Tech flavored index hugger with bonus semiconductor chaos and a Palantir side quest
Report created on Apr 23, 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.
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 50.00% -
FS FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSPSX - US3159117270 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 5.00% -
AV Avantis® Emerging Markets Equity ETF
AVEM - US0250726041 3.00% -
PL Palantir Technologies Inc.
PLTR - US69608A1088 2.00%
This portfolio is basically three funds doing all the work, with a couple of spicy satellites stapled on for excitement. You’ve got a huge US core, a decent chunk of foreign developed, then a NASDAQ rocket booster and a tiny semiconductor rocket strapped to the side, plus a 2% Palantir lottery ticket. It’s less “carefully engineered machine” and more “standard index bundle with a tech crush and vibes.” Structurally it’s simple, which is good; but the simplicity is a bit deceptive because those add-ons quietly tilt the whole thing toward growthy, high-volatility names. On paper it looks diversified; under the hood it’s leaning pretty hard into one story: big, shiny, US-led equity risk.
Growth
Historically this thing has absolutely ripped: 18.37% CAGR versus about 15% for the US market and 13% for global. Turning $1,000 into $2,523 over this period is not exactly underachieving. But it didn’t do that politely — a near-30% max drawdown and more than two years peak-to-recovery say “strap in.” CAGR (compound annual growth rate) is like your average speed over a chaotic road trip: it smooths out the crashes and traffic jams. The fact that 90% of your returns came from just 29 days tells you this portfolio is a “miss a few key days and cry later” setup. Past data is helpful, but it’s yesterday’s weather, not a forecast.
Projection
The Monte Carlo projection basically says, “Congrats, you built a rollercoaster with decent odds of paying off.” Monte Carlo just means a ton of simulated futures using past-like volatility and returns, then seeing the range of outcomes. Median result of $2,722 from $1,000 over 15 years is fine but nowhere near the historical sugar high. The p5–p95 spread ($943–$7,913) screams uncertainty: anything from barely breaking even after inflation to “I accidentally did great.” Simulations assume the future kind of rhymes with the past, which is a big assumption for a tech-tilted growth portfolio that’s already been living in a golden era.
Asset classes
- Stocks 100%
Asset classes: 100% stocks, 0% anything else. This isn’t a portfolio; it’s an “I heard volatility builds character” experiment. There’s no ballast — no bonds, no cash sleeve, no alternatives, just pure equity beta front and center. That’s why drawdowns bite so hard: everything here is on the same risk side of the seesaw. A one-asset-class portfolio is like a diet of only espresso: sure, you’ll be very productive until your hands start shaking. The growth label fits, but the risk score of 5/7 feels almost generous; this is unapologetically all-in on the equity rollercoaster.
Sectors
- Technology 37%
- Financials 12%
- Telecommunications 10%
- Industrials 9%
- Health Care 8%
- Consumer Discretionary 7%
- Consumer Staples 6%
- Consumer Discretionary 3%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector-wise, technology is clearly the main character at 37%, and that’s before remembering the NASDAQ 100 and semiconductor ETF both lean heavily into it. Then you’ve got modest slices of financials, telecom, industrials, health care, and consumer areas trying to pretend this is balanced. The 5% semiconductor position is basically tech on leverage — same theme, just more dramatic mood swings. This is not a quiet, evenly spread sector mix; it’s “growth and innovation or bust,” with the other sectors acting as background extras. When one big theme dominates, the portfolio’s fate leans heavily on that sector not falling out of fashion.
Regions
- North America 76%
- Europe Developed 14%
- Japan 5%
- Asia Developed 3%
- Australasia 1%
- Asia Emerging 1%
Geographically, this is a “Home Sweet USA” portfolio at 76% North America, with a polite nod to the rest of the world. Europe, Japan, and other developed regions collectively get some crumbs, while emerging markets show up as a rounding error via that tiny 3% Avantis position. The US tilt has worked brilliantly in the backtest, but it also means the portfolio is making one giant macro bet: that the recent decade of US dominance just keeps running. A 3/5 diversification score feels about right — it’s not completely parochial, but let’s not pretend this is some robust, balanced global allocation.
Market capitalization
- Mega-cap 50%
- Large-cap 35%
- Mid-cap 14%
- Small-cap 1%
Market cap is very much a “big kids only” party: 50% mega-cap, 35% large-cap, 14% mid, and 1% small. This is classic index-hugging behavior with a few growth steroids on top. You’re basically outsourcing your conviction to the largest companies in the world, then revving it up with NASDAQ and semis. That skew means the portfolio lives and dies with the giants — the corporate titans driving the broad market indexes. There’s almost no exposure to the scrappy small-cap side of the market, which can behave differently in certain cycles. For better or worse, this setup says: “Just follow the mega-cap crowd and hope the parade never stops.”
