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A highly diversified portfolio that's like a buffet with too many flavors but no real theme

Report created on Jul 19, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

Your portfolio composition is like someone trying to wear every fashion trend at once. You've got a heavy lean on the Fidelity Zero Large Cap Index Fund, making it look like you're playing it safe with the big boys, but then there's this wild sprinkle of everything from international small caps to emerging markets. It's like you're trying to bake a cake with every ingredient in the pantry. Sure, diversity is the spice of life, but this is more like a spice explosion in a kitchen where nobody knows what they're cooking.

Growth Info

The historic performance showing a CAGR of 12.51% is like that friend who occasionally has brilliant ideas but often ends up just being lucky. A max drawdown of -31.64% is a reminder of that one night out that went a bit too far. It's great when the sun shines, but when the storm hits, you're left wondering why you didn't just stay home. The days that make up 90% of the returns being only 16.0 is like winning the lottery on those days but forgetting you played and lost on many more.

Projection Info

Monte Carlo simulations are your financial crystal ball, but remember, they're more art than science. Your simulations suggest a sunny outlook in the median, but the range from -10.1% to over 300% feels like predicting weather in the Midwest: wait five minutes, and it'll change. Banking on the 50th percentile is like planning a picnic with a 50% chance of rain — hope for the best but maybe pack an umbrella.

Asset classes Info

  • Stocks
    89%
  • Bonds
    10%
  • Cash
    1%

With 89% in stocks, your portfolio is like a car with the gas pedal stuck to the floor — great for speed but terrifying in a sharp turn. The 10% in bonds is like having a tiny brake pedal, and the 1% in cash? That's just the loose change under the seat. It's a high-octane ride, but one pothole could turn things ugly. Diversification across asset classes doesn't mean throwing everything into stocks and hoping for the best.

Sectors Info

  • Technology
    20%
  • Financials
    17%
  • Industrials
    10%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Discretionary
    7%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Energy
    4%
  • Consumer Discretionary
    3%
  • Utilities
    3%
  • Real Estate
    2%

Your sector allocation has a tech and financial services party going on, making up 37% of your portfolio. It's like being heavily invested in disco and bell-bottoms in the '70s — great at the time, but what about when the music stops? The underweight in sectors like real estate and utilities is like skipping the vegetables on your plate; it might not hurt now, but it's not a balanced diet.

Regions Info

  • North America
    56%
  • Europe Developed
    12%
  • No data
    10%
  • Asia Emerging
    6%
  • Japan
    5%
  • Asia Developed
    5%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Latin America
    2%

The geographic allocation is like having a world map where you think only North America and Europe exist. With 56% in North America and a timid adventure into emerging markets, it's like planning an exotic vacation but ending up at the same beach house every year. Diversification means exploring new territories, not just sticking to the familiar paths.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    24%
  • Mid-cap
    21%
  • Small-cap
    5%
  • Micro-cap
    3%

Your market cap spread is like believing only in giants and ignoring the little guys, with a heavy tilt towards mega and big caps. It's like only watching blockbuster movies and missing out on indie films — the big ones might bring in the crowds, but the smaller ones often have the most compelling stories. Remember, David did take down Goliath.

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.

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Your portfolio's risk vs. return optimization seems like it was done with a dartboard rather than a computer. Efficiency isn't about cramming every possible investment into your portfolio; it's about finding the sweet spot where each dollar is working as hard as it can without causing you sleepless nights. Let's aim for strategic planning over wishful thinking.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • WisdomTree Emerging Markets SmallCap Dividend Fund 2.70%
  • Franklin International Core Dividend Tilt Index ETF 3.80%
  • FIDELITY INFLATION-PROTECTED BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.80%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 4.10%
  • FIDELITY ZERO LARGE CAP INDEX FUND 1.00%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.20%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.50%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 2.20%
  • Weighted yield (per year) 2.04%

The dividend yield aspect of your portfolio is like finding loose change in the couch — it's nice to have, but you're not going to fund a vacation with it. A total yield of 2.04% is modest; it's clear you're not living off dividends but rather banking on growth. Just remember, growth can be as unpredictable as a cat's affection — here today, gone tomorrow.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • WisdomTree Emerging Markets SmallCap Dividend Fund 0.58%
  • Franklin International Core Dividend Tilt Index ETF 0.09%
  • FIDELITY INFLATION-PROTECTED BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.05%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 0.39%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.08%

Well, at least you're not throwing money out the window with high fees. An average TER of 0.08% is like finding a luxury car with economy fuel efficiency — rare and commendable. It's one of the few places where you're not letting enthusiasm overrule sensibility. Keep an eye on those costs; it's the small leaks that sink the big ships.

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