This portfolio has only about 8 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it Roast mode 🔥

Hyperactive growth machine with duplicated US bets and one expensive fund driving the drama

Report created on May 7, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio looks like someone started with a clean three‑fund core and then panic‑added “just one more” idea about fifteen times. Almost half the risk comes from a single aggressive growth fund plus two broad vanilla funds, while the rest is a scatter of tiny satellites pretending to be diversification. It’s diversified in the same way a closet is “organized” if everything ends up on the same hanger. With only about eight months of history, any pattern in this mix is basically a screenshot of short‑term mood swings, not a long‑term personality. The structure screams “US stock fund with accessories,” even if the accessories occasionally jingle.

Growth Info

The recent performance is cartoonish: turning $1,000 into $1,166 in eight months with a 176.9% annualized return. That’s not a steady track record; that’s catching a wave and assuming the ocean works for you now. CAGR (compound annual growth rate) is just the smoothed‑out speedometer, and here it’s wildly inflated by a short, hot streak. Max drawdown at only -5.3% looks gentle, and beating both US and global markets sounds heroic, but over this tiny window it’s mostly luck plus a growthy, quality tilt that happened to be in favor. Treat this period like favorable weather, not proof you control the climate.

Projection Info

The Monte Carlo projection is trying very hard to sound scientific about a portfolio with the attention span of eight months. Monte Carlo basically re‑rolls past returns thousands of times to imagine future paths — like remixing a short song and pretending you’ve heard the artist’s entire discography. Median 15‑year value around $2,623 on $1,000 and a 75% chance of ending positive is fine on paper, but it’s all built on a tiny and unusually strong performance sample. Past data is like yesterday’s weather: useful to pack an umbrella, not to design your house on a floodplain. The spread of outcomes is the real point: this thing can still swing.

Asset classes Info

  • Stocks
    83%
  • Bonds
    13%
  • Other
    2%
  • Real Estate
    2%
  • Cash
    1%

Asset‑class‑wise, this is 83% stocks wearing a thin 13% bond jacket, with real estate and “other” basically thrown in for show. That’s a classic growth tilt: plenty of upside, but not exactly a “sleep well in a storm” structure. The bonds are mostly plain vanilla, with a small spice of high yield and TIPS, but they’re nowhere near big enough to stop a proper equity selloff from stinging. Think of the bonds here as a seat cushion on a roller coaster — better than bare metal, sure, but nobody’s calling it protection. For a “growth” label, the aggression level absolutely matches the branding.

Sectors Info

  • Technology
    25%
  • Financials
    12%
  • Health Care
    9%
  • Industrials
    8%
  • Telecommunications
    7%
  • Consumer Discretionary
    5%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Real Estate
    3%
  • Consumer Discretionary
    3%
  • Utilities
    2%
  • Cash
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is basically “technology and friends.” Tech at 25% is clearly the main character, with financials, health care, and industrials playing support roles and everyone else sharing the crumbs. There’s even a sector duplication bonus: small direct slices into energy, materials, financials, and tech on top of broad funds that already hold them. That’s like ordering a combo meal then adding extra fries, extra bun, same burger. It amps up tracking of the same themes instead of truly balancing them. If a tech‑led rally keeps going, this looks sharp; if it doesn’t, this is a very specific bet wearing a “diversified” nametag.

Regions Info

  • North America
    71%
  • No data
    11%
  • Europe Developed
    7%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Cash
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this thing is firmly “USA first, everyone else maybe later.” North America at 71% dominates, with the rest of the world getting pocket change allocations. Developed ex‑US is there, emerging markets are there, but they clearly live in the guest room. For a US‑based portfolio that’s not shocking, but it is a pretty loud home bias — like insisting global cuisine means three versions of burgers and one sushi roll. It will move heavily with US market moods, which is great when the US is winning and less great when it isn’t. The 11% “no data” slice just adds an extra shrug.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    23%
  • Mid-cap
    17%
  • Small-cap
    8%
  • Micro-cap
    2%
  • No data
    1%

This breakdown covers the equity portion of your portfolio only.

