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Balanced stock and bond portfolio with strong diversification and a tilt toward value and low volatility

Report created on May 12, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is a straightforward mix of broad stock index funds, bond funds, and a small slice of factor ETFs. Around three quarters is in stocks, led by a large US total-market fund and an international fund, while just over a quarter sits in core bonds and inflation-protected bonds. Two small-cap value ETFs add a focused equity tilt on top of the broad index exposure. This structure gives a clear “core and satellite” feel: low-cost index funds form the base, with a small, more specialized layer on top. That kind of setup keeps the overall picture simple to understand while still allowing for some targeted characteristics in the equity side.

Growth Info

From late 2019 to May 2026, a $1,000 investment in this mix grew to about $2,113. That works out to a compound annual growth rate (CAGR) of 12.02%, meaning the portfolio grew on average about 12% per year over the full period. Over the same stretch, the US stock market did about 16.37% a year and the global market about 13.94%, so this portfolio lagged both. The trade-off is that its worst drop, or max drawdown, was about -27.7%, smaller than both benchmarks’ roughly -33% declines in early 2020. This pattern is typical of adding bonds: they usually dampen extreme swings but can also trim peak returns in very strong equity markets. Past performance, of course, doesn’t guarantee similar results going forward.

Projection Info

The Monte Carlo projection uses many simulations to estimate a range of future outcomes, based on how the portfolio behaved historically. Think of it like running a thousand alternative timelines where returns are shuffled around using the past as a guide. Over 15 years, a $1,000 starting amount has a median (middle) outcome around $2,601, which implies about 7.06% average annual return across all simulations. The “likely range” between about $1,898 and $3,598 shows where the middle 50% of scenarios land, while the wider band highlights more optimistic and more pessimistic cases. These numbers are only estimates: markets rarely repeat the past exactly, so the projections should be seen as a rough map, not a promise.

Asset classes Info

  • Stocks
    74%
  • Bonds
    26%

With 74% in stocks and 26% in bonds, the mix lines up closely with what many would label a balanced stock–bond split, leaning somewhat growth-oriented. Stocks are the main driver of long-term growth because their prices and dividends can rise with company profits over time, but they also introduce most of the short-term ups and downs. Bonds tend to move less and can provide income and some cushioning when stock markets fall sharply. This allocation is well-balanced and aligns closely with global standards for diversified portfolios that aim for growth while still having a meaningful stabilizing bond component. The presence of both regular bonds and inflation-protected bonds adds another layer of resilience against different economic environments.

Sectors Info

  • Technology
    17%
  • Financials
    13%
  • Industrials
    9%
  • Consumer Discretionary
    6%
  • Health Care
    6%
  • Telecommunications
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Consumer Discretionary
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread broadly across the economy. Technology is the largest slice at 17%, followed by financials and industrials, with meaningful allocations to health care, consumer areas, and several smaller sectors. Compared to common global benchmarks, this looks reasonably close to market-like sector weights rather than heavily concentrated in one theme. That kind of balance means no single type of business is likely to dominate the portfolio’s equity behavior. Tech-heavy portfolios, for example, can swing more when interest rates move, while more cyclical sectors can be sensitive to economic growth. Here, the diversified mix helps smooth out those different sensitivities, so overall sector risk is shared across many types of companies instead of hinging on one big bet.

Regions Info

  • North America
    60%
  • Europe Developed
    13%
  • No data
    10%
  • Japan
    6%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Latin America
    2%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 60% of the equity exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging markets and other regions. That North American tilt is common in many global portfolios and roughly in line with the region’s large share of world stock market value. The international portion adds meaningful diversification, because different regions can experience economic cycles, interest rate paths, and currency moves at different times. This allocation is well-balanced and aligns closely with global standards, helping the portfolio benefit from a broad range of markets rather than relying heavily on a single country or region for long-term growth.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    21%
  • Mid-cap
    14%
  • Small-cap
    7%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

By market size, the portfolio leans toward larger companies but still includes a notable spread across the spectrum. Mega-cap and large-cap stocks together make up around half the equity exposure, with mid-caps and small-caps contributing additional layers and even a small micro-cap slice. Larger companies tend to be more established and often somewhat less volatile, while smaller ones can be more sensitive to economic conditions but also carry more growth and risk. The dedicated small-cap value ETFs reinforce the exposure lower down the size spectrum. Overall, this mix offers broad market coverage, so performance is not driven purely by the biggest household-name stocks but also reflects the behavior of smaller, more niche companies.

