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A love letter to large caps with a side of international flavor

Report created on Jul 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Diving into this portfolio is like walking into a buffet where 80% of the table is dedicated to just two types of dishes, both from the same cuisine. With 40% in the FIDELITY ZERO LARGE CAP INDEX FUND and another 40% in the Schwab U.S. Large-Cap Growth ETF, it's clear someone has a favorite food. The attempt at diversification with a mere 10% in international markets and another 10% in a total market index is like adding a sprinkle of parsley on a steak and calling it a balanced meal. It's time to rethink the menu.

Growth Info

Historically, this portfolio has ridden the large-cap rollercoaster to a commendable CAGR of 16.20%, but let's not forget the stomach-churning 33.17% max drawdown. It's the financial equivalent of having a great day at the amusement park but remembering only the ride that made you sick. This performance is akin to betting big on black at the roulette table and walking away while you're ahead. Sure, it worked in the past, but can your heart handle that kind of suspense again?

Projection Info

The Monte Carlo simulation, with its fancy name and 1,000 different scenarios, suggests a wide range of outcomes, from a modest 61.9% to an eye-watering 486.1% at the median level. It's like predicting the weather in an alternate universe. While the simulation shows mostly sunny skies, remember, it's essentially educated guesswork based on past storms and sunshine. Banking on this for a sunny retirement might leave you caught in the rain without an umbrella.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of your assets in equities, your portfolio is like a diet consisting entirely of red meat – thrilling but potentially hazardous. The absence of bonds, real estate, or even a hint of cash is like refusing to eat vegetables because they're not exciting enough. While it's great to be confident, a bit of humility in the form of diversification could save you from a financial heart attack.

Sectors Info

  • Technology
    36%
  • Financials
    12%
  • Telecommunications
    11%
  • Health Care
    10%
  • Industrials
    7%
  • Consumer Discretionary
    6%
  • Consumer Discretionary
    5%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation reads like a tech enthusiast's dream shopping list, with a 36% allocation that screams "I believe in the future!" It's complemented by a smattering of financial services, communication, and healthcare, making it clear that you're banking on innovation and forgetting that other sectors exist. Remember, even in a digital world, people still need basics like utilities and consumer staples – don't ignore them.

Regions Info

  • North America
    91%
  • Europe Developed
    4%
  • Japan
    2%
  • Asia Emerging
    1%
  • Asia Developed
    1%

With 91% of your portfolio screaming 'Murica, it's clear where your allegiances lie. The token 10% international exposure is like saying you're worldly because you once ate sushi. In a global economy, ignoring emerging markets and other developed regions is like wearing blinders at an international parade. Expand your horizons; the world is bigger than the NASDAQ and S&P 500.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    29%
  • Mid-cap
    16%
  • Small-cap
    1%

Your portfolio's love affair with mega and big caps, making up a whopping 82% of your allocation, is like only dating models; it's glamorous but risky. The small 1% flirtation with small caps is hardly a diversification strategy. It's time to consider other market caps as viable partners. Remember, sometimes the most reliable relationships are with those who aren't on magazine covers.

Redundant positions Info

  • FIDELITY ZERO TOTAL MARKET INDEX FUND
    FIDELITY ZERO LARGE CAP INDEX FUND
    High correlation

The budding romance between the FIDELITY ZERO TOTAL MARKET INDEX FUND and the FIDELITY ZERO LARGE CAP INDEX FUND is a classic tale of overlap, with both funds essentially winking at the same stocks. It's like buying two different brands of the same snack. If you're looking for diversification, this isn't it. Consider breaking up one of these relationships to see other funds.

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.

Your portfolio's risk-return profile is like a high-wire act without a safety net. The concentration in large-cap and growth stocks, combined with a lack of diversification across asset classes and geographies, is a recipe for volatility. It's time to consider a more balanced approach. Think of it as adding a variety of acts to your financial circus to keep the crowd entertained, even if one performer misses a step.

Dividends Info

  • FIDELITY ZERO LARGE CAP INDEX FUND 1.00%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.50%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 0.92%

Your portfolio's dividend yield is like finding loose change in the couch – it's nice, but you won't get rich off it. With an overall yield of just 0.92%, you're clearly not in it for the income. However, don't dismiss dividends as mere pocket change; over time, they can add up to a significant sum. It might be worth looking into options that offer a bit more in the way of payouts.

Ongoing product costs Info

  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.02%

At least you're frugal, with a total expense ratio (TER) of just 0.02%. It's like finding a luxury car with the fuel efficiency of a scooter. In a world where fees can eat into returns like termites in a wooden house, you've managed to keep the pests at bay. Well done on that front, but remember, even the most economical portfolio needs a solid foundation to stand on.

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