Growth-oriented portfolio with strong tech and US market focus and diverse fund selection

Report created on Jul 24, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards mutual funds, with a significant emphasis on the Fidelity 500 Index Fund, comprising nearly 42% of the total. This allocation suggests a strong foundation in large-cap US equities. The inclusion of specialized funds like the T. Rowe Price Institutional Large-Cap Growth Fund and sector-specific stocks like NVIDIA Corporation indicates a tilt towards growth-oriented investments. The moderate diversification score reflects a blend of asset types and sectors, though it leans heavily towards stocks, with minimal cash holdings to buffer against market volatility.

Growth Info

Historically, the portfolio has demonstrated robust performance, with a Compound Annual Growth Rate (CAGR) of 17.66%. This high growth rate, coupled with a maximum drawdown of -20.78%, suggests the portfolio has navigated market fluctuations well, though it's not without risk. The days contributing to 90% of returns highlight the portfolio's susceptibility to significant market movements, underscoring the importance of understanding the volatility and risks associated with high-growth investments.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes, with a median increase of 1,074% and a high percentile (67th) showing even more optimistic growth. These projections, while based on historical data, underscore the portfolio's growth potential but also highlight the inherent uncertainty in investing. It's crucial to remember that such simulations are speculative tools, not guarantees, and should be one of many factors considered in investment decision-making.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's composition is almost entirely in stocks (99%), with a negligible cash position (1%). This allocation underscores a clear growth strategy but also indicates a higher risk level due to the lack of diversification across asset classes. While stocks have historically offered higher returns compared to bonds or cash, they also come with increased volatility, particularly in short to medium terms.

Sectors Info

  • Technology
    28%
  • Financials
    15%
  • Health Care
    11%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    3%
  • No data
    3%
  • Real Estate
    2%
  • Basic Materials
    2%

With technology (28%) and financial services (15%) leading the sectoral allocation, the portfolio is positioned to benefit from growth in these dynamic sectors. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or economic downturns affecting these industries more severely. Diversifying across more sectors could help mitigate these risks while still capturing growth opportunities.

Regions Info

  • North America
    88%
  • Europe Developed
    4%
  • No data
    3%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%
  • Latin America
    1%

The geographic allocation is heavily skewed towards North America (88%), with minimal exposure to international markets. This concentration in a single region, while potentially capitalizing on the robust US market, limits global diversification and exposure to emerging market growth opportunities. Expanding the international allocation could provide a buffer against regional economic downturns and tap into growth outside the US.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    26%
  • Mid-cap
    22%
  • Small-cap
    9%
  • No data
    3%
  • Micro-cap
    2%

The portfolio's exposure across market capitalizations is well-distributed among mega (36%), big (26%), and medium (22%) cap stocks, with a smaller allocation in small (9%) and micro (2%) caps. This distribution suggests a balance between the stability of large-cap companies and the growth potential of smaller caps. However, the focus remains on companies with larger market capitalizations, potentially missing out on the higher growth opportunities small-cap stocks may offer.

Redundant positions Info

  • Fidelity 500 Index Fund
    T. ROWE PRICE INSTITUTIONAL LARGE-CAP GROWTH FUND T. ROWE PRICE INSTITUTIONAL LARGE-CAP GROWTH FUND
    High correlation

The high correlation between the Fidelity 500 Index Fund and the T. Rowe Price Institutional Large-Cap Growth Fund indicates redundancy, limiting the portfolio's diversification benefits. Both are focused on large-cap US equities, suggesting an overlap in holdings that could be streamlined to improve diversification without significantly altering the portfolio's growth orientation.

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.

Optimizing the portfolio using the Efficient Frontier could help achieve a better risk-return ratio by adjusting the current asset allocation. This process involves identifying an optimal mix of assets that provides the highest expected return for a given level of risk. Before optimization, it's recommended to address the overlap in highly correlated assets, as their presence may skew the optimization process by overstating the portfolio's diversification.

Dividends Info

  • SMALL CAP VALUE FUND R6 CLASS 6.90%
  • Dodge & Cox International Stock Fund - Class X 1.90%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Fidelity 500 Index Fund 0.90%
  • MFS VALUE FUND R6 8.40%
  • MFS MID CAP VALUE FUND R6 10.50%
  • MFS MID CAP GROWTH FUND R6 6.50%
  • T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND-I CLASS 7.80%
  • T. ROWE PRICE INSTITUTIONAL LARGE-CAP GROWTH FUND T. ROWE PRICE INSTITUTIONAL LARGE-CAP GROWTH FUND 4.50%
  • Weighted yield (per year) 3.74%

The portfolio's dividend yield averages to 3.74%, with certain funds offering significantly higher yields, such as the MFS Mid Cap Value Fund R6 at 10.50%. While dividends contribute to total return, the focus on growth-oriented funds and stocks means dividend income is not the primary goal. Investors should consider the balance between seeking high growth and generating income through dividends, depending on their financial goals and needs.

Ongoing product costs Info

  • SMALL CAP VALUE FUND R6 CLASS 0.74%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Fidelity 500 Index Fund 0.02%
  • MFS VALUE FUND R6 0.44%
  • MFS MID CAP VALUE FUND R6 0.62%
  • MFS MID CAP GROWTH FUND R6 0.66%
  • T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND-I CLASS 0.65%
  • T. ROWE PRICE INSTITUTIONAL LARGE-CAP GROWTH FUND T. ROWE PRICE INSTITUTIONAL LARGE-CAP GROWTH FUND 0.55%
  • Weighted costs total (per year) 0.27%

The Total Expense Ratio (TER) averages to 0.27%, with a range from 0.02% for the Fidelity 500 Index Fund to 0.74% for the Small Cap Value Fund R6 Class. While the overall costs are relatively low, especially for the index funds, investors should remain mindful of the impact of higher fees on long-term returns, particularly in actively managed funds where higher fees are common.

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