Balanced and broadly diversified portfolio with a strong tilt towards technology and North America

Report created on Aug 17, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is structured around a core of U.S. and international index funds, complemented by specific growth-oriented funds and ETFs. The largest allocation is to the Fidelity Total Market Index Fund, indicating a strong foundation in U.S. equities. The presence of both the Fidelity Extended Market Index Fund and the Vanguard Primecap Fund suggests an emphasis on capturing market-wide growth while seeking outperformance through actively managed strategies. The allocation to international and emerging markets, though less significant, adds a layer of global diversification.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 12.75%, with a maximum drawdown of -29%. This performance is indicative of a balanced risk-return profile, aligning with your risk score of 4 out of 7. The days contributing to 90% of returns being concentrated in a small number of trading days is typical for equity-focused portfolios, emphasizing the importance of staying invested through market cycles for capturing significant growth spurts.

Projection Info

Monte Carlo simulations, which use historical data to project a range of possible future outcomes, suggest a median growth potential of 288.5% over the simulation period. While these projections can offer a glimpse into potential future performance, it's crucial to remember that they are based on past data and cannot predict future market conditions with certainty. The wide range between the 5th and 67th percentiles highlights the inherent uncertainty and risk in investing.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Your portfolio is almost entirely invested in stocks (99%), with a minimal cash holding (1%). This allocation is consistent with a growth-oriented strategy but comes with higher volatility and risk. The lack of investment in bonds or alternative asset classes limits diversification benefits that could potentially reduce portfolio volatility without significantly compromising growth potential.

Sectors Info

  • Technology
    28%
  • Financials
    13%
  • Health Care
    13%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Telecommunications
    8%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%
  • Consumer Discretionary
    1%

The sector allocation reveals a heavy emphasis on technology (28%), followed by financial services and healthcare. This concentration in tech aligns with recent market trends favoring innovation and digital transformation but also exposes the portfolio to sector-specific risks, such as regulatory changes or rapid shifts in consumer preferences. Balancing sector exposure could mitigate these risks while still capturing growth opportunities across the broader economy.

Regions Info

  • North America
    77%
  • Europe Developed
    10%
  • Asia Emerging
    5%
  • Japan
    3%
  • Asia Developed
    3%
  • Latin America
    1%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, your portfolio is heavily weighted towards North America (77%), with modest exposure to developed Europe and emerging Asian markets. This U.S.-centric approach has historically provided strong growth opportunities but may limit exposure to potential gains in other regions. Increasing diversification across more geographic areas could enhance returns and reduce vulnerability to region-specific economic downturns.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    28%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    3%

The market capitalization breakdown shows a preference for mega (38%) and big (28%) cap stocks, which tend to be more stable and less volatile than smaller companies. However, medium (19%), small (10%), and micro (3%) cap stocks, while riskier, offer higher growth potential. Considering a slightly increased allocation to smaller caps could enhance portfolio growth without significantly raising the overall risk profile.

Redundant positions Info

  • VANGUARD PRIMECAP FUND ADMIRAL SHARES
    Fidelity Total Market Index Fund
    High correlation

The high correlation between the Vanguard Primecap Fund and the Fidelity Total Market Index Fund suggests redundancy, as both target similar segments of the market. This overlap does not contribute to diversification and may increase the portfolio's risk without a corresponding increase in expected return. Reevaluating these positions to reduce overlap could improve the portfolio's efficiency by ensuring each investment contributes uniquely to its risk-return profile.

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.

Considering the Efficient Frontier, your portfolio could benefit from optimization to improve the risk-return ratio. Specifically, addressing the highly correlated assets and reassessing the sector and geographic distributions could enhance diversification. This process involves adjusting allocations to achieve the most favorable balance of risk and return, given your investment goals and risk tolerance.

Dividends Info

  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.50%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.30%
  • Invesco NASDAQ 100 ETF 0.50%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES 0.90%
  • VANGUARD INTERNATIONAL GROWTH FUND ADMIRAL SHARES 0.80%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.06%

The overall dividend yield of your portfolio stands at 1.06%, with the highest yields coming from the Fidelity Total International Index Fund and the Vanguard FTSE Emerging Markets Index Fund. While dividends contribute to total returns, the focus on growth over income is evident. For investors seeking a balance between growth and income, considering assets with higher dividend yields or reallocating towards dividend-focused funds could provide a steadier income stream alongside capital appreciation.

Ongoing product costs Info

  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Invesco NASDAQ 100 ETF 0.15%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES 0.29%
  • VANGUARD INTERNATIONAL GROWTH FUND ADMIRAL SHARES 0.25%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.11%

The Total Expense Ratio (TER) of 0.11% is impressively low, especially for a diversified portfolio that includes actively managed funds. This cost efficiency supports better long-term performance by minimizing the drag on returns. Maintaining a focus on keeping costs low while achieving desired diversification and growth objectives is a prudent strategy.

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