Cash hoarder with a tiny energy side quest pretending to be a full investment strategy
Report created on Mar 29, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
What type of investor this portfolio is suitable for
Cautious Investors
This setup screams “I hate losing money more than I like making it.” It suits someone cautious, patient, and maybe a little scarred by past market drama, who wants most of their money parked somewhere that barely flinches. Goals are probably capital preservation first, mild growth second, with a time horizon that’s long enough to care about inflation but not long enough to tolerate big drawdowns. The tiny energy tilt suggests a controlled curiosity about risk, but with strict boundaries. This fits a personality that wants to sleep through every market headline and is okay with sacrificing upside for peace of mind.
Positions
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SP Fidelity® Government Money Market Fund
SPAXX - US31617H1023 96.00% -
FE Fidelity® MSCI Energy Index ETF
FENY - US3160924029 4.00%
Structurally this “portfolio” is basically a glorified savings account with a 4% energy cosplay tacked on. Ninety‑six percent in a government money market fund means the main plan is “don’t lose anything ever,” and the 4% energy ETF is the equivalent of putting hot sauce on plain rice and calling it fusion cuisine. The structure is simple to the point of being one‑dimensional. Simplicity is fine, but this is more “parked cash” than “thought‑through allocation.” As a general insight, if one small spicy position is supposed to carry all the growth dreams, the plan might need more than one ingredient.
Growth
The numbers look ridiculous: $1,000 turning into $1,034 in about seven months, a 64.15% annualized return, and a max drawdown of basically zero at -0.10%. That crushes both the US market and global market over this tiny window. But here’s the catch: this period is shorter than some promo credit card offers. CAGR (Compound Annual Growth Rate) here is like clocking your speed during a downhill sprint and assuming you can keep it up for a marathon. Past data over seven months is more weather report than climate trend, so none of this should be mistaken for proof that this setup is a long‑term money‑printing machine.
Asset classes
- No data 96%
- Stocks 4%
On the asset‑class breakdown, 96% is “No data,” which is the system’s polite way of saying, “Yeah, we see something cash‑ish here but we’re not labeling it.” The remaining 4% is in stocks via the energy ETF, which is doing all the actual investing while the rest just stretches on the bench. In a balanced setup, you’d usually see a mix of growth‑oriented stuff and stabilizers; here the stabilizer ate the entire roster. If the goal is truly capital preservation with a tiny growth kicker, this lines up. If the goal is real long‑term growth, this is underpowered.
Sectors
- Energy 4%
Sector exposure is hilariously simple: 4% energy, 96% vibes. The equity slice is entirely in one sector, which is like deciding to get “diversified” at a restaurant by ordering only from the deep‑fried section. Energy can be extremely cyclical, and its fortunes are tied to things like commodity prices and macro shocks. There’s nothing wrong with having a tilt, but when your only equity bet is one sector, you’re trading broad growth potential for a single storyline. The upside is that at 4% of the portfolio, even a drama‑level energy crash only dents the overall picture.
Regions
- North America 4%
Geographically, the data shows 4% in North America and 96% in the black box labeled “we’re not calling this an equity region.” So the investable part is home‑biased, and everything else is effectively parked. This isn’t “global allocation,” it’s more like “tiny local satellite orbiting Planet Cash.” A more rounded geographic split usually spreads political, currency, and economic risk; here, that’s not really happening because actual risk capital is tiny. The good news: with this level of real exposure, geographic risk is almost a rounding error. The bad news: so is global growth opportunity.
Market capitalization
- Mid-cap 2%
- Large-cap 1%
- Mega-cap 1%
The equity chunk leans across mid, large, and mega‑cap companies, but at 4% overall, this is like three giants squeezed into the nosebleed seats. Normally, a market‑cap breakdown helps show whether someone’s chasing nimble small caps or hugging big established names. Here, the money market behemoth makes the whole cap structure mostly theoretical. The “size” story is basically, “Yes, you technically own some big companies, but not enough for their size to matter.” If the idea was to avoid small‑cap drama, mission accomplished — but at the cost of any meaningful equity participation.
