Globally diversified stock and bond portfolio with low costs and a tilt to stability over yield
Report created on Apr 2, 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.
What type of investor this portfolio is suitable for
Balanced Investors
This configuration fits someone comfortable with moderate risk who still wants a meaningful growth engine. A typical fit would be an investor with a long-term horizon, perhaps 10–20 years, who can ride out 25–30% drawdowns without panicking. Goals might include building retirement savings, funding future large expenses, or growing wealth above inflation rather than maximizing current income. They’re likely to appreciate global diversification, low costs, and simple index-based building blocks, while accepting some extra volatility from a tilt toward technology and semiconductors. Emotional tolerance for seeing account values swing, paired with a steady, stick‑to‑the‑plan mindset, is more important than a need for high cash yield.
Positions
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FZ FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 61.85% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 14.95% -
FX FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
FXNAX - US3161463563 13.59% -
SO Invesco PHLX Semiconductor ETF
SOXQ - US46138G6153 9.48% -
FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 0.13%
The portfolio is dominated by one global stock fund, backed up by two growth-focused ETFs and a core bond holding. Around three-fifths sits in an international equity index, with the rest split across US large-cap growth, a concentrated semiconductor sleeve, and an investment-grade bond index. This mix lines up well with a “balanced” profile: meaningful stock exposure for growth, but not all-in on equities. Structurally, this is a simple, easy-to-maintain setup built mainly from broad index funds. The key takeaway is that most outcomes will be driven by global stock markets plus the tech tilt, while the bond piece works mainly as a volatility dampener and income source.
Growth
Over the last few years, a $1,000 investment grew to about $1,443, giving a portfolio CAGR of 7.98%. CAGR, or compound annual growth rate, is like average speed on a road trip: it smooths out the bumps. Compared with benchmarks, the portfolio lagged the US market by 2.36 percentage points a year but basically matched the global market. Max drawdown, the worst peak‑to‑trough fall, was about -30%, deeper than both benchmarks. That’s a reminder that even a “balanced” mix can experience sharp temporary losses. Historical returns are useful context, but they don’t guarantee the same pattern going forward, especially given how unusual recent years have been.
Projection
The Monte Carlo projection uses past return and volatility patterns to run 1,000 random “what if” paths for the next 15 years. Think of it as rolling the dice many times to see a spread of plausible futures, not a single forecast. The median outcome shows $1,000 growing to about $2,747, with a wide middle range from roughly $1,800 to $3,900. There’s a 73.6% chance of a positive result, and the average simulated return is about 7.7% per year. These numbers are informative but not promises: if future markets behave differently from the sample period, real results can sit well outside the modeled ranges, especially around rare crises or booms.
Asset classes
- Stocks 86%
- Bonds 14%
By asset class, about 86% is in stocks and 14% in bonds. For a “balanced” approach, that’s on the growthier side, since many balanced allocations cluster closer to a 60/40 split. This equity‑heavy stance supports long‑term growth but also means bigger swings when markets move. The bond index fund, though relatively small, meaningfully lowers overall volatility because bonds historically don’t move in lockstep with stocks. This allocation is well-balanced and aligns closely with global standards for investors seeking moderate growth and willing to accept notable ups and downs. The main implication is that time horizon and emotional tolerance for drawdowns need to match this equity tilt.
Sectors
- Technology 27%
- Financials 15%
- Industrials 10%
- Consumer Discretionary 6%
- Telecommunications 6%
- Health Care 6%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 3%
- Utilities 2%
- Consumer Discretionary 2%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, the portfolio leans heavily into technology at 27%, with solid representation in financials and industrials and smaller slices across areas like health care, consumer-related sectors, and energy. Tech exposure is clearly above what a broad global benchmark would typically show, especially when you factor in the dedicated semiconductor ETF. That can boost returns during periods of innovation, low interest rates, and strong tech earnings, but it can also mean sharper drops when rates rise or when sentiment turns against growth names. The good news is that non-tech sectors are still meaningfully present, helping avoid an all-or-nothing bet on a single industry.
Regions
- North America 29%
- Europe Developed 25%
- No data 14%
- Japan 10%
- Asia Developed 10%
- Asia Emerging 7%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 2%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is nicely global: roughly a third in North America, about a quarter in developed Europe, and notable allocations to Japan, other developed Asia, and emerging Asia. There are also smaller positions in Australasia, Latin America, and Africa/Middle East. This allocation is well-balanced and aligns closely with global standards, reducing dependence on any one economy or currency. Historically, different regions lead at different times, so this diversification can smooth the ride when one area underperforms. The “no data” bucket likely reflects fund classifications rather than a true blind spot. Overall, the geographic mix provides a strong base for long-term resilience.
