Stock heavy global portfolio with strong US core and efficient risk profile
Report created on May 8, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 67.00% -
FS FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSPSX - US3159117270 20.00% -
FS Fidelity Select Semiconductors Portfolio
FSELX - US3163908631 5.00% -
FS FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSMAX - US3159117437 5.00% -
FP FIDELITY EMERGING MARKETS INDEX FUND INSTITUTIONAL PREMIUM CLASS
FPADX - US3161463316 3.00%
This portfolio is a compact, stock‑only mix built from five Fidelity mutual funds. Around two‑thirds sits in a US large‑cap index fund, forming a dominant core of well‑known American companies. The rest is split across developed international markets, a slice of mid/small caps, a focused semiconductor fund, and a small emerging markets fund. This simple structure is easy to understand because each holding has a clear role: broad US, rest‑of‑world, smaller companies, and a targeted growth theme. A concentrated but purposeful design like this can make it straightforward to track what’s driving returns and volatility, while still offering more than just a single‑fund approach.
Growth
From 2016 to 2026, a hypothetical $1,000 in this portfolio grew to about $4,490, which is a 16.28% compound annual growth rate (CAGR). CAGR is like your average speed on a long road trip, smoothing the ups and downs along the way. Over the same period, the US market returned 15.14% and the global market 12.54%, so this mix outpaced both. The worst drop, or max drawdown, was about -34%, very similar to the benchmarks during early 2020, and it recovered in roughly five months. The performance profile shows strong long‑term growth with equity‑like drawdowns in line with broad markets.
Projection
The Monte Carlo projection uses thousands of simulations based on historical risk and return patterns to estimate a range of future outcomes. Think of it as running the next 15 years over and over with different “weather patterns” for markets. Here, the median path turns $1,000 into about $2,728, with a wide but reasonable range from roughly $1,743 to $4,126 in the middle half of outcomes. The average simulated annual return is 8.08%, with about a 73% chance of ending positive. These figures highlight both the growth potential and the uncertainty: results can vary a lot, and past behavior is only a guide, not a promise.
Asset classes
- Stocks 100%
All investments here are in stocks, with 0% in bonds or cash. That means the portfolio is positioned entirely for growth rather than income or capital stability. Equities historically have offered higher long‑term returns than safer assets, but they also experience larger swings in value. With no bond buffer, any market downturn flows straight through to the account value, as seen in the roughly one‑third drawdown in 2020. The 100% stock stance aligns with the “Growth” risk label and helps explain both the strong historical performance and the higher volatility compared with mixed stock‑bond portfolios.
Sectors
- Technology 31%
- Financials 14%
- Industrials 11%
- Health Care 9%
- Consumer Discretionary 9%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
Sector exposure is broad but clearly tilted. Technology stands out at about 31% of the portfolio, helped by the dedicated semiconductor fund, while financials, industrials, health care, and consumer areas are each in the high single or low double digits. More defensive sectors like utilities, consumer staples, and real estate together form a relatively small slice. This kind of tech‑leaning mix can benefit when innovation‑driven companies are leading, but it may feel bumpier during periods of rising interest rates or when investors rotate toward more defensive or value‑oriented areas. Overall, the spread across sectors still looks fairly balanced against broad equity benchmarks.
Regions
- North America 76%
- Europe Developed 14%
- Japan 5%
- Asia Developed 2%
- Asia Emerging 1%
- Australasia 1%
Geographically, about 76% of the portfolio is in North America, with most of that likely in the US, and the rest spread across developed Europe, Japan, other developed Asia, and a small stake in emerging markets. This creates a clear home‑country tilt toward the US compared with a typical global index, where non‑US markets make up a larger share. A strong US core has historically been rewarding over the last decade, and this allocation aligns well with that trend. At the same time, the holdings outside North America add some currency and economic diversification, so the portfolio is not entirely tied to a single region’s fortunes.