True holdings
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XO Exxon Mobil Corp 0.88%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
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CV Chevron Corp 0.60%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
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CO ConocoPhillips 0.25%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
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WM Williams Companies Inc 0.14%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
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EO EOG Resources Inc 0.12%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
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SL Schlumberger NV 0.12%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
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VL Valero Energy Corporation 0.12%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
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MP Marathon Petroleum Corp 0.11%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
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PS Phillips 66 0.11%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
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KM Kinder Morgan Inc 0.10%
Part of fund(s):- Fidelity® MSCI Energy Index ETF
- Top 10 total 2.55%
Looking under the hood of the energy ETF, the “big” exposures are the usual suspects: Exxon, Chevron, ConocoPhillips and friends, all in microscopic doses because the ETF itself is only 4% of the portfolio. The overlap risk is technically there, but when Exxon is 0.88% of the portfolio, it’s not exactly a hidden empire. What this really shows is how toothless equity exposure becomes when buried under a mountain of cash‑like holdings. Overlap analysis usually uncovers secret concentration; here, it mostly reveals how overwhelmingly the safety blanket dominates everything else.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor‑wise, the portfolio is screaming one thing: Low Volatility. A 100% tilt toward low vol is like bubble‑wrapping your entire financial life. Size is effectively zero, meaning almost no intentional exposure to smaller, more volatile names. Yield sits low too, so this isn’t even a dedicated income play; it’s just safety first, second, and third. Factors are the hidden ingredients behind performance — value, size, momentum, quality, low vol, yield. Here, the recipe is “don’t move much.” That can help in rough markets, but it also means long‑term growth may lag punchier setups, especially if the cautious stance never evolves.
Risk contribution
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Fidelity® Government Money Market Fund
Weight: 96.00% 61.4% -
Fidelity® MSCI Energy Index ETF
Weight: 4.00% 38.6%
Risk contribution tells you which positions are actually rocking the boat, not just sitting there. The money market fund is 96% of the weight but only 61% of the risk — the quiet giant. The 4% energy ETF contributes nearly 39% of total risk, over nine times its weight on a per‑unit basis. That’s the loud toddler in the restaurant: small, but you notice it. If the idea is a cautious profile, it’s working overall, but this one small holding is where almost all the emotional rollercoaster lives. Trimming or growing it is essentially a direct dial on portfolio stress.
Redundant positions
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High correlationFidelity® MSCI Energy Index ETFFidelity® Government Money Market Fund
The system reports the money market fund and the energy ETF as “almost identical” in correlation, which is a nice reminder that statistics sometimes lose the plot on short data sets. Correlation is just a measure of how often things move together, like checking if two friends always show up at the same parties. With only seven months of history, and one asset barely moving, the math can spit out misleadingly high numbers. In reality, a cash‑like fund and an energy equity ETF are very different beasts in a real crash. Don’t let this tidy correlation line fool you into thinking they behave the same.
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–return chart, the portfolio sits right on or near the efficient frontier, which is finance‑speak for “given these two holdings, you’re not wasting risk.” The Sharpe ratio — return per unit of volatility — is a burly 4.45, with an even higher 5.65 available if you crank risk way up. The minimum‑variance option is calmer but less rewarding. The catch: all of this is based on a very short, slightly ridiculous return history, so the math is flattering you more than it should. Still, for this tiny two‑asset mix and this cautious risk level, the allocation is surprisingly tidy.
Dividends
- Fidelity® MSCI Energy Index ETF 2.30%
- Fidelity® Government Money Market Fund 1.80%
- Weighted yield (per year) 1.82%
Dividend yield clocks in around 1.82% overall — the money market at 1.80% and the energy ETF at 2.30%. That’s more “mild drizzle” than “income storm.” For a stability‑heavy setup, it’s not shocking that yields aren’t massive; you’re prioritizing safety over juicy payouts. Dividends can be nice because they pay you while you wait, but here the payout is modest and the growth engine is tiny. If someone is secretly expecting this to function as a high‑income machine, expectations and reality might need to have a quiet conversation in the corner.
Ongoing product costs
- Fidelity® MSCI Energy Index ETF 0.08%
Costs are actually the most grown‑up part of this whole thing. The energy ETF’s TER at 0.08% is impressively low — that’s couch‑cushion money in fee terms. The money market fund’s internal costs aren’t shown here, but these are usually mild, especially at big providers. Fees are one of the few things you can control, and you’ve dodged the classic “paying champagne prices for tap water” mistake. The ironic twist: the cost structure is efficient, but there’s barely any actual investment to benefit from that efficiency. Still, credit where it’s due — you clicked the cheap stuff.
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