True holdings
-
NV NVIDIA Corporation 2.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
-
-
AA Apple Inc 1.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 1.14%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 1.12%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
-
AM Amazon.com Inc 0.98%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
ME Meta Platforms Inc. 0.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 0.73%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
GO Alphabet Inc Class A 0.72%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Taiwan Semiconductor Manufacturing 0.72%
Part of fund(s):- Avantis® Emerging Markets Equity ETF
- VanEck Semiconductor ETF
- Top 10 total 12.30%
The look-through is basically a who’s who of mega-cap US tech and growth: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Meta, Tesla, Alphabet, TSMC. No surprises — just confirmation that the satellite funds doubled down on the same celebrities the big indexes already worship. Overlap is likely worse than it looks because only ETF top-ten data is used, so the true concentration in these names is almost certainly higher. Effectively, multiple holdings are all dragging you toward the same cluster of giant tech-related stocks. That’s not diversification; that’s buying the same story through three different wrappers and calling it a strategy.
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, this thing is accidentally pretty balanced: value, size, momentum, quality, and low volatility all sit near “neutral,” meaning it broadly behaves like the wider market. Yield is notably low at 31%, which is exactly what you’d expect from a growth-heavy, tech-leaning setup. Factor exposure is basically the ingredient list behind your returns — in this case, it says, “Mostly standard market soup, just with fewer income toppings.” The lack of strong tilts means there’s no deliberate factor bet driving behavior; performance is coming more from the sector, geography, and mega-cap biases than any clever factor engineering.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 50.00% 46.1% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 24.0% -
FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 20.00% 14.7% -
VanEck Semiconductor ETF
Weight: 5.00% 8.5% -
Palantir Technologies Inc.
Weight: 2.00% 4.3% - Top 5 risk contribution 97.7%
Risk contribution lays it bare: the top three positions (S&P 500, international index, NASDAQ 100) drive nearly 85% of portfolio risk, with NASDAQ doing more than its fair share for a 20% weight. The semiconductor ETF and 2% Palantir position punch well above their size — Palantir contributes over twice its weight in risk, which is a lot of chaos from a supposedly tiny slice. Risk contribution is like asking which positions are actually shaking the portfolio, not just showing up in the weight table. Here, a few high-octane names are doing most of the emotional damage when markets wobble.
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 efficient frontier chart, this portfolio is literally leaving free efficiency on the table: 2.42 percentage points below the best possible outcome using the same ingredients. The Sharpe ratio of 0.75 versus 0.84 for the minimum-variance mix and 1.18 for the max-Sharpe version says it plainly: same stuff, worse trade-off. The efficient frontier is just the curve showing the best return for each risk level if you rearranged the weights smartly. Being below it means the current mix is like driving a fast car with the handbrake half on — you’re taking plenty of risk, but not getting all the return you could for it.
Dividends
- Avantis® Emerging Markets Equity ETF 2.20%
- FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.00%
- Fidelity 500 Index Fund 1.10%
- Invesco NASDAQ 100 ETF 0.50%
- VanEck Semiconductor ETF 0.20%
- Weighted yield (per year) 1.33%
Income is an afterthought here. A total yield of 1.33% is what you get when you stack growth indexes, NASDAQ, and semis, then sprinkle a bit of higher-yield international and emerging markets on top. That’s fine if the goal is capital growth, but let’s not pretend this is a “live off the dividends” setup. The techy parts are basically saying, “We don’t do cash; we do vibes and reinvestment.” Dividends can help smooth returns a bit, but in this portfolio they’re more of a side effect than a feature. The real action is in price swings, not steady checks.
Ongoing product costs
- Avantis® Emerging Markets Equity ETF 0.33%
- FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
- Fidelity 500 Index Fund 0.02%
- Invesco NASDAQ 100 ETF 0.15%
- VanEck Semiconductor ETF 0.35%
- Weighted costs total (per year) 0.08%
Costs are probably the most grown-up part of this whole arrangement. A 0.08% total TER is impressively low — you managed to build a turbo-charged, tech-tilted index mashup without paying fancy-fee hedge-fund prices for the privilege. The expensive culprits (semis and emerging markets) are small enough not to ruin the average, while the core Fidelity funds quietly drag the overall cost down. It’s basically a high-volatility, index-heavy setup priced like a boring passive portfolio. Fees are under control; if anything, they make the rest of the risk choices look even louder by contrast.
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