This portfolio has only about 1.8 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

High growth tech focused portfolio with strong quality tilt and concentrated US large cap exposure

Report created on Mar 18, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is almost entirely in growth-oriented stocks and stock funds, with a big tilt to individual tech and internet names. A handful of large positions – notably a blue-chip growth fund, Amazon, Alphabet, Meta, Apple, and NVIDIA – dominate the overall mix. This creates a focused, high-conviction structure rather than a broad “own everything” setup. That focus can be powerful in strong markets, because winners really drive results, but it also means the ride can be bumpy. Anyone using a structure like this usually wants long-term capital growth and must be comfortable with meaningful short-term swings in account value.

Growth Info

The portfolio’s historical CAGR, or Compound Annual Growth Rate, is 21.8%, which is extremely strong compared with long-run equity benchmarks. CAGR is like your “average speed” over the journey, smoothing out all the ups and downs. The max drawdown of about -29.7% shows the worst peak-to-trough drop, which is sizable but not unusual for a growth-heavy stock allocation. Just 6 days make up 90% of returns, highlighting how a small number of big moves drive long-term results. This pattern means staying invested through volatility has historically mattered far more than timing short-term market swings.

Projection Info

The forward projection uses Monte Carlo simulation, which basically runs 1,000 “what if” futures by remixing historical return patterns in many random ways. It shows a very wide range: in the worst 5% of paths, the portfolio falls around 79%, while the median path grows over 680%, and higher percentiles are even more dramatic. The average simulated annual return north of 30% is eye-catching, but that’s based on a particularly strong historical period and may overstate what’s realistic. Monte Carlo is a helpful planning tool, not a crystal ball. It mainly tells you this is a high-upside, high-downside profile where outcomes can diverge a lot.

Asset classes Info

  • Stocks
    99%
  • Other
    1%

Asset-class-wise, this is essentially all equities: about 99% stocks, 1% “other,” and effectively no bonds or cash. That’s fully in line with a growth-focused profile but well above what many diversified investors hold, especially as they approach major goals like retirement or home purchases. Pure equity allocations can compound very well over decades, but they can also drop severely in bad markets. One general insight: if big market drops would force selling to cover living expenses, mixing in some lower-volatility assets can create a more resilient setup without abandoning growth.

Sectors Info

  • Technology
    53%
  • Telecommunications
    23%
  • Consumer Discretionary
    16%
  • Health Care
    3%
  • Consumer Discretionary
    3%
  • Industrials
    1%
  • Financials
    1%

Sector exposure is heavily skewed: roughly 53% in technology, 23% in communication services, and about 16% in consumer cyclicals, with only tiny slivers elsewhere. This creates substantial concentration in tech and tech-like businesses, which has been a winning area recently. Tech-heavy portfolios often shine when innovation and earnings growth are strong, but they can be hit harder when interest rates rise, regulations tighten, or sentiment turns on high-valuation names. The positive here is clear conviction and alignment with modern growth drivers; the tradeoff is higher sector-specific risk, which some investors balance by adding more defensive or cyclical areas.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

Geographically, the portfolio is almost entirely North America, at about 99%, with only about 1% in developed Europe and essentially nothing elsewhere. This is even more US-centric than many global benchmarks, which usually have noticeable allocations to Europe, Japan, and emerging markets. A home-country bias like this can work very well when the local market outperforms, as US large-cap tech has done. However, it also ties outcomes very tightly to one economy, currency, and regulatory environment. A general principle: adding measured foreign exposure can reduce the impact of any single country’s cycle without diluting a growth focus.

Market capitalization Info

  • Mega-cap
    68%
  • Large-cap
    14%
  • Mid-cap
    13%
  • Small-cap
    3%

By market capitalization, the portfolio leans strongly toward mega and large caps: about 68% mega, 14% big, 13% mid, and only a small slice in small caps. Mega-cap leaders often bring more stable earnings, strong balance sheets, and high quality scores, which can help moderate some volatility even within a growth strategy. At the same time, smaller companies can provide higher potential upside and diversification, since their drivers can differ from the giants. Overall, this structure resembles a high-octane version of a large-cap growth fund: many of the same leaders, plus a few concentrated satellite positions in more speculative names.

