Growth focused stock portfolio with strong US tilt and efficient risk and return balance
Report created on May 11, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
FZ FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 10.00%
This portfolio is a straightforward, stock-only mix built from four broad funds. About half sits in a total US market index, giving wide exposure across many companies. Nearly a third leans into a focused growth index, while a smaller slice targets US small cap value, and the rest holds international stocks. Structurally, this makes the portfolio simple to understand: one core holding, one big growth satellite, one small-value tilt, and a modest overseas sleeve. That kind of “core plus satellites” setup is common for growth-oriented investors because it keeps costs and complexity low while still adding a few distinct return drivers around the main broad-market position.
Growth
From late 2020 to early May 2026, $1,000 grew to about $2,252, which is a compound annual growth rate (CAGR) of 15.79%. CAGR is basically the “average speed” of growth per year over the whole period. This slightly beat the US market benchmark and more clearly outpaced the global benchmark. The max drawdown was around -26.7%, meaning the largest peak‑to‑trough fall was a bit deeper than the US market but similar to the global market. It took about 15 months to fully recover after that drop. Also, 90% of total gains came from just 26 days, showing returns were concentrated in a relatively small number of strong days.
Projection
The forward projection uses a Monte Carlo simulation, which is like running 1,000 alternate futures by shaking historical returns in different random sequences. It doesn’t “predict” a single outcome; instead, it maps a range of possibilities if markets behaved roughly like the past. In these simulations, $1,000 most often ended near $2,801 after 15 years, with a wide band from about $1,043 to $7,649 covering most scenarios. The average annualized return across simulations was 8.13%, much lower than the recent historical CAGR, underlining that the past strong run may not repeat. As always, these numbers are hypothetical and can’t guarantee any specific future result.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, cash, or alternative assets. That means every dollar is tied to equity markets, which historically have offered higher long‑term returns but also larger and more frequent swings. Being 100% in stocks removes the natural shock absorber that bonds or cash can offer during market sell‑offs. On the flip side, it keeps all capital working in growth-oriented assets. This all‑equity structure is consistent with the “Growth” risk classification and the 5/7 risk score: the portfolio is built to ride market cycles rather than dampen them, and its behavior will be closely linked to global equity conditions.
Sectors
- Technology 35%
- Financials 11%
- Telecommunications 10%
- Industrials 9%
- Health Care 7%
- Consumer Discretionary 6%
- Consumer Staples 6%
- Consumer Discretionary 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio is clearly tilted toward technology at around 35%, with the rest spread across areas like financials, telecom, industrials, health care, consumer-related groups, energy, materials, utilities, and real estate. This is more tech-heavy than a traditional broad global index, mainly because of the NASDAQ 100 allocation. Tech-heavy lineups often benefit strongly when growth and innovation themes lead the market, but can feel sharper drawdowns when interest rates rise or investors rotate toward more defensive sectors. The presence of multiple non-tech sectors is still helpful, though; it gives exposure to businesses that tend to react differently across economic cycles, reducing the impact of any single sector’s downturn.
Regions
- North America 90%
- Europe Developed 5%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 1%
- Latin America 1%
Geographically, about 90% of the portfolio is in North America, with the remaining 10% spread across Europe, Japan, other developed Asian markets, and some emerging regions. That’s a much stronger home-country tilt than global market-cap benchmarks, where the US and Canada together are closer to 60%. A US-heavy tilt has worked well over the last decade, but it also means the portfolio’s fortunes are closely tied to one economy, one currency, and one policy environment. The smaller international sleeve does add some diversification, giving exposure to different growth, inflation, and interest rate dynamics that might not move in lockstep with North America over longer horizons.
Market capitalization
- Mega-cap 42%
- Large-cap 29%
- Mid-cap 14%
- Small-cap 8%
- Micro-cap 6%
Across company sizes, this portfolio leans toward larger firms but still has meaningful exposure down the size spectrum. Roughly 42% is in mega-caps and 29% in large-caps, with the rest spread over mid, small, and micro‑caps. This creates an interesting blend: large and mega companies tend to provide more stability and liquidity, while small and micro‑caps can be more volatile but sometimes offer stronger growth or recovery potential. The dedicated small‑cap value ETF further amplifies that exposure to the lower end of the size range. Overall, this size mix aligns with a growth‑oriented equity portfolio that still wants some diversification across different corporate stages and risk profiles.
