Playing it safe or just plain boring? This portfolio can't decide
Report created on Jul 22, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 60.00% -
FZ FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 30.00% -
FC Fidelity Contrafund
FCNTX - US3160711095 10.00%
This portfolio is like ordering vanilla ice cream at a gourmet dessert shop. With 60% in a total market index, 30% international, and a dollop of Contrafund, it's diversification with training wheels. Broadly diversified? Sure, if broadly means playing it safe across the board without venturing into the exciting or the innovative. It's like packing an umbrella, sunscreen, and a snow jacket for a trip to the beach—prepared, but unnecessarily so.
Growth
Historically, this portfolio has been the tortoise in the race, boasting a CAGR of 13.01%. Not bad, but when you consider the roller coaster ride with a max drawdown of -33.85%, it's like enduring a horror movie for a predictable ending. Those 17 days carrying 90% of returns are like finding a few golden nuggets in a mountain of dirt—lucky but not a strategy.
Projection
The Monte Carlo simulation's optimism, with a median 420% growth, feels like a fortune cookie's vague promise of prosperity. It's important to remember that these simulations are educated guesses, not crystal balls. The range from a 50.7% to 636.1% increase is like predicting weather from sunny to apocalyptic—technically correct but hardly actionable. Betting on 985 out of 1,000 simulations to turn positive is like expecting rain in Seattle; likely, but not guaranteed.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and a token 1% in cash, this portfolio is like a diet consisting entirely of meat with a single garnish leaf. It's missing out on the balance that bonds, real estate, or commodities could offer. This over-reliance on stocks is like wearing a swimsuit to a ski resort—bold, but ill-advised for long-term comfort.
Sectors
- Technology 24%
- Financials 18%
- Industrials 10%
- Consumer Discretionary 10%
- Health Care 10%
- Telecommunications 10%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
The sector allocation is like a teenager's playlist: heavy on technology and financial services, with a smattering of everything else just to claim diversity. With 24% in tech, it's riding the Silicon Valley roller coaster—thrilling highs but dizzying drops. This tech addiction could lead to withdrawal symptoms in a market downturn.
Regions
- North America 72%
- Europe Developed 13%
- Japan 5%
- Asia Emerging 4%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this portfolio screams "home country bias" with 72% in North America. It's like traveling abroad but only eating at McDonald's. While the international exposure attempts balance, it's more a nod to diversification than a commitment. Exploring emerging markets or increasing allocations to underrepresented regions could spice things up.
Market capitalization
- Mega-cap 47%
- Large-cap 30%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
The market cap allocation is like a middle-aged person's approach to exercise—mostly walking with a bit of jogging. With 47% in mega and 30% in big caps, it's as if the portfolio is preparing for retirement rather than growth. A sprinkle of small and micro-caps adds flavor but hardly changes the overall blandness.
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.
When it comes to the Efficient Frontier, this portfolio is like someone who insists on driving in the middle lane at all times—safe, but hardly optimizing for speed or efficiency. It's playing it safe to a fault, missing out on potentially higher returns for a slightly increased risk. It's the financial equivalent of never leaving your hometown for fear of missing your favorite TV show.
Dividends
- Fidelity Contrafund 4.40%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.50%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
- Weighted yield (per year) 1.85%
The dividend yield strategy is like finding loose change under the sofa cushions; nice to have but not life-changing. With an overall yield of 1.85%, it's like relying on a slow drip to fill a swimming pool—steady but insufficient for any serious income strategy.
Ongoing product costs
- Fidelity Contrafund 0.63%
- Weighted costs total (per year) 0.06%
The silver lining in this portfolio is the low Total Expense Ratio (TER) of 0.06%, with Contrafund being the only splurge. It's like being frugal with everyday purchases but occasionally treating yourself to a fancy dinner. At least the portfolio's cost-efficiency is commendable, like a well-negotiated bargain.
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