A growth-focused portfolio with high exposure to technology and global equities

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is primarily composed of two major index funds, covering both the total market and international equities, alongside targeted investments in the semiconductor and large-cap growth sectors. The Fidelity Total Market Index Fund forms the backbone with over 60% allocation, ensuring broad exposure to the U.S. market. The inclusion of the Fidelity Total International Index Fund with nearly a quarter of the portfolio's weight adds significant global diversification. The targeted allocations in the VanEck Semiconductor ETF and Schwab U.S. Large-Cap Growth ETF introduce a strategic tilt towards high-growth areas, particularly in technology.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 15.40%, with a maximum drawdown of -33.92%. These figures suggest a strong performance trajectory, albeit with significant volatility, as indicated by the drawdown. The days contributing to 90% of returns being concentrated in just 33 days highlights the portfolio's reliance on short, sharp gains, typical of growth-oriented investments. This performance should be benchmarked against similar growth profiles to assess relative success.

Projection Info

Using Monte Carlo simulations, the forward projection offers a wide range of outcomes, from a 133% increase at the 5th percentile to a substantial 1,471.8% at the 67th percentile, with an annualized return of 21.06% across all simulations. While these projections are based on historical data, they underscore the portfolio's potential for high returns. However, it's important to remember that Monte Carlo simulations are hypothetical and cannot predict future market conditions with certainty.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset class distribution is heavily skewed towards stocks (99%), with a minimal cash holding (1%). This allocation aligns with its growth profile but comes with higher volatility and risk. A more balanced asset class allocation could provide better risk-adjusted returns, especially during market downturns.

Sectors Info

  • Technology
    34%
  • Financials
    15%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%
  • Consumer Discretionary
    1%

Sector allocation emphasizes technology (34%), financial services (15%), and industrials (9%), among others. This concentration in technology and growth sectors is consistent with the portfolio's growth orientation but may increase susceptibility to sector-specific risks. Diversifying into underrepresented sectors could mitigate this risk while still allowing for growth opportunities.

Regions Info

  • North America
    75%
  • Europe Developed
    11%
  • Asia Developed
    4%
  • Japan
    4%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is heavily weighted towards North America (75%), with meaningful exposure to developed Europe (11%) and Asia. While this provides a solid foundation in stable, developed markets, the relatively low exposure to emerging markets may limit potential growth opportunities in high-growth regions. Increasing exposure to emerging markets could enhance diversification and growth prospects.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    32%
  • Mid-cap
    17%
  • Small-cap
    5%
  • Micro-cap
    1%

The market capitalization breakdown reveals a focus on mega (44%) and big (32%) cap stocks, which is typical for growth-oriented portfolios seeking stability and growth in established companies. However, the lower allocation to small (5%) and micro (1%) cap stocks suggests a missed opportunity for higher growth potential, albeit with increased 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.

Considering the Efficient Frontier, this portfolio appears to be positioned for high returns but could benefit from further optimization to improve the risk-return ratio. Adjusting allocations among the existing assets could potentially achieve a more efficient balance, enhancing returns for the given level of risk.

Dividends Info

  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • Weighted yield (per year) 1.29%

The portfolio's overall dividend yield stands at 1.29%, which is modest but not unexpected for a growth-focused strategy. While dividends are not the primary objective, increasing exposure to higher-yielding assets could provide a more balanced income-growth approach, contributing to total returns during various market conditions.

Ongoing product costs Info

  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.06%

With an average Total Expense Ratio (TER) of 0.06%, the portfolio is efficiently managed cost-wise. This low-cost structure is commendable, as it preserves returns over the long term. Keeping costs low is crucial in maximizing investment growth, especially in a growth-oriented portfolio.

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