True holdings Info

  • Amazon.com Inc
    11.98%
    Part of fund(s):
    • Fidelity Covington Trust
    Direct holding 11.95%
  • Alphabet Inc Class A
    10.08%
    Part of fund(s):
    • Fidelity Covington Trust
    Direct holding 10.05%
  • Apple Inc
    9.69%
    Part of fund(s):
    • Fidelity Covington Trust
    • Vanguard Information Technology Index Fund ETF Shares
    Direct holding 8.35%
  • Meta Platforms Inc.
    8.67%
    Part of fund(s):
    • Fidelity Covington Trust
    Direct holding 8.64%
  • NVIDIA Corporation
    7.67%
    Part of fund(s):
    • Fidelity Covington Trust
    • Vanguard Information Technology Index Fund ETF Shares
    Direct holding 6.14%
  • Snowflake Inc.
    6.00%
  • NVIDIA CORP
    5.39%
    Part of fund(s):
    • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND
    • Fidelity Select Semiconductors Portfolio
    • SOFTWARE AND IT SERVICES PORTFOLIO SOFTWARE AND IT SERVICES PORTFOLIO
    • TECHNOLOGY PORTFOLIO TECHNOLOGY PORTFOLIO
  • Navitas Semiconductor Corp
    3.34%
  • APPLE INC
    2.81%
    Part of fund(s):
    • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND
    • Fidelity Select Semiconductors Portfolio
    • SOFTWARE AND IT SERVICES PORTFOLIO SOFTWARE AND IT SERVICES PORTFOLIO
    • TECHNOLOGY PORTFOLIO TECHNOLOGY PORTFOLIO
  • Microsoft Corporation
    2.65%
    Part of fund(s):
    • Fidelity Covington Trust
    • Vanguard Information Technology Index Fund ETF Shares
    Direct holding 1.76%
  • Top 10 total 68.27%

Looking through the funds and ETFs, the biggest underlying exposures are the same household tech and internet names you hold directly: Amazon, Alphabet, Apple, Meta, NVIDIA, Microsoft, and Snowflake. Apple and NVIDIA, for example, appear both as individual stocks and via multiple funds, creating hidden concentration. Overlap here is likely understated since only ETF top-10s were used, so actual duplication may be greater. This kind of layering can boost conviction in specific companies but reduces diversification. A general takeaway: when the same names show up everywhere, shifting a bit from single stocks into broader funds can spread risk without changing your core growth theme.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 80%
Size
Exposure to smaller companies
Very low
Data availability: 65%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
High
Data availability: 64%
Yield
Preference for dividend-paying stocks
Low
Data availability: 35%
Low Volatility
Preference for stable, lower-risk stocks
Low
Data availability: 71%

Factor exposure shows strong tilts toward quality (72.6%), momentum (50.4%), and a moderate tilt to low volatility (32.4%), with more modest readings for value, size, and yield. Factors are like behavioral “ingredients” that explain why investments act the way they do. A strong quality tilt means companies with solid balance sheets and profitability dominate, which is often a positive sign for resilience. High momentum suggests many holdings have been recent winners, which can help in trending markets but may hurt during sharp reversals. The relatively low value and size exposure indicates this is firmly a growth, large-cap style rather than a bargain or small-cap approach.

