Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

A high growth semiconductor tilted portfolio with strong yield and above average volatility risk

Report created on Jan 27, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is heavily tilted toward growth stocks with a big thematic bet on semiconductors and large US companies. Around 96% is in stocks, with only a small cash buffer and no bonds. Compared to a broad “core” benchmark that might mix stocks and bonds, this setup is much more aggressive and more concentrated in one industry. That structure amplifies both upside and downside moves. To keep this style on track, it can help to treat the semiconductor sleeve as a deliberate “satellite” around a more balanced core and regularly check whether that 30% weight still fits your comfort with big swings.

Growth Info

Historically, the numbers look very strong: a compound annual growth rate (CAGR) of about 29% is extremely high. CAGR is just the average yearly growth, like your long‑term “cruising speed.” But the max drawdown of roughly –35% shows that the ride has been rough at times. That means a $100k starting amount could have fallen toward $65k in bad stretches before recovering. This profile fits a growth setup: powerful gains, but with deep pullbacks. It can be useful to ask whether you’d stay invested through similar drops in the future, and if not, consider dialing back risk ahead of time.

Projection Info

The Monte Carlo analysis projects future possibilities by mixing and reshuffling historical return and volatility patterns thousands of times. It doesn’t “predict” the future; it just shows a range of plausible outcomes if markets behave roughly like the past. Here, every one of the 1,000 simulations was positive, with a median outcome above 2,700% over the full horizon and an average simulated return near 30% annually. That’s impressive, but also heavily driven by an unusually strong past period. Treat these results as a rough map, not a promise, and remember that changes in interest rates, regulations, or technology cycles could alter the path.

Asset classes Info

  • Stocks
    96%
  • Cash
    4%

Almost everything here is in equities, with 96% in stocks, about 4% in cash, and essentially no bonds or alternative assets. Equities are the main growth engine in long‑term investing, but they can be very bumpy over shorter periods. Many broad benchmarks hold at least some bonds to smooth the ride, especially for investors closer to needing their money. This allocation is well aligned with a growth‑oriented profile and long time horizon. If your timeline or comfort level ever shifts toward preserving capital rather than maximizing growth, slowly adding a slice of more defensive assets could help reduce big drawdowns.

Sectors Info

  • Technology
    45%
  • Financials
    17%
  • Industrials
    10%
  • Telecommunications
    6%
  • Health Care
    5%
  • Energy
    4%
  • Consumer Staples
    4%
  • Consumer Discretionary
    3%
  • Basic Materials
    3%
  • Utilities
    1%
  • Real Estate
    1%

Sector‑wise, the portfolio leans hard into technology at about 45%, largely due to the semiconductor fund, while still spreading the rest across financials, industrials, communication services, healthcare, energy, and consumer areas. This tilt can turbocharge returns when tech and chips are in favor but can sting during rate hikes, regulation scares, or down cycles in the semiconductor industry. The good news is that exposure to nine sectors shows some breadth and avoids being a one‑sector bet. Keeping an eye on whether tech persists near half the portfolio, and trimming slowly if it creeps higher, can help keep risk from becoming lopsided.

Regions Info

  • North America
    71%
  • Europe Developed
    21%
  • Japan
    5%
  • Asia Emerging
    1%
  • Asia Developed
    1%

Geographically, the portfolio is anchored in North America at about 71%, with meaningful exposure to developed Europe and a smaller slice in Japan. That pattern is fairly close to many global benchmarks, where US and developed markets dominate, so it aligns well with common diversification practices. Limited emerging markets exposure reduces currency and political risk but also limits potential upside from faster‑growing regions. If you want to lean into global breadth over time, gradually nudging more into a broader international mix can help, but it’s also perfectly reasonable to keep a home‑biased stance if you prefer familiar markets and reporting standards.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    34%
  • Mid-cap
    16%
  • Small-cap
    2%

By market cap, this setup is mostly mega and large companies, with about 79% in the biggest firms, moderate mid‑cap exposure, and very little in small caps. Large and mega caps tend to be more stable, better researched, and more liquid, which can help during stressed markets. However, they may sometimes grow slower than smaller, more nimble companies. This large‑cap tilt sits nicely with your mega‑cap and S&P‑focused funds, giving a solid “blue‑chip” backbone. If you ever want an extra growth kick and can handle more volatility, modestly increasing mid or small‑cap exposure could broaden the opportunity set without changing the core identity.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

From a risk‑return angle, this portfolio sits in a high‑return, high‑volatility zone, with a risk score of 5 out of 7 and moderate diversification. Using the Efficient Frontier concept—essentially a curve of the best possible risk‑return trade‑offs using only current holdings—there may be room to shift weights a bit and get similar expected return with lower swings. Efficiency here is purely about optimizing the ratio of risk to return, not necessarily maximizing diversification or income. For instance, slightly reducing the most volatile sleeve and reallocating toward broader, lower‑cost core funds could nudge the portfolio closer to that efficient mix without changing its growth identity.

Dividends Info

  • FIDELITY MEGA CAP STOCK FUND FIDELITY MEGA CAP STOCK FUND 6.70%
  • FIDELITY INTERNATIONAL VALUE FUND FIDELITY INTERNATIONAL VALUE FUND 2.20%
  • Fidelity Select Semiconductors Portfolio 14.30%
  • Fidelity 500 Index Fund 1.10%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Weighted yield (per year) 6.70%

Interestingly, the total projected yield sits around 6.7%, which is unusually high for a growth‑tilted stock portfolio. Dividend yield measures how much cash you receive each year as a percentage of your investment, like “rental income” from your shares. A strong yield can soften the impact of flat or choppy markets and is especially useful for anyone wanting current income. At the same time, very high yields sometimes signal special situations or cyclical sectors that may not be stable forever. It can help to confirm whether you’re prioritizing income, growth, or a mix, and ensure the payout profile matches that main objective.

Ongoing product costs Info

  • FIDELITY MEGA CAP STOCK FUND FIDELITY MEGA CAP STOCK FUND 0.58%
  • FIDELITY INTERNATIONAL VALUE FUND FIDELITY INTERNATIONAL VALUE FUND 0.80%
  • Fidelity Select Semiconductors Portfolio 0.62%
  • Fidelity 500 Index Fund 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.55%

With a total expense ratio (TER) around 0.55%, the overall cost level is reasonable for an actively tilted, fund‑heavy portfolio. TER is the ongoing annual fee taken by funds, and over decades even small differences can compound meaningfully. The index fund and ETF positions are impressively low‑cost and help pull the average down, while the active funds are more expensive but provide targeted tilts like semiconductors and international value. This balance between cost‑efficient core holdings and higher‑fee satellites is a solid structure. Periodically checking that each higher‑cost piece is still pulling its weight can keep long‑term drag under control.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey