Growth-focused portfolio with high tech exposure and strong international diversification

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is structured with a 70% allocation to U.S. and international equity funds and a significant 30% commitment to a technology-focused ETF. This composition underscores a clear growth orientation, leveraging the broad market exposure of the Fidelity 500 Index Fund alongside the global diversification provided by the Fidelity International Index Fund. The substantial investment in the Fidelity® MSCI Information Technology Index ETF indicates a targeted bet on the tech sector's outperformance.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.67% and a maximum drawdown of -32.70%, the portfolio demonstrates robust growth potential tempered by significant volatility. The days contributing 90% of returns highlight the impact of short-term market movements on performance. Comparing these figures to benchmark indices can provide insight into the portfolio's risk-adjusted returns, suggesting a higher risk tolerance due to the tech sector's volatility.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 521.8% in portfolio value, demonstrating the potential for substantial growth. However, the variation between the 5th and 67th percentiles underscores the inherent uncertainty in these projections. It's important to remember that while these simulations can offer valuable insights, they rely on historical data, which may not predict future market conditions accurately.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's 99% allocation to stocks, with a minor 1% in cash, aligns with its growth profile but comes with higher market risk. The lack of bonds or other asset classes typically used for diversification and risk management suggests a strong focus on capital appreciation over income or stability.

Sectors Info

  • Technology
    45%
  • Financials
    13%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

The 45% allocation to technology, combined with significant investments in financial services and industrials, indicates a concentration in sectors that can offer high growth but may also experience above-average volatility. This sectoral focus aligns with the portfolio's growth objectives but increases sensitivity to market swings, particularly in the tech industry.

Regions Info

  • North America
    70%
  • Europe Developed
    20%
  • Japan
    7%
  • Australasia
    2%
  • Asia Developed
    1%

Geographic allocation shows a strong bias towards North America (70%) and developed Europe (20%), with minimal exposure to emerging markets. This distribution supports diversification and access to mature economies but may limit potential gains from faster-growing regions. Balancing developed and emerging market exposure could enhance growth prospects and risk management.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    31%
  • Mid-cap
    13%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's emphasis on mega (50%) and big-cap (31%) stocks suggests a preference for established, large-scale companies, likely to reduce volatility and provide steady growth. However, the modest allocation to medium, small, and micro-caps could be missing out on the higher growth potential often found in smaller companies.

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, the portfolio might not be fully optimized for the best possible risk-return ratio due to its heavy tech and large-cap focus. Adjusting allocations to include assets with different risk-return profiles could potentially move the portfolio closer to the Efficient Frontier, improving overall efficiency without sacrificing growth objectives.

Dividends Info

  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.50%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Fidelity 500 Index Fund 0.90%
  • Weighted yield (per year) 1.23%

The overall dividend yield of 1.23% reflects the portfolio's growth orientation, prioritizing capital appreciation over income generation. While the yield is modest, it can contribute to total returns, especially in volatile or bear markets. Investors might consider whether a higher income component could provide useful cash flow and reduce volatility.

Ongoing product costs Info

  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Fidelity 500 Index Fund 0.02%
  • Weighted costs total (per year) 0.04%

With a total expense ratio (TER) of 0.04%, the portfolio benefits from exceptionally low costs, enhancing long-term return potential. Low costs are crucial for maximizing investment efficiency, particularly in growth-oriented portfolios where compound growth plays a significant role.

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