The market‑cap mix is mostly mega and large caps, with mid caps showing up respectably and small/micro caps sprinkled like seasoning. That’s a very index‑like profile with a slight nod to the middle and smaller end — nothing extreme, but nothing bold either. It’s basically saying, “I want the big names, but fine, throw in some scrappy up‑and‑comers.” Because the big stuff dominates, performance will largely be driven by the large familiar giants, not the tiny lottery tickets. That keeps behavior closer to standard benchmarks, though with all the overlapping US large‑cap funds, it’s more copy‑pasting than clever design.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.64%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • NVIDIA Corporation
    0.45%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Top 20 U.S. Stocks ETF
  • Apple Inc
    0.38%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
    • iShares Top 20 U.S. Stocks ETF
  • Vanguard REIT II Index Fund Institutional Plus Shares
    0.22%
    Part of fund(s):
    • Vanguard Real Estate Index Fund ETF Shares
  • Exxon Mobil Corp
    0.21%
    Part of fund(s):
    • Fidelity® MSCI Energy Index ETF
  • Microsoft Corporation
    0.21%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Top 20 U.S. Stocks ETF
  • Samsung Electronics Co Ltd
    0.19%
    Part of fund(s):
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
  • Chevron Corp
    0.19%
    Part of fund(s):
    • Fidelity® MSCI Energy Index ETF
    • Schwab U.S. Dividend Equity ETF
  • Tencent Holdings Ltd
    0.18%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • Novartis AG
    0.18%
    Part of fund(s):
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard International Dividend Appreciation Index Fund ETF Shares
  • Top 10 total 2.83%

This breakdown covers the equity portion of your portfolio only.

The look‑through data barely scratches 9% of the portfolio, but even in that small slice the usual suspects show up: Taiwan Semi, NVIDIA, Apple, Microsoft — the standard “index celebrity” crowd. That’s the problem with stacking broad US and developed‑market funds: you keep re‑buying the same stars and calling it diversification. Overlap is clearly understated here because we only see ETF top‑10s, and the big active growth fund is a total black box in this view. So even though the numbers look tiny, the pattern is obvious: beneath the surface this is a “buy the global megacap tech royalty twice and three times” portfolio.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 39%
Size
Exposure to smaller companies
Low
Data availability: 49%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 26%
Quality
Preference for financially healthy companies
Very high
Data availability: 3%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 36%

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.

The factor profile is loudly saying “high quality momentum with training wheels.” Quality at 85% (very high) plus momentum at 75% (high) means this portfolio chases strong, stable winners — like only dating people with great resumes and recent promotions. Low volatility at 70% adds a surprisingly cautious twist: it’s leaning into smoother names, not meme rockets. Value sits neutral, size is tilted toward larger companies, and yield is low, so income isn’t the story. This combo tends to behave well in normal and mild‑stress markets, but when momentum reverses, both the “pricey but high quality” and “recent winner” bets can stumble together. Again, only eight months of data — this factor snapshot is still first‑date level.

Risk contribution Info

  • FIDELITY GROWTH COMPANY FUND FIDELITY GROWTH COMPANY FUND
    Weight: 24.00%
    32.4%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 10.00%
    15.6%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 12.00%
    11.8%
  • Fidelity 500 Index Fund
    Weight: 15.00%
    11.5%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    Weight: 5.00%
    5.5%
  • Top 5 risk contribution 76.8%

Risk contribution is where the real power dynamics show: that 24% growth fund is doing 32% of the risk lifting. It’s the loud drummer in what looks like a big band. Add the 10% developed markets ETF and 12% value index, and the top three positions drive almost 60% of total portfolio risk. Risk contribution is basically asking, “Who’s actually shaking the portfolio?” — and it’s clearly not the cute 1% satellite ETFs. This setup means any mood swing in that big growth sleeve or developed ex‑US block ripples through everything. The portfolio looks diversified but behaves like a concentrated bet with decor around the edges.