Market capitalization
- Mega-cap 45%
- Large-cap 29%
- Mid-cap 11%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
The market cap breakdown is dominated by mega-cap and large-cap companies, which together make up about three-quarters of the equity exposure. Mid‑caps are present but smaller, and small‑caps are barely represented at around 1%. Large and mega-caps tend to be more stable, more liquid, and often more diversified businesses, which fits well with a balanced risk profile. The flip side is missing out on some of the higher risk/higher potential return that smaller companies can bring, especially in certain economic cycles. For most investors, this kind of large-cap heavy profile offers a comfortable mix of familiarity, lower volatility, and broad market coverage.
True holdings
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NV NVIDIA Corporation 2.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco PHLX Semiconductor ETF
-
AV Broadcom Inc 1.42%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco PHLX Semiconductor ETF
-
AA Apple Inc 1.14%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 0.83%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MU Micron Technology Inc 0.71%
Part of fund(s):- Invesco PHLX Semiconductor ETF
-
AM Amazon.com Inc 0.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 0.57%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
WM Walmart Inc. Common Stock 0.51%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 0.50%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
ME Meta Platforms Inc. 0.50%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 9.30%
Looking through the ETFs, there’s clear exposure to mega-cap tech and semiconductor names like NVIDIA, Broadcom, Apple, Microsoft, and Micron. Several of these show up across multiple funds, which creates hidden concentration even though each position individually looks modest. Overlap is likely understated because only ETF top-10 holdings are included, so actual duplication is probably higher. This matters because when the same big names appear in several funds, portfolio outcomes lean heavily on how those companies perform. The upside is strong participation in market leaders; the trade-off is that a rough patch in a handful of big tech names could weigh more on returns than the high-level fund list suggests.
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 neutral across value, size, momentum, and quality, which means the portfolio behaves a lot like the overall market on those dimensions. Factor investing targets characteristics like value (cheap vs. expensive) or momentum (recent winners) that research links to returns. The notable tilts here are a high exposure to low volatility and a low exposure to yield. A stronger low-vol tilt can help soften the bumps in rough markets, in line with the balanced risk rating. The lower yield tilt means the focus is more on price growth than on income. This suits investors more interested in total return than in maximizing dividends today.
Risk contribution
-
FIDELITY ZERO INTERNATIONAL INDEX FUND
Weight: 61.85% 59.7% -
Invesco NASDAQ 100 ETF
Weight: 14.95% 19.6% -
Invesco PHLX Semiconductor ETF
Weight: 9.48% 19.3% -
FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 13.59% 1.2% -
FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 0.13% 0.1%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The international index fund is about 62% of the portfolio and contributes roughly 60% of the risk, so its effect is pretty proportional. The big story is the two Invesco ETFs: together they are about 24% of the weight but nearly 39% of the risk, with the semiconductor ETF especially punchy. Meanwhile, the bond fund is 14% of the allocation yet adds barely more than 1% of risk. That’s textbook: a small bond sleeve taming volatility. If the goal is steadier behavior, trimming particularly high risk/weight positions is one lever to consider.
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 risk‑return chart, the current portfolio sits below the efficient frontier by about 1.36 percentage points at its risk level. The efficient frontier shows the best expected return for each level of volatility using just these existing holdings in different weights. The Sharpe ratio, which measures return per unit of risk, is 0.32 now, while the max‑Sharpe mix hits 0.67 at much higher risk. This suggests there’s room to tweak weights to get more expected return for the same volatility or similar return with less volatility, without adding new funds. Even so, the current setup is reasonably efficient and broadly aligned with a balanced profile.
Dividends
- FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.10%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.60%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
- Invesco NASDAQ 100 ETF 0.50%
- Invesco PHLX Semiconductor ETF 0.50%
- Weighted yield (per year) 2.15%
The overall yield of about 2.15% reflects a blend of a decent bond yield (around 3.1%) and moderate stock yields, with the growth ETFs sitting near 0.5%. Dividend yield is simply the cash paid out each year as a percentage of the investment’s price, and it can meaningfully support total returns over time, especially when reinvested. This setup leans slightly toward growth over income, which makes sense given the tech exposure and international focus. For someone not relying on the portfolio to cover living expenses right now, a modest yield paired with growth potential is perfectly reasonable and keeps tax drag from income distributions relatively contained.
Ongoing product costs
- FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
- Invesco NASDAQ 100 ETF 0.15%
- Invesco PHLX Semiconductor ETF 0.19%
- Weighted costs total (per year) 0.04%
Costs are a real bright spot. The total expense ratio across the funds is about 0.04%, which is extremely low by any standard. Since fees are taken out every year regardless of performance, keeping them minimal allows more of the portfolio’s return to stay compounding for the investor. In practice, this cost level is well below many actively managed options and even lower than plenty of other index products. The costs are impressively low, supporting better long‑term performance and giving plenty of flexibility to stay invested through market cycles without worrying that fees are meaningfully eroding outcomes in the background.
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