A low cost stock heavy portfolio tilted to large cap growth with modest global diversification

Report created on Mar 16, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built mainly from three broad index funds, with roughly three quarters in a total domestic stock fund, one fifth in an international stock fund, and a small slice in bonds. That structure closely mirrors a simple, textbook allocation for someone prioritizing growth with a bit of stability. It also lines up reasonably well with common balanced benchmarks that lean heavily on stocks. Keeping things concentrated in a few broad funds makes the setup easy to manage and rebalance over time. To fine tune risk and return, the main levers here are the stock‑to‑bond split and the split between domestic and international stocks, which can be nudged gradually rather than overhauled.

Growth Info

Historically, this mix has been quite strong, with a compound annual growth rate (CAGR) of 13.66%. CAGR is like your portfolio’s average speed over a long road trip, smoothing out the bumps. A 13–14% CAGR would have turned $10,000 into roughly $36,000 over 10 years, though that path included a maximum drawdown of about –34%, meaning a one‑third drop from peak to trough at one point. That level of decline is typical for a stock‑heavy portfolio. Since past returns don’t guarantee future results, it’s better to treat this as a rough weather report: it shows the type of ups and downs this kind of allocation has handled before, not a promise.

Projection Info

The Monte Carlo analysis uses 1,000 simulated paths based on historical behavior to show a range of possible futures. Monte Carlo is basically a “what‑if” machine, randomly re‑mixing returns to estimate many different journeys. The median outcome shows roughly a tripling over the period, while even the 5th percentile still ends with a modest gain around 26%. The annualized return across simulations comes in at 9.49%, lower than the historical CAGR, which is sensible as a more cautious outlook. Because all simulations rely on past patterns, they can’t capture new regimes or shocks. This tool is best viewed as a stress‑testing framework, not a precise forecast.

Asset classes Info

  • Stocks
    95%
  • Bonds
    5%

The asset class mix is 95% stocks and 5% bonds, with no cash allocation. That is firmly in growth territory, and more aggressive than many “balanced” templates that might hold 30–40% bonds. Stocks drive long‑term growth, but they also create deeper swings, which showed up in the –33% drawdown. Bonds, especially broad, investment‑grade bond funds, usually act as a shock absorber by moving less and sometimes even rising when stocks fall. Someone wanting a smoother ride could gradually increase bond exposure over time. On the other hand, if the priority is maximizing long‑term growth and short‑term volatility is acceptable, keeping bonds relatively low can be a deliberate, consistent choice.

Sectors Info

  • Technology
    27%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector exposure is well‑spread, with technology at 27%, followed by meaningful allocations to financials, industrials, consumer cyclical, healthcare, and communication services. This pattern closely resembles broad market benchmarks and signals healthy diversification. The tech tilt is notable, especially paired with those large growth names in the look‑through, which means returns can be more sensitive to interest rate changes and shifts in sentiment toward high‑growth companies. In environments where tech and related areas lead, this kind of profile tends to do well. During periods when investors rotate toward more defensive or slower‑growing areas, it may lag. Keeping this sector balance close to the market is generally a strong, low‑maintenance approach.

Regions Info

  • North America
    76%
  • Europe Developed
    8%
  • No data
    5%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 76% sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and bits of emerging regions. That’s quite similar to global market‑cap weights, just with a mild home‑country tilt toward U.S. stocks, which is very common. This allocation is well‑balanced and aligns closely with global standards, which is helpful for avoiding over‑reliance on any single economy. The modest international slice adds exposure to different growth cycles, currencies, and policy environments. For some, this share of non‑domestic stocks may feel just right; others might prefer slightly more or less foreign exposure, depending on how comfortable they are with overseas markets and currency swings.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    30%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    2%

The market capitalization mix leans heavily toward mega and large companies, which together make up around 70%, with smaller allocations to mid, small, and micro caps. Market cap simply measures company size by stock market value. Large firms tend to be more stable and widely followed, while smaller ones can be more volatile but sometimes offer higher growth potential. This pattern matches standard total market indexes and is a strong indicator of broad diversification. The modest small and micro‑cap exposure adds some growth flavor without dominating the risk profile. Someone wanting an extra tilt toward smaller companies could add to that slice, but it’s not necessary for a well‑rounded core.