Redundant positions Info

  • iShares Top 20 U.S. Stocks ETF
    FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Vanguard S&P Mid-Cap 400 Index Fund ETF Shares
    Fidelity 500 Index Fund
    Vanguard Total Stock Market Index Fund ETF Shares
    FIDELITY GROWTH COMPANY FUND FIDELITY GROWTH COMPANY FUND
    Vanguard FTSE Emerging Markets Index Fund ETF Shares
    High correlation
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Fidelity® MSCI Health Care Index ETF
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation

Correlation here is a greatest‑hits list of “you bought the same thing twice.” The growth fund, S&P 500 index, total market index, and top‑20 US stocks ETF are all moving almost in lockstep. That’s like backing up your files to three drives that live in the same drawer — looks redundant until there’s a fire. High correlation means that when one zigzags, the others mostly do the same, especially in a crash. The small/mid‑cap funds also dance closely with the big US funds, so they’re not breaking the pattern much. This isn’t diversification; it’s a chorus of voices all singing the same song in different costumes.

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 is basically roasting this portfolio for leaving performance on the table with the same ingredients. A Sharpe ratio of 3.68 sounds great until you see an optimized version using only these holdings hits 5.14 with lower risk. That means, within this exact menu, the weights are kind of clumsy — like making a salty soup when the recipe already sat next to you. Being 37 percentage points below the frontier at this risk level is a loud “this could be cleaner” message. The minimum‑variance corner going mathematically insane (negative megasharpe) just underlines that zero‑risk plus a 4% risk‑free assumption breaks the math more than it enlightens anyone.

Dividends Info

  • Vanguard Total International Bond Index Fund ETF Shares 4.50%
  • FIDELITY GROWTH COMPANY FUND FIDELITY GROWTH COMPANY FUND 4.20%
  • Fidelity® MSCI Energy Index ETF 2.50%
  • Fidelity® MSCI Health Care Index ETF 1.40%
  • FIDELITY INFLATION-PROTECTED BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.80%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.40%
  • Fidelity® MSCI Materials Index ETF 1.40%
  • Fidelity® MSCI Financials Index ETF 1.70%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.90%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Fidelity 500 Index Fund 1.10%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.40%
  • Vanguard S&P Mid-Cap 400 Index Fund ETF Shares 1.20%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • iShares Broad USD High Yield Corporate Bond ETF 6.90%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.60%
  • Vanguard U.S. Quality Factor 1.10%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 2.10%
  • Vanguard Real Estate Index Fund ETF Shares 3.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.40%
  • iShares Top 20 U.S. Stocks ETF 0.40%
  • Fidelity® Government Money Market Fund 2.30%
  • Weighted yield (per year) 2.56%

A 2.56% total yield is a side dish, not the main course. Most of the heavy lifting isn’t from dividends; it’s from price movement, especially out of that growth fund and high‑momentum equity tilt. The bond slice and a couple of dividend‑focused ETFs throw off decent income — high yield corporates especially — but on a small allocation that’s like having a strong espresso in a bucket of water. Dividend yield numbers look neat, but they don’t say whether total return will behave nicely. For a “growth” portfolio, the income profile is exactly what it looks like: a modest background bonus, not a defining feature.

Ongoing product costs Info

  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • FIDELITY GROWTH COMPANY FUND FIDELITY GROWTH COMPANY FUND 0.69%
  • Fidelity® MSCI Energy Index ETF 0.08%
  • Fidelity® MSCI Health Care Index ETF 0.08%
  • FIDELITY INFLATION-PROTECTED BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.05%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • Fidelity® MSCI Materials Index ETF 0.08%
  • Fidelity® MSCI Financials Index ETF 0.08%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Fidelity 500 Index Fund 0.02%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • iShares Gold Trust 0.25%
  • Vanguard S&P Mid-Cap 400 Index Fund ETF Shares 0.10%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares Broad USD High Yield Corporate Bond ETF 0.08%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard U.S. Quality Factor 0.13%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 0.15%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.21%

Costs are mostly impressively low, which makes the 0.69% growth fund stick out like it showed up overdressed to a casual barbecue. Total TER around 0.21% is solid; the cheap index funds and ETFs clearly carry most of the weight. But nearly a quarter of the portfolio sits in a fund that charges several times the rest, so that one position is hogging the fee budget along with the risk budget. Think of it as paying business‑class prices on one leg of a journey when every other segment is in coach on sale. The fee drag isn’t disastrous, but it’s very focused.

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