True holdings Info

  • Mitsui Mining and Smelting Co.
    0.08%
    Part of fund(s):
    • Avantis® International Small Cap Value ETF
  • AT & S Austria Technologie & Systemtechnik Aktiengesellschaft
    0.06%
    Part of fund(s):
    • Avantis® International Small Cap Value ETF
  • ViaSat Inc
    0.06%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • Matson Inc
    0.05%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • Lear Corporation
    0.04%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • Stonex Group Inc
    0.04%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • Avnet Inc
    0.04%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • SM Energy Co
    0.04%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • Plexus Corp
    0.04%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • Clal Insurance Enterprises Holdings Ltd
    0.04%
    Part of fund(s):
    • Avantis® International Small Cap Value ETF
  • Top 10 total 0.51%

This breakdown covers the equity portion of your portfolio only.

The look-through data here is limited, covering less than 1% of the portfolio because only the ETFs’ top 10 holdings are included. The visible names are all relatively small positions, each representing roughly 0.04–0.08% of the whole portfolio. There is no obvious concentration in a single company within this partial snapshot, and the exposures span various businesses. Because the coverage is so low, hidden overlap among top holdings in the mutual funds and deeper ETF holdings isn’t fully captured. In practice, large index funds often share many of the same big companies, so actual overlap is likely higher than these numbers show, but the available information doesn’t point to any single stock dominating risk by itself.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 74%
Size
Exposure to smaller companies
Neutral
Data availability: 74%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 74%
Quality
Preference for financially healthy companies
Neutral
Data availability: 74%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 74%

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 shows a meaningful tilt toward value and low volatility, with other factors close to market-like. Value exposure is high, meaning the portfolio leans toward stocks that look cheaper on measures like price relative to fundamentals. Historically, value has sometimes rewarded patience but can go through long stretches of underperformance versus more expensive “growth” names. The high low-volatility exposure suggests a bias toward stocks that have been less jumpy in price. These often hold up better in market downturns but can lag when very speculative areas surge. Size, momentum, quality, and yield all sit near neutral, so they don’t dominate behavior. Overall, these factor tilts help explain why the portfolio has shown a blend of steadiness with a distinctive value flavor.

Risk contribution Info

  • FIDELITY ZERO TOTAL MARKET INDEX FUND
    Weight: 38.40%
    53.2%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND
    Weight: 25.60%
    30.1%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 5.00%
    8.3%
  • Avantis® International Small Cap Value ETF
    Weight: 5.00%
    6.1%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND
    Weight: 16.00%
    1.7%
  • Top 5 risk contribution 99.3%

Risk contribution looks at how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the main US total-market fund is 38.4% of the portfolio but contributes over 53% of total risk. The international index fund adds about 30% of risk on a 25.6% weight. The two small-cap value ETFs are only 10% combined but contribute more than 14% of risk, reflecting their more volatile nature. In contrast, the bond funds, together 26% of the portfolio, contribute only around 1.7% of risk. That big gap shows how bonds act as stabilizers: they take up space in the portfolio without adding much to the overall swings, while equity positions, particularly the main US fund, dominate risk.

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 chart compares this portfolio’s risk and return to the best possible combinations of its existing holdings. The current mix has an annualized return of about 12.14% with volatility around 14.46%, giving a Sharpe ratio of 0.56 (a measure of return per unit of risk above the risk-free rate). The optimal mix, using just the same funds in different proportions, reaches a Sharpe of 0.83, meaning better risk-adjusted performance, while the minimum-variance blend drops risk much lower but also reduces expected return. Since the current portfolio sits about 1.14 percentage points below the frontier at its risk level, the chart suggests that simply reweighting these same holdings could, in theory, offer a more efficient balance between return and volatility.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • FIDELITY INFLATION-PROTECTED BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.80%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 4.00%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.40%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 0.90%
  • Weighted yield (per year) 2.18%

The portfolio’s overall dividend yield is about 2.18%, reflecting a blend of bond income and equity dividends. The bond funds are the highest yielders, around 3.8–4.0%, while the equity funds range roughly from 0.9% to 2.7%. Dividends and bond interest can be an important piece of total return, particularly in periods when price growth is slower. For a stock-heavy mix, a yield in this range is fairly typical: it provides some ongoing cash flow without turning the portfolio into a pure income strategy. Over time, reinvesting these payouts, if chosen, can significantly boost growth through compounding, even if they don’t feel dramatic on a year-to-year basis.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • FIDELITY INFLATION-PROTECTED BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.05%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 0.45%
  • Weighted costs total (per year) 0.11%

The total expense ratio across all holdings is about 0.11%, which is impressively low. Most of the heavy lifting is done by the Fidelity index funds and the institutional-class inflation-protected bond fund, all with very modest fees. The Avantis small-cap value ETFs and the active total bond fund are more expensive individually, but they’re small enough slices that they barely move the overall cost. Keeping fees low leaves more of the portfolio’s return in place each year, and that difference compounds over decades. This cost profile is a strong foundation: it’s in line with, or even better than, what many consider efficient for a broadly diversified, long-term portfolio structure.

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