Broad low-cost stock index mix with strong US tilt and efficient risk return balance
Report created on May 12, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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FN FIDELITY ZERO LARGE CAP INDEX FUND
FNILX - US3159116280 50.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00%
This portfolio is very simple: three stock funds, all tracking broad indexes. Half is in a US large-cap index fund, a quarter in a total US stock market ETF, and a quarter in a total international stock ETF. So it’s 100% in equities with no bonds or cash included in the mix. That creates a straightforward structure that’s easy to understand and track over time. A concentrated lineup like this means every holding is meaningful for risk and return. The simplicity also helps keep behavior transparent: when global stocks move, this portfolio is likely to move in the same general direction, without side bets in niche strategies.
Growth
From late 2018 to May 2026, $1,000 in this portfolio grew to about $2,615, a compound annual growth rate (CAGR) of 13.49%. CAGR is like your average speed on a road trip, smoothing out all the bumps along the way. The deepest drop, or max drawdown, was about -34% during early 2020, similar to major indexes. Compared with the US market, the portfolio slightly lagged by 1.19% per year, but it outpaced the global market by 1.43% per year. That mix of small US underperformance but global outperformance matches its heavy US tilt and partial international diversification.
Projection
The Monte Carlo projection looks at many possible futures by “replaying” return and volatility patterns from history in thousands of random paths. It doesn’t try to predict any specific year; instead it shows a range of plausible outcomes. Over 15 years, the simulations suggest a median outcome of about $2,818 from $1,000, with a wide range from roughly $1,006 to $8,008 between the 5th and 95th percentiles. That spread illustrates how uncertain equity returns can be. The average simulated annual return of 8.38% is lower than the recent historical CAGR, reminding that past strong years don’t guarantee similar future growth, especially for an all-stock portfolio.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, cash, or alternatives. Asset classes are broad buckets like equities, fixed income, and real assets that tend to behave differently in various market conditions. A 100% equity allocation leans fully into growth potential but also accepts full stock-market-style swings, including sharp drawdowns. There is no dedicated buffer from traditionally steadier assets like high-quality bonds. This kind of structure keeps things simple and fully invested in growth engines, but it also means portfolio value is tightly tied to global equity cycles without a built-in shock absorber.
Sectors
- Technology 28%
- Financials 15%
- Industrials 11%
- Health Care 9%
- Telecommunications 9%
- Consumer Staples 5%
- Consumer Discretionary 5%
- Consumer Discretionary 5%
- Energy 4%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector-wise, technology is the largest slice at 28%, with financials, industrials, and health care also meaningfully represented. Smaller but still present allocations span telecoms, staples, discretionary, energy, materials, utilities, and real estate. This spread looks broadly similar to major global benchmarks, which is a positive sign for diversification. Having tech as the single largest sector is common in modern indexes, but it also means results can be more sensitive to the fortunes of tech-linked earnings and interest-rate expectations. Balanced exposure across cyclical and defensive areas helps moderate the impact of any one sector’s cycle.
Regions
- North America 77%
- Europe Developed 9%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 77% of the equity exposure is in North America, mainly the US, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller allocations to Australasia, Latin America, and Africa/Middle East. This is a clear US tilt relative to the global market, where the US is a bit over half of total value. That tilt has historically boosted returns in recent years as US stocks outperformed many regions. At the same time, the meaningful but smaller non-US exposure adds some diversification, bringing in different currencies, economic cycles, and policy environments.
Market capitalization
- Mega-cap 44%
- Large-cap 33%
- Mid-cap 18%
- Small-cap 3%
- Micro-cap 1%
By company size, the portfolio leans heavily toward larger firms: about 44% in mega-caps, 33% in large-caps, 18% in mid-caps, and a small slice in small and micro-caps. Market capitalization describes the total value of a company’s shares, and size can affect volatility and growth patterns. This profile looks similar to mainstream broad index funds, where large and mega companies dominate. The modest allocation to smaller companies still adds some exposure to more volatile but potentially faster-growing names, while the core remains anchored in big, established businesses that tend to drive overall index performance.