True holdings Info

  • NVIDIA CORP
    5.80%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • MICROSOFT CORP
    4.88%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • APPLE INC
    4.48%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • AMAZON.COM INC
    2.86%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • META PLATFORMS INC CL A
    2.18%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • BROADCOM INC
    1.91%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • ALPHABET INC CL A
    1.71%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • ALPHABET INC CL C
    1.38%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • TESLA INC
    1.29%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • BERKSHIRE HATHAWAY INC CL B
    1.27%
    Part of fund(s):
    • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    • Fidelity Total Market Index Fund
  • Top 10 total 27.75%

Looking through to the biggest underlying holdings, the top exposures cluster in mega‑cap growth names like NVIDIA, Microsoft, Apple, Amazon, and Meta. These positions show up via the index funds, not as individual stock picks, but they still drive a meaningful chunk of risk and return. Because the look‑through only covers the top 10 holdings, it actually understates how widely spread the portfolio is across thousands of stocks. Still, it’s useful to remember that market‑cap weighted indexes naturally lean into the largest winners. Someone comfortable with this should keep an eye on how these giants behave during both strong bull markets and sharp pullbacks.

Risk contribution Info

  • Fidelity Total Market Index Fund
    Weight: 75.00%
    82.9%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 20.00%
    17.1%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 5.00%
    0.0%

Risk contribution shows how much each holding adds to total portfolio ups and downs, which isn’t always the same as its weight. Here, the domestic stock fund is 75% of assets but contributes about 83% of risk, while the bond fund, at 5%, adds virtually no risk. This means the real “engine” of volatility is that single total market fund. That’s not a flaw; it simply reflects that stocks are much more volatile than bonds. For someone wanting the portfolio’s behavior to line up more evenly with target allocations, nudging up bond exposure or slightly shifting between domestic and international stocks can bring risk contribution closer to the desired balance.

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 a risk‑return chart called the Efficient Frontier, this portfolio would sit toward the higher‑risk, higher‑return side because of its 95% stock allocation. The Efficient Frontier is just the set of mixes that offer the best expected return for each level of risk, using only the current ingredients. “Efficient” here doesn’t mean safest; it means the best trade‑off between risk and reward for these three funds. Slightly raising the bond share could move the portfolio closer to the frontier for a moderate‑risk target by trimming volatility more than it trims expected return. Any changes would simply juggle weights between the existing funds, not require adding new products.

Dividends Info

  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.70%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.40%
  • Weighted yield (per year) 1.46%

The overall yield of about 1.46% comes from a mix of modest stock dividends and higher bond interest. Dividend yield is the annual income as a percentage of the portfolio value, a bit like rent on a property. For a growth‑oriented allocation, this level is typical and suggests the primary driver is capital appreciation rather than income. The international stock fund and bond fund contribute meaningfully to the yield, while the domestic total market fund stays on the lower side. For someone not relying on current income, reinvesting these payouts can quietly accelerate compounding. If income becomes more important later, slightly increasing bond or higher‑yield stock exposure could gently raise the cash flow.

Ongoing product costs Info

  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • Weighted costs total (per year) 0.03%

Costs are impressively low, with a total expense ratio (TER) of around 0.03%. TER is the annual fee taken by the funds, like a small toll for using the investment highway. This level is well below the average for actively managed funds and even beats many low‑cost index options, which is a big plus for long‑term results. Lower costs mean more of the portfolio’s return stays in your account instead of going to fees. Staying in broad, low‑cost index funds is one of the most reliable ways to improve long‑term performance without increasing risk. The fee structure here is a real strength and worth maintaining.

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