A growth-focused portfolio with a strong tilt towards technology and U.S. equities
Report created on Oct 30, 2025Risk profile
5/7
Diversification profile
3/5
Positions
-
IT iShares Core S&P Total U.S. Stock Market ETF
ITOT - US4642871507 39.00% -
FS FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSPGX - US31635V7293 29.00% -
FS Fidelity Select Semiconductors Portfolio
FSELX - US3163908631 26.00% -
IX iShares Core MSCI Total International Stock ETF
IXUS - US46432F8344 6.00%
This portfolio is predominantly invested in U.S. equities, with a significant emphasis on the technology sector. The allocation is spread across two ETFs and two mutual funds, focusing heavily on large-cap growth stocks. The technology sector's overweight, at 54%, alongside substantial investments in financial services and communication services, suggests a growth-oriented strategy. However, the limited exposure to international markets and other asset classes indicates a higher concentration risk.
Growth
Historically, this portfolio has demonstrated a robust Compound Annual Growth Rate (CAGR) of 21.42%, with a maximum drawdown of -36.13%. These figures reflect a high-growth trajectory, albeit with significant volatility. The days contributing to 90% of the returns total 42, indicating that the portfolio's performance is heavily reliant on short, sharp gains, typical of growth-focused investments in volatile sectors like technology.
Projection
Using a Monte Carlo simulation, the forward-looking projection shows a wide range of outcomes, with a median increase of 1,018.7% in portfolio value. While these simulations suggest potential for substantial growth, it's important to remember that such projections are based on past performance and assumptions that may not hold true in the future. The high degree of uncertainty in these projections underscores the portfolio's risk profile.
Asset classes
- Stocks 100%
The portfolio is entirely allocated to stocks, eschewing bonds, cash, or other asset classes. This singular focus on equities, particularly in growth and technology sectors, enhances the portfolio's growth potential but also increases its susceptibility to market volatility. Diversification across different asset classes could provide a buffer against market downturns.
Sectors
- Technology 54%
- Financials 8%
- Telecommunications 8%
- Health Care 6%
- Industrials 5%
- Consumer Discretionary 5%
- Consumer Discretionary 4%
- Consumer Staples 3%
- Energy 2%
- Basic Materials 1%
- Real Estate 1%
- Utilities 1%
The heavy allocation to technology, followed by financial services and communication services, aligns with the portfolio's growth orientation. However, this sector concentration increases the portfolio's sensitivity to sector-specific risks. Diversifying across a broader range of sectors could mitigate this risk and potentially smooth out returns over time.
Regions
- North America 90%
- Europe Developed 5%
- Asia Developed 2%
- Asia Emerging 2%
- Japan 1%
With 90% of assets in North America and minimal exposure to international markets, the portfolio's geographic concentration in developed markets, particularly the U.S., is evident. While this has historically been a source of strength, the underrepresentation of emerging and developed markets outside the U.S. could limit potential gains from global economic growth.
Market capitalization
- Mega-cap 51%
- Large-cap 25%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
The portfolio's emphasis on mega and big-cap stocks, constituting 76% of the allocation, is consistent with its growth and risk profile. These companies often provide stability and strong growth potential but may also limit opportunities for outsized gains from smaller, more agile firms.
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.
Based on the Efficient Frontier analysis, there may be opportunities to optimize the portfolio for a better risk-return trade-off. Adjusting the asset allocation could potentially increase returns for the same level of risk or decrease risk without sacrificing returns. However, this optimization is dependent on the current market conditions and the investor's risk tolerance.
Dividends
- Fidelity Select Semiconductors Portfolio 5.80%
- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.30%
- iShares Core S&P Total U.S. Stock Market ETF 1.10%
- iShares Core MSCI Total International Stock ETF 2.80%
- Weighted yield (per year) 2.19%
The overall dividend yield of 2.19% contributes to the portfolio's total return, with a notable 5.80% yield from the Fidelity Select Semiconductors Portfolio. While growth stocks typically offer lower dividends, the portfolio's yield suggests a balanced approach to growth and income, particularly from the semiconductor sector.
Ongoing product costs
- Fidelity Select Semiconductors Portfolio 0.62%
- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
- iShares Core S&P Total U.S. Stock Market ETF 0.03%
- iShares Core MSCI Total International Stock ETF 0.07%
- Weighted costs total (per year) 0.19%
The portfolio's total expense ratio (TER) of 0.19% is relatively low, enhancing net returns. The varying costs across investments—from 0.62% for the Fidelity Select Semiconductors Portfolio to 0.03% for the iShares Core S&P Total U.S. Stock Market ETF—reflect a cost-effective approach to portfolio construction, balancing higher-cost active management with low-cost index funds.
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