Growth focused global equity blend with modest bonds and broadly diversified stock market exposure
Report created on Aug 21, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
FS FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSPSX - US3159117270 30.44% -
FX Fidelity 500 Index Fund
FXAIX - US3159117502 19.98% -
JL JPMORGAN LARGE CAP GROWTH FUND CLASS R6
JLGMX - US48121L8413 19.81% -
VI VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES
VIMAX - US9229086452 10.02% -
VS VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
VSMAX - US9229086866 10.00% -
PF PIMCO FOREIGN BOND FUND (U.S. DOLLAR-HEDGED) INSTITUTIONAL
PFORX - US6933908823 4.90% -
VB Vanguard Total Bond Market Index Fund Admiral Shares
VBTLX - US9219376038 4.85%
This portfolio is mostly in stock mutual funds with a relatively small slice in bonds. About 90% sits in equity funds covering US large caps, US mid and small caps, and international stocks, while roughly 10% is split between a broad US bond fund and a hedged foreign bond fund. The three largest positions together make up about 70% of the total weight, so they strongly shape overall behavior. This structure fits a growth‑oriented risk profile where short‑term ups and downs are accepted in exchange for higher long‑term growth potential. The mix of broad index funds plus one active large‑cap growth fund creates a core‑and‑satellite feel, where the active piece adds a distinct style on top of diversified index exposure.
Growth
Over the last decade, a hypothetical $1,000 in this portfolio grew to about $4,789, which is a compound annual growth rate (CAGR) of 17.04%. CAGR is the “average yearly speed” of growth, smoothing out all the bumps along the way. That beats both the US market benchmark at 15.40% and the global market at 12.73%. The worst drop, or max drawdown, was about -32% during early 2020, very similar in depth to the benchmarks but with a fairly quick four‑month recovery. Needing only 41 days to generate 90% of returns shows how a small number of strong days drove most gains, a reminder of how missing brief rebounds can matter a lot over time.
Projection
The Monte Carlo projection takes the portfolio’s past risk and return patterns and simulates 1,000 alternative futures. It’s like running many “what if” market paths to see a range of possible outcomes, not just one forecast. Starting from $1,000, the median 15‑year result is about $2,725, with a central band from roughly $1,904 to $4,013 (middle 50% of simulations). The wider 5–95% range runs from around $1,097 to $6,827, underlining how uncertain markets can be. The average simulated annual return of 7.74% is notably lower than the historical 17.04%, which is common when projections assume more moderate future conditions. As always, simulations rely on past data and assumptions that can’t fully capture future shocks.
Asset classes
- Stocks 90%
- Bonds 10%
Asset‑class wise, this is a clearly equity‑heavy mix: about 90% stocks and 10% bonds. That’s more aggressive than a balanced portfolio, where bonds would usually play a larger stabilizing role, but it lines up well with a “growth” label. Stocks historically offer higher long‑term returns but larger short‑term swings, while bonds generally provide steadier income and cushion some downturns. Here, the limited bond slice still adds a bit of ballast, especially through the broad US bond index and the dollar‑hedged foreign bond fund, yet the portfolio’s overall behavior will be dominated by equity markets. This stock‑first allocation is consistent with a higher risk score and a focus on capital growth over income or capital preservation.
Sectors
- Technology 23%
- Financials 14%
- Industrials 13%
- Health Care 9%
- Consumer Discretionary 8%
- Telecommunications 7%
- Consumer Staples 5%
- Energy 3%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is well spread across the economy, with technology the largest at 23%, followed by meaningful stakes in financials, industrials, health care, and consumer‑oriented areas. Compared with broad market benchmarks, the tech share is a bit elevated but still within a typical range for modern equity portfolios. Smaller allocations to energy, materials, utilities, and real estate round out the picture, so no single non‑tech sector dominates. This broad mix helps reduce the impact of any one industry cycle, since different sectors react differently to interest rates, economic growth, and inflation. A modest tech tilt can boost growth in innovation‑driven periods, but may also mean bigger swings when markets rotate away from high‑growth, interest‑rate‑sensitive companies.
Regions
- North America 64%
- Europe Developed 20%
- Japan 7%
- No data 5%
- Australasia 2%
- Asia Developed 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio leans strongly toward North America at 64%, with sizable exposure to developed Europe at 20% and Japan at 7%. Smaller slices reach Australasia and other developed Asian markets. Compared with a global market index, this shows a clear US/North America tilt, which is very common for US‑based portfolios. That tilt has helped over the last decade, when US stocks outpaced many other regions. At the same time, the substantial non‑US slice adds diversification benefits because different economies and currencies don’t always move together. This global spread aligns fairly well with broad diversification norms, even if it’s not perfectly market‑weighted, and helps reduce the risk of being tied entirely to a single country’s economic fortunes.
Market capitalization
- Mega-cap 36%
- Large-cap 26%
- Mid-cap 20%
- Small-cap 6%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By company size, the portfolio is anchored in mega‑ and large‑cap stocks, which together make up over 60% of equity exposure. Around 20% in mid‑caps and about 7% in small and micro caps add a meaningful, but not dominant, dose of smaller companies. Larger firms often provide more stability, deeper liquidity, and broader analyst coverage, while smaller companies can offer higher growth potential but more volatility and business risk. This mix leans slightly toward stability, with most risk and return driven by the biggest, most established companies. At the same time, having dedicated mid‑ and small‑cap index funds ensures that the portfolio doesn’t miss out on that part of the market, supporting a well‑rounded equity footprint.