Market capitalization
- Mega-cap 45%
- Large-cap 34%
- Mid-cap 17%
- Small-cap 3%
- Micro-cap 1%
By market cap, this portfolio leans heavily toward larger companies: roughly 45% in mega caps and 34% in large caps, with the remaining slice in mid, small, and micro caps. Larger firms tend to be more established and often less volatile than very small companies, which can reduce some of the extreme swings associated with pure small‑cap investing. The 17% mid‑cap and 4% small/micro‑cap exposure still introduces some additional growth and diversification potential, since smaller businesses can behave differently across cycles. Overall, the size mix looks broadly aligned with a global equity index, skewing toward big names while keeping some exposure further down the size spectrum.
Factors
Factor exposure across value, size, momentum, quality, and low volatility is broadly neutral, which means the portfolio behaves a lot like the overall market on these dimensions. Factor exposure is basically how much the portfolio leans into characteristics like cheapness (value) or stability (low volatility) that research links to returns. A neutral profile suggests there’s no strong tilt that could dramatically help or hurt versus the market in specific environments. The notable exception is yield, which is low at 29%. That indicates a preference for companies that reinvest profits or focus on growth rather than paying high dividends, consistent with a growth‑oriented stock mix.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 67.00% 67.2% -
FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 20.00% 16.4% -
Fidelity Select Semiconductors Portfolio
Weight: 5.00% 8.3% -
FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 5.00% 5.8% -
FIDELITY EMERGING MARKETS INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 3.00% 2.4%
Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its simple weight. Here, the S&P 500 index fund is 67% of the portfolio and contributes about 67% of total risk, so its impact is very proportional. The international index fund is 20% of assets but only 16% of risk, reflecting some diversification benefits. The standout is the semiconductor fund: at just 5% weight, it contributes over 8% of risk, with a risk/weight ratio of 1.65. That highlights how a small, more volatile position can punch above its weight in driving the portfolio’s day‑to‑day swings.
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‑return chart shows the current portfolio with a Sharpe ratio of 0.65, sitting right on or very close to the efficient frontier. The Sharpe ratio compares excess return to volatility, like asking how much “extra” return you get per unit of bumpiness. There is an “optimal” mix of the same holdings with a higher Sharpe, but it also carries much higher risk and return, while the minimum‑variance portfolio has similar risk‑adjusted efficiency at a slightly lower return. Being near the frontier means that, for this level of risk and these specific funds, the allocation is already using them in a mathematically efficient way.
Dividends
- FIDELITY EMERGING MARKETS INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.90%
- Fidelity Select Semiconductors Portfolio 10.80%
- FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.50%
- FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.90%
- Fidelity 500 Index Fund 1.10%
- Weighted yield (per year) 1.94%
The total portfolio dividend yield is about 1.94%, which is modest and in line with a growth‑tilted equity mix. Yield is the annual income from dividends as a percentage of the portfolio’s value. Most of the holdings have relatively low to moderate yields, with the international and emerging markets funds slightly higher. The semiconductor fund shows a very high yield number, which may reflect a special distribution or short‑term effect rather than a stable ongoing income stream. Overall, the picture here is that returns have mainly come from price growth rather than dividends, which matches the factor and sector tilts toward growthier companies.
Ongoing product costs
- FIDELITY EMERGING MARKETS INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.08%
- Fidelity Select Semiconductors Portfolio 0.60%
- FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
- FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
- Fidelity 500 Index Fund 0.02%
- Weighted costs total (per year) 0.06%
The weighted total expense ratio (TER) is only about 0.06%, which is impressively low for an actively chosen multi‑fund lineup. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly eats into returns over time. Here, the core index funds are extremely cheap, and even the specialized semiconductor fund, at 0.60%, is kept to a small allocation, so its higher fee barely moves the overall average. Keeping costs this low supports better long‑term performance, because more of any market return stays in the portfolio instead of going to fees each year.
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