Risk contribution Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    Weight: 14.82%
    12.5%
  • Amazon.com Inc
    Weight: 11.95%
    11.1%
  • Navitas Semiconductor Corp
    Weight: 3.34%
    10.2%
  • NVIDIA Corporation
    Weight: 6.14%
    8.3%
  • Meta Platforms Inc.
    Weight: 8.64%
    8.0%
  • Top 5 risk contribution %

Risk contribution reveals an important nuance: Navitas Semiconductor is only 3.34% of the portfolio by weight but contributes over 10% of the total volatility, a risk-to-weight ratio above 3. That’s a classic example of a small, very volatile position dominating the “noise” in account swings. NVIDIA also contributes more risk than its percentage holding, while the flagship blue-chip growth fund actually contributes slightly less risk than its weight. Risk contribution is like figuring out which instruments are loudest in an orchestra. If one or two smaller positions are driving most of the drama, trimming or pairing them with steadier holdings can better align risk with intent.

Redundant positions Info

  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    Vanguard Information Technology Index Fund ETF Shares
    FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND
    Fidelity Covington Trust
    TECHNOLOGY PORTFOLIO TECHNOLOGY PORTFOLIO
    High correlation

Correlation analysis shows that several growth and tech-focused funds – the blue-chip growth fund, large-cap growth index fund, NASDAQ fund, tech sector ETF, and related portfolios – move very closely together. Highly correlated assets rise and fall in tandem, so even if there are many line items, they may act like a single big bet during market stress. That means the apparent diversification across multiple funds doesn’t translate into much protection when growth stocks sell off together. A useful takeaway: holding fewer, broader, low-cost funds that cover similar territory can simplify the portfolio while maintaining exposure and reducing clutter.

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.

In the risk vs. return context, the portfolio clearly sits on the aggressive side, with substantial volatility but strong expected returns. The analysis notes that before optimizing along the efficient frontier, it’s sensible to simplify overlapping, highly correlated positions that add little diversification. The efficient frontier is the curve showing the best return you could get for each risk level using the same ingredients but different weights. If the current allocation is below that curve, reweighting could potentially improve the Sharpe ratio – the return per unit of risk – without changing holdings. Cleaning up duplication first makes any optimization more effective and easier to maintain.

Dividends Info

  • Apple Inc 0.40%
  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 2.00%
  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND 0.50%
  • SOFTWARE AND IT SERVICES PORTFOLIO SOFTWARE AND IT SERVICES PORTFOLIO 17.30%
  • Fidelity Select Semiconductors Portfolio 7.10%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.40%
  • TECHNOLOGY PORTFOLIO TECHNOLOGY PORTFOLIO 9.10%
  • Alphabet Inc Class A 0.30%
  • Meta Platforms Inc. 0.30%
  • Microsoft Corporation 0.90%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Fidelity Covington Trust 0.40%
  • Weighted yield (per year) 1.56%

The total dividend yield around 1.56% is modest, which is common for growth-tilted portfolios where companies reinvest profits instead of paying them out. Some of the funds and sector portfolios show unusually high stated yields, but these can be distorted by special distributions, options strategies, or data quirks, so they shouldn’t be viewed as guaranteed income streams. For an investor focused on long-term growth, lower yield is not inherently negative; the tradeoff is less immediate cash flow in exchange for more emphasis on capital appreciation. Anyone needing regular income would generally pair a setup like this with more stable, higher-yielding assets.

Ongoing product costs Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 0.61%
  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND 0.29%
  • SOFTWARE AND IT SERVICES PORTFOLIO SOFTWARE AND IT SERVICES PORTFOLIO 0.62%
  • Fidelity Select Semiconductors Portfolio 0.62%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • TECHNOLOGY PORTFOLIO TECHNOLOGY PORTFOLIO 0.62%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Fidelity Covington Trust 0.18%
  • Weighted costs total (per year) 0.17%

The overall Total Expense Ratio of about 0.17% is impressively low for an actively tilted, fund-heavy portfolio. That’s mainly driven by low-cost index products like the Vanguard IT ETF and the institutional-class growth index fund, which help offset higher-fee active sector and thematic funds. Costs compound silently over time, so keeping them under control directly supports better long-term outcomes compared with similar strategies that charge more. Here, the structure is well aligned with good practice: thoughtful use of inexpensive core funds to anchor the portfolio, with a few pricier satellites where extra active exposure is desired.

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