True holdings
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NV NVIDIA Corporation 2.60%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 2.14%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 1.58%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 1.47%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 1.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class C 1.09%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 1.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
MU Micron Technology Inc 1.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 0.99%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Advanced Micro Devices Inc 0.93%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 14.04%
Looking through to the top underlying holdings, a handful of big US tech and growth names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Tesla, Micron, Broadcom, and AMD. Together, these top positions add up to several percentage points of the total portfolio, even though you don’t hold any single company directly. Because these names appear in multiple funds, they create hidden concentration—if large growth stocks move sharply, the impact can be felt across more than one holding at the same time. The overlap numbers are likely understated since only ETF top‑10 lists were used, but they still show that a relatively small number of large companies influence portfolio behavior.
Factors
Factor exposure is very close to neutral across value, size, momentum, quality, and low volatility, meaning the portfolio behaves broadly like the overall market on those characteristics. Factor investing looks at traits that explain returns, like favoring cheaper stocks (value) or stable ones (low volatility). Here, no strong tilt stands out, which keeps the portfolio from being overly dependent on any single factor regime. The one notable point is yield, which is low compared with the market. That suggests the focus is more on price appreciation than income, and that total return will be driven mostly by capital gains rather than dividends, especially during strong growth phases.
Risk contribution
-
FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 50.00% 47.5% -
Invesco NASDAQ 100 ETF
Weight: 30.00% 35.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 10.2% -
FIDELITY ZERO INTERNATIONAL INDEX FUND
Weight: 10.00% 7.1%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The total US market fund is half the allocation and contributes a similar share of risk, behaving very much like a core anchor. The NASDAQ 100 ETF is 30% of the weight but contributes over 35% of the risk, reflecting its higher volatility; its risk/weight ratio above 1 confirms this. The small‑cap value ETF’s risk share roughly matches its 10% weight, while the international fund’s risk is lower than its weight. Combined, the top three holdings generate nearly 93% of portfolio risk, underscoring how concentrated the risk drivers really are.
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.
The efficient frontier analysis suggests this portfolio is already on or very near the optimal risk‑return curve for the given holdings. The Sharpe ratio—a measure of return per unit of risk above the risk‑free rate—is 0.69 for the current mix. The “max Sharpe” version using the same components reaches 0.92 by taking a bit more risk, while the minimum variance blend lowers risk but also return. Because the current point lies close to the efficient frontier, the weighting among these four positions is doing a good job turning their combined volatility into return. In other words, for this set of funds, the tradeoff between risk and reward is already handled efficiently.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.40%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 0.90%
- Invesco NASDAQ 100 ETF 0.40%
- Weighted yield (per year) 0.94%
The portfolio’s overall dividend yield is modest at about 0.94%, with individual funds ranging from 0.40% on the growth‑heavy NASDAQ ETF up to 2.40% on the international fund. Yield is the cash income you’d collect each year, before taxes, as a percentage of the portfolio value. Here, income plays a relatively small role in total return; most of the action comes from changes in share prices. This pattern fits a growth‑oriented equity mix where many holdings reinvest earnings into expansion rather than paying them out. That can be beneficial in strong growth environments, but it also means that in flat or weak markets, the portfolio isn’t relying on high income to support returns.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Weighted costs total (per year) 0.07%
Costs are quite low overall, with a total expense ratio around 0.07%. That’s the weighted average of the fund fees you pay each year as a percentage of assets, with no extra layer on top. Two of the funds are Fidelity ZERO index products, which charge 0% TER, while the NASDAQ 100 ETF is at 0.15% and the small-cap value ETF at 0.25%. Low costs help because every dollar not spent on fees stays invested and compounds over time. Relative to many actively managed funds, this cost structure is impressively lean and well-aligned with long‑term, index‑based investing approaches that aim to capture market returns efficiently.
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