A growth-focused portfolio with high exposure to technology and large-cap stocks

Report created on Sep 19, 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 predominantly invested in equities, with a significant portion allocated to the Fidelity 500 Index Fund and the Fidelity Select Semiconductors Portfolio, indicating a strong tilt towards technology and large-cap stocks. The inclusion of the Fidelity® Government Money Market Fund adds a small degree of liquidity and safety. The heavy weighting towards a single sector and large-cap stocks suggests a growth-oriented strategy with a higher risk tolerance, albeit with limited diversification across asset classes and sectors.

Growth Info

Historically, this portfolio has exhibited a Compound Annual Growth Rate (CAGR) of 21.00%, with a maximum drawdown of -36.91%. This indicates a strong performance, though the significant drawdown highlights the potential volatility and risk associated with a growth-focused strategy. The days contributing most to returns are relatively few, suggesting that timing the market plays a significant role in achieving these returns, which can be challenging for most investors to replicate consistently.

Projection Info

Using Monte Carlo simulations, which project future performance based on historical data, the portfolio shows a wide range of outcomes. While the majority of simulations result in positive returns, the variability between the 5th and 67th percentiles underscores the risk and uncertainty inherent in this investment strategy. It's important to note that these projections are hypothetical and that past performance is not indicative of future results.

Asset classes Info

  • Stocks
    94%
  • No data
    5%

With 94% of the portfolio allocated to stocks, the portfolio is heavily skewed towards equities, reflecting a growth-oriented investment strategy. The lack of bonds or other fixed-income securities means there's little to cushion the portfolio against stock market volatility. Diversifying into additional asset classes could help manage risk and reduce volatility without necessarily compromising long-term growth potential.

Sectors Info

  • Technology
    56%
  • Financials
    8%
  • Consumer Discretionary
    6%
  • Health Care
    6%
  • Telecommunications
    6%
  • No data
    5%
  • Industrials
    5%
  • Consumer Staples
    3%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%
  • Basic Materials
    1%

The technology sector dominates this portfolio, comprising 56% of the allocation. While this sector can offer significant growth opportunities, it also comes with higher volatility, especially during market downturns or interest rate hikes. The portfolio's exposure to a range of other sectors, though smaller, helps provide some balance, but the heavy concentration in technology suggests a higher risk profile.

Regions Info

  • North America
    88%
  • No data
    5%
  • Europe Developed
    3%
  • Asia Developed
    2%
  • Asia Emerging
    1%

With 88% of assets allocated to North America, the portfolio has a strong domestic focus. This concentration in a single geographic region can expose the portfolio to region-specific risks and may limit opportunities for global diversification. Expanding the geographic allocation to include a broader mix of developed and emerging markets could potentially enhance returns and reduce risk over the long term.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    27%
  • Mid-cap
    20%
  • No data
    5%
  • Small-cap
    2%

The portfolio's allocation leans heavily towards mega and large-cap stocks, which are generally considered to be less volatile than their smaller counterparts. This bias towards larger companies is consistent with the portfolio's growth orientation but may limit exposure to the potentially higher growth rates of smaller, emerging companies.

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 portfolio's current composition and performance, there may be opportunities to optimize the risk-return profile through diversification across more asset classes and sectors. While the Efficient Frontier suggests this portfolio is positioned for growth, incorporating assets with lower correlation and different risk-return characteristics could potentially achieve a more efficient balance.

Dividends Info

  • Fidelity Select Semiconductors Portfolio 6.60%
  • Fidelity 500 Index Fund 1.10%
  • Fidelity® Government Money Market Fund 3.10%
  • Weighted yield (per year) 3.19%

The overall dividend yield of the portfolio stands at 3.19%, with the Fidelity Select Semiconductors Portfolio offering a notably high yield. Dividends can provide a steady income stream and contribute to total returns, particularly in volatile or declining markets. However, the focus should remain on the balance between income generation and growth potential to align with the investor's long-term objectives.

Ongoing product costs Info

  • Fidelity Select Semiconductors Portfolio 0.62%
  • Fidelity 500 Index Fund 0.02%
  • Weighted costs total (per year) 0.24%

The portfolio's total expense ratio (TER) of 0.24% is relatively low, which is beneficial for long-term growth as costs can significantly erode returns over time. The Fidelity 500 Index Fund, in particular, has a very low cost, which is typical for index funds and contributes positively to the portfolio's cost efficiency.

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