P 500® Quality ETF
    SPHQ - US46137V2410
    23.65%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    21.92%
  • Fidelity® MSCI Information Technology Index ETF
    FTEC - US3160928087
    12.62%
  • iShares U.S. Technology ETF
    IYW - US4642877215
    12.55%
  • iShares MSCI USA Quality GARP ETF
    GARP - US46436E4035
    9.98%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FTIHX - US31635V6386
    8.53%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FSMDX - US3161462656
    5.37%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FSSNX - US3161461823
    2.07%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND
    FTBFX - US31617K8817
    2.04%
  • Fidelity Total Market Index Fund
    FSKAX - US3159116934
    1.27%

This thing is basically three ideas in a trench coat: S&P 500 quality, S&P 500 momentum, and “more tech please.” Over half the money is sitting in two factor ETFs (quality and momentum) plus two nearly identical tech ETFs, then a token sprinkle of mid/small cap, international, and a lonely 2% bond slice for decoration. Compared with a vanilla global stock index, this is much spicier and way more concentrated in US large-cap growth. If the goal is long-term growth, fine, but this is not balance. Consolidating overlapping US and tech holdings and bulleting out a clearer core-plus-satellite structure would clean this up fast.

Growth Info

CAGR of 18.26% is “everything bubble deluxe” territory. If $10k went in years ago, it’s now acting like it’s the main character at the party. But remember: that same party included a -31.55% max drawdown, meaning a third of the value briefly evaporated. CAGR (Compound Annual Growth Rate) is like your average speed on a road trip; it hides the near-death skids on black ice. Against broad US equity, this has likely outpaced in the tech-and-factor-fueled bull, but don’t romanticize it. Treat that 18% like a lucky winning streak, not a promise, and stress-test whether you’d actually stomach another -30% hit without panicking.

Projection Info

Monte Carlo here is basically a financial slot machine run 1,000 times: feed in past returns and volatility, shake, and see where the ending balances land. Median result at +622% and a 17.38% annualized simulated return is wild optimism, and the 5th percentile still positive at +69.8% screams “past decade was kind to you.” But Monte Carlo using hot recent data is like forecasting next winter because last one was oddly warm; useful, not prophetic. For a portfolio this growth-heavy, assume a wider range of outcomes than the model suggests and sanity-check your plan against ugly scenarios: years of flat returns, a 50% crash, or tech massively de-rating.

Asset classes Info

  • Stocks
    98%
  • Bonds
    2%
  • Cash
    0%
  • Other
    0%
  • Not Classified
    0%

Asset mix: 98% stocks, 2% bonds, 0% chill. Calling this “Profile_Growth” is generous; it’s basically an equity rocket with a bond keychain. For someone decades away from needing the money, that can be fine, but let’s not pretend this has real downside protection. That 2% bond slice will not rescue anything in a real equity crash; it’s more like emotional support than risk management. Asset classes are your basic levers: stocks for growth, bonds for stability, cash for flexibility. If genuine diversification is the goal, beefing up bonds or other defensives to at least “noticeable” levels would make this behave less like an all-in stock bet.

Sectors Info

  • Technology
    45%
  • Financials
    12%
  • Industrials
    11%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Health Care
    5%
  • Consumer Discretionary
    3%
  • Consumer Discretionary
    2%
  • Utilities
    2%
  • Basic Materials
    2%
  • Energy
    1%
  • Real Estate
    1%

Tech at ~45% is a full-blown addiction, not a tilt. Then financials and industrials trail in like background characters, with everything else picking up crumbs. Compared to a broad US index, this is a tech-and-growth caricature, powered further by momentum and quality screens that tend to overweight the same usual suspects. That’s great when tech is moonwalking, brutal when it’s having an identity crisis. Sector allocation is just “which parts of the economy you’re betting on”; right now you’re saying “please let high-growth US companies never fall out of fashion.” Dialing tech closer to normal and actually letting boring sectors matter would make future returns less dependent on one narrative.

