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A love letter to Fidelity funds with a side of international intrigue and bond confusion

Report created on Aug 2, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Packing 40% into a Fidelity 500 Index Fund is like betting half your salary on the office's safest bet; boring but smart. However, splashing 20% on an International Index and another 5% on Total International Equity is like wearing two belts, just in case one fails. The Extended Market and Blue Chip Growth Funds seem like afterthoughts, like buying a lottery ticket because, why not? And let's not forget the 15% in U.S. Bonds, the financial equivalent of keeping money under the mattress for "safety."

Growth Info

With a CAGR of 10.19%, this portfolio is the Honda Civic of investments: reliable, not flashy, but gets you where you need to go. However, that -30.48% max drawdown is a stark reminder that even Civics can crash if driven recklessly. Those 27 days making up 90% of your returns? That's like winning the race because you only turned up to the track on the days everyone else was hungover.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 scenarios, suggests this portfolio could grow by as much as 231% or as little as 7.2% at the median. This range is like predicting weather in England; it could be a lovely day or you might end up drenched. It's a reminder that investing, much like British weather, is predictably unpredictable.

Asset classes Info

  • Stocks
    84%
  • Bonds
    15%
  • Cash
    1%

Diving 84% into stocks with a timid toe-dip into bonds (15%) and a whisper of cash (1%) is like going to a buffet and filling your plate with just meat and potatoes. Sure, it's hearty, but where are the greens? Or the spicy curry for some excitement? A dash more in bonds or alternative assets might not kill the thrill but could save you from indigestion.

Sectors Info

  • Technology
    20%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Real Estate
    2%
  • Utilities
    2%

Heavy on tech and financial services, eh? Riding the Silicon Valley rollercoaster while banking on the banks. It's like favoring steak and wine every night; luxurious, but a balanced diet it is not. Diversification doesn't mean just picking different flavors of the same food group. Maybe throw in some veggies—err, utilities, or consumer defensive stocks—to balance out those tech-induced heart palpitations.

Regions Info

  • North America
    61%
  • Europe Developed
    15%
  • No data
    15%
  • Japan
    5%
  • Australasia
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%

With 61% in North America and a scattergun approach to the rest of the world, this portfolio is like declaring, "I love travel!" but only ever visiting Canada. Europe, Japan, Australasia, and the token 1% in emerging markets—it's the geographical equivalent of saying, "I have international friends," because you once met someone from France at a bar.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    23%
  • Mid-cap
    15%
  • Small-cap
    7%
  • Micro-cap
    3%

A tilt towards mega and big caps with a sprinkle of everything else is like having a music playlist that's 90% pop hits with a few indie tracks to seem eclectic. It's safe, but where's the adventure? Diversifying across market caps can unearth hidden gems, not just the Top 40 everyone's tired of.

Redundant positions Info

  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FIDELITY TOTAL INTERNATIONAL EQUITY FUND FIDELITY TOTAL INTERNATIONAL EQUITY FUND
    High correlation

Having both the Fidelity International Index Fund and the Total International Equity Fund is like owning two different brands of the same color of paint. Sure, one might argue there's a shade difference, but they're covering the same wall. This redundancy doesn't add value; it just clutters your investment portfolio with unnecessary complexity.

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.

Before trying to optimize this mixed bag, addressing the elephant in the room—those overlapping international funds—would be wise. It's like decluttering your house; get rid of the duplicates first, then see what you actually need to make the place shine.

Dividends Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 5.60%
  • FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.50%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.50%
  • FIDELITY TOTAL INTERNATIONAL EQUITY FUND FIDELITY TOTAL INTERNATIONAL EQUITY FUND 1.30%
  • Fidelity 500 Index Fund 0.90%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.90%
  • Weighted yield (per year) 1.72%

A total yield of 1.72% is like finding loose change under your sofa cushions; nice to have, but you're not funding a vacation with it. The Blue Chip Growth Fund is doing some heavy lifting with its 5.60% yield, but let's be honest, that's like relying on a windfall from a rich uncle instead of earning your keep.

Ongoing product costs Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 0.47%
  • FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • FIDELITY TOTAL INTERNATIONAL EQUITY FUND FIDELITY TOTAL INTERNATIONAL EQUITY FUND 0.95%
  • Fidelity 500 Index Fund 0.02%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • Weighted costs total (per year) 0.10%

With total TER at 0.10%, at least you're not bleeding money on fees, which is akin to finding a no-booking-fee concert ticket; rare and pleasantly surprising. It's a small win in a portfolio that feels like it's trying to cover all bases without really playing the game.

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