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 exposure is broadly balanced. Value, size, momentum, quality, and low volatility all sit near the neutral range, meaning the portfolio behaves similarly to the overall market on those dimensions. Factor investing targets traits like cheapness (value), trend following (momentum), or stability (low volatility) that research has linked to returns, but this mix isn’t leaning heavily into or away from any of them. The one notable area is yield, which shows a mild tilt away from high‑dividend stocks at 30%. That’s consistent with the growth‑oriented equity sleeve, where companies often reinvest profits rather than pay them out. In practice, this means returns will likely be driven more by price changes than by dividend income, especially on the stock side.
Risk contribution
-
FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 30.44% 27.9% -
JPMORGAN LARGE CAP GROWTH FUND CLASS R6
Weight: 19.81% 26.6% -
Fidelity 500 Index Fund
Weight: 19.98% 21.7% -
VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
Weight: 10.00% 12.3% -
VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES
Weight: 10.02% 11.2% - Top 5 risk contribution 99.7%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weights. Here, the three biggest positions by weight contribute over 76% of total risk, even though they make up around 70% of assets. The active large‑cap growth fund stands out: at about 20% weight, it contributes roughly 27% of overall risk, with a risk‑to‑weight ratio of 1.34. That signals higher volatility or different behavior compared with the broad index funds. The mid‑ and small‑cap index funds also punch a bit above their weights in risk terms, which fits their more volatile nature. This pattern is typical for a growth‑tilted portfolio where a few key holdings steer most of the ride.
Redundant positions
-
High correlationVANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARESVANGUARD MID-CAP INDEX FUND ADMIRAL SHARES
Correlation looks at how investments move relative to each other, from 1 (moving almost in lockstep) to -1 (moving in opposite directions). In this portfolio, the mid‑cap and small‑cap Vanguard index funds are highly correlated, meaning their prices tend to move very similarly over time. That’s not surprising since both tap into the US smaller‑company universe, just at slightly different size brackets. High correlation doesn’t make these funds redundant, but it does mean they add similar types of risk and return. When smaller US stocks rally or fall, both funds are likely to react in broadly the same way. Diversification benefits mainly come from combining these with larger‑cap US, international stocks, and the bond positions.
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 risk‑versus‑return chart plots this portfolio against an efficient frontier built from the existing holdings. The current mix has an expected return of 14.77% with annualized risk of 16.07%, giving a Sharpe ratio of 0.67. Sharpe ratio measures return per unit of risk, after accounting for a risk‑free rate, a bit like asking how much “extra” you earn for each bump in the road. The optimal portfolio on this set of funds has a much higher Sharpe of 1.12, and the curve suggests the current allocation sits about 4.6 percentage points below the frontier at its risk level. That means, in theory, different weights across the same funds could offer a better balance between volatility and expected return without adding new holdings.
Dividends
- FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.80%
- Fidelity 500 Index Fund 1.00%
- JPMORGAN LARGE CAP GROWTH FUND CLASS R6 10.80%
- PIMCO FOREIGN BOND FUND (U.S. DOLLAR-HEDGED) INSTITUTIONAL 4.10%
- Vanguard Total Bond Market Index Fund Admiral Shares 4.00%
- VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES 1.30%
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 1.20%
- Weighted yield (per year) 3.84%
The overall dividend yield is about 3.84%, combining equity distributions and bond fund income. Yield is the annual cash paid out as a percentage of the investment value — one part of total return alongside price changes. The standout is the listed 10.80% yield on the large‑cap growth fund, which is unusually high for a growth strategy and may reflect a specific point in time or distribution pattern. Bond funds contribute meaningful income at around 4%, while the broad US and small‑cap equity funds offer lower yields near 1–1.3%, consistent with growth‑oriented stock exposure. For this portfolio, dividends and bond interest provide a steady income stream, but capital growth from share price movements has been, and likely remains, the main driver.
Ongoing product costs
- FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
- Fidelity 500 Index Fund 0.02%
- JPMORGAN LARGE CAP GROWTH FUND CLASS R6 0.44%
- PIMCO FOREIGN BOND FUND (U.S. DOLLAR-HEDGED) INSTITUTIONAL 0.57%
- Vanguard Total Bond Market Index Fund Admiral Shares 0.04%
- VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES 0.05%
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 0.05%
- Weighted costs total (per year) 0.14%
Costs are very low overall, with a total expense ratio (TER) around 0.14%. TER is the annual fee charged by funds, taken directly out of returns, similar to a small membership fee that quietly reduces the final gain each year. Most holdings are low‑cost index funds in the 0.02–0.05% range, which is near the cheapest available in the market. The main cost outlier is the active large‑cap growth fund at 0.44%, and the foreign bond fund at 0.57%, but their combined weight is limited enough that the blended cost stays modest. Keeping fees this low is a clear strength of the portfolio, since even small percentage differences compound into meaningful amounts over long periods.
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