Regions Info

  • North America
    92%
  • Europe Developed
    4%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%
  • Latin America
    0%
  • Australasia
    0%
  • Africa/Middle East
    0%
  • Europe Emerging
    0%

Geography summary: America or bust, with 92% in North America and a timid 8% across the rest of the planet. That 8.5% total international fund is the token “I know diversification matters” gesture, but it’s nowhere near global market reality. A true world allocation would have a much chunkier non-US stake. Geographic diversification helps because different regions mess up at different times; Japan, Europe, and emerging markets don’t always sync with the US. Right now, this setup lives and dies with US policy, US rates, and US corporate darlings. Increasing non-US exposure to something meaningful would reduce the “one-country hero” risk.

Market capitalization Info

  • Large-cap
    37%
  • Mega-cap
    35%
  • Mid-cap
    20%
  • Small-cap
    4%
  • Micro-cap
    1%

Market cap mix is mostly sane: 35% mega, 37% big, 20% mid, and a small sprinkle of small/micro. So at least you didn’t go full meme-stock gremlin. Still, the mid/small exposure is modest and often sneaks in through broad-market funds, not deliberate sizing. In practice, this behaves like a large-cap growth portfolio with a tiny side of “spice.” Market cap is just how big the companies are; big ones are steadier but less explosive, small ones are wilder but sometimes juicier. If the goal is long-term growth with some diversification of style, a slightly higher and more intentional mid/small allocation could smooth out style cycles without turning the whole thing into a rollercoaster.

Redundant positions Info

  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Fidelity Total Market Index Fund
    High correlation
  • Fidelity® MSCI Information Technology Index ETF
    iShares U.S. Technology ETF
    High correlation

Your overlapping funds are basically clones wearing slightly different logos. The Fidelity Total Market and Fidelity Mid Cap index are highly correlated, as are the two tech ETFs, which is the least surprising news ever. Correlation is just “do they move together?”—and yours mostly hold hands. Doubling up on the same risk drivers doesn’t magically create diversification; it just multiplies noise. In a crash, these won’t politely take turns going down. Cleaning house by picking one core US equity fund and one tech-heavy sleeve, instead of multiple flavors of the same thing, would simplify tracking and give each holding an actual job instead of redundant overlap.

Dividends Info

  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.00%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.00%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 4.40%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.60%
  • iShares U.S. Technology ETF 0.10%
  • Invesco S&P 500® Quality ETF 1.00%
  • Invesco S&P 500® Momentum ETF 0.80%
  • iShares MSCI USA Quality GARP ETF 0.30%
  • Weighted yield (per year) 0.90%

Total yield around 0.9% is “growth mindset” all the way. Translation: you’re not here for cash flow, you’re here for vibes and capital gains. That’s consistent with a tech-heavy, momentum-tilted setup, where dividends are about as common as flip phones. Dividends can be nice for stability and income, but they’re not mandatory for a growth strategy. Just don’t pretend this will fund living expenses anytime soon. If future income is important, this structure would need a big makeover toward higher-yielding assets. For now, treat dividends as pocket change and focus on whether you can ride out the volatility that comes with chasing price appreciation.

Ongoing product costs Info

  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 0.45%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • iShares U.S. Technology ETF 0.40%
  • Invesco S&P 500® Quality ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.14%

Total cost of 0.14% is impressively low—you basically managed not to trip over the fee landmines. Even the pricier bits (0.40% tech ETF, 0.45% bond fund) are tolerable in the context of the whole. TER (Total Expense Ratio) is the annual “cover charge” for just existing in a fund. You’ve mostly chosen the cheap doors, so at least the casino isn’t overcharging you while you roll the dice on factor and sector bets. The only real question: do you need so many overlapping vehicles? Slimming the lineup while keeping costs in this range would make the portfolio cleaner without losing the fee advantage you accidentally nailed.

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.

From a risk-return efficiency angle, this is a loud, enthusiastic mess. You’re paying in volatility—see that -31.55% drawdown—for the privilege of being massively overweight US large-cap growth and tech. The efficient frontier is just the “best bang for buck” curve: most return for a given level of risk. Right now, you’re standing off to the side yelling “but I like tech!” without checking if a slightly more diversified setup could deliver similar returns with fewer gut punches. Trimming duplicate funds, upping non-US and non-tech exposure, and giving bonds a real seat at the table would likely move you closer to that efficient sweet spot instead of living at the YOLO end.

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