True holdings
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NV NVIDIA Corporation 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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AA Apple Inc 1.48%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.09%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
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AM Amazon.com Inc 0.80%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.67%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.58%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.53%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.50%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.42%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 8.52%
Looking through to the top underlying holdings, familiar global giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla show up. These appear via multiple index funds, which creates some overlap: the same company can be held in more than one fund at once. Because only ETF top-10 holdings are captured, this overlap is likely understated. Hidden concentration like this means the portfolio’s fortunes can be more tied to a small group of very large companies than the number of funds suggests. That’s common in cap-weighted index strategies but still important to recognize.
Factors
Factor exposure is very balanced here, with all six measured factors — value, size, momentum, quality, yield, and low volatility — sitting near neutral levels. Factors are like underlying “personality traits” of investments that research has linked to returns over long periods. A neutral profile means the portfolio behaves much like a broad market index, without strong tilts toward cheap stocks, small caps, recent winners, or high-dividend names. This alignment with market averages is consistent with the use of broad index funds. It suggests performance will mostly track overall market moves rather than factor-driven surprises.
Risk contribution
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FIDELITY ZERO LARGE CAP INDEX FUND
Weight: 50.00% 52.0% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 25.00% 26.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.9%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs. Even though the Fidelity large-cap fund is 50% of the portfolio, it contributes about 52% of total risk, very close to its weight. The US total market ETF is similar, at 25% weight and about 26% risk contribution. The international ETF contributes slightly less risk than its weight, at about 22% risk vs 25% allocation. This alignment indicates risk is spread proportionally across the three holdings, without a small position secretly dominating volatility, which often happens when a single volatile asset is present.
Redundant positions
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High correlationVanguard Total Stock Market Index Fund ETF SharesFIDELITY ZERO LARGE CAP INDEX FUND
The correlation data highlights that the Fidelity large-cap fund and the Vanguard total US stock ETF move almost identically. Correlation measures how assets move together; a value near 1 means they tend to go up and down in sync. That’s expected because both track broad US equities, with a strong overlap in underlying companies. High correlation reduces the diversification benefit between those two funds — they essentially act as a combined US equity block. The main diversification here, from a correlation standpoint, comes from the international fund, which can behave somewhat differently than US stocks in certain periods.
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.
On the risk vs. return chart, the current portfolio sits right on or very close to the efficient frontier. The efficient frontier is the curve showing the best possible return for each level of risk using only these holdings. The current Sharpe ratio — a measure of return per unit of risk, adjusted for a 4% risk-free rate — is 0.55. The optimal mix on the frontier has a higher Sharpe of 0.75, with slightly higher return and risk. The minimum-variance mix has lower risk but also lower return. Being near the frontier means the current weighting uses these three funds efficiently.
Dividends
- FIDELITY ZERO LARGE CAP INDEX FUND 0.90%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.38%
The portfolio’s overall dividend yield is about 1.38%, blending lower yields from the US funds with a higher yield from the international ETF. Dividend yield is the annual cash payout as a percentage of price, like rental income from owning a property. This level is modest, but normal for a growth-tilted equity mix in recent years, when many companies have emphasized buybacks or reinvestment instead of high cash payouts. Here, dividends contribute a smaller portion of total return, with most of the growth historically coming from price appreciation. That’s typical for broad index-based stock portfolios today.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.02%
Total ongoing fund costs are very low, with an estimated overall expense ratio of around 0.02%. That’s driven by the ultra-low fees of the Vanguard ETFs (0.03% and 0.05%) and the zero-fee structure of the Fidelity fund. The Total Expense Ratio (TER) is like a small annual “membership fee” charged by the funds, quietly deducted from returns. Costs at this level are impressively low and compare favorably with typical active or even many passive funds. Over long periods, keeping fees minimal leaves more of the portfolio’s gross returns in the investor’s pocket, supporting better compounding.
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