Growth focused stock portfolio with strong value tilt and meaningful cash buffer over a short data window
Report created on Jul 4, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 43.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
SP Fidelity® Government Money Market Fund
SPAXX - US31617H1023 17.00%
This portfolio is built mainly from broad stock index funds, with roughly four-fifths in equities and the rest in a government money market fund. The largest position tracks a wide US large-cap index, while a second big holding targets major US growth companies, and a third adds broad international stocks. This structure makes it a fairly simple, core-style equity mix with a single cash-like buffer. Because the data covers only about ten months, it mainly shows how this mix behaved in one specific market phase, not across full cycles. Still, the current structure suggests the portfolio leans toward long-term growth while keeping a modest portion in very low-volatility cash.
Growth
Over the roughly ten-month period, $1,000 in this portfolio grew to about $1,180, implying a very high annualized return (CAGR) of 67.35%. CAGR, or Compound Annual Growth Rate, is like average speed on a road trip: it smooths out ups and downs into one yearly figure. Max drawdown, the worst peak‑to‑trough drop, was a relatively mild -5.57%, recovering in about a month. The portfolio slightly beat the US market benchmark but lagged the global benchmark over this short span. With only five days driving 90% of gains and less than a year of data, these results say more about a strong market run than about long-term behavior.
Projection
The forward projection uses a Monte Carlo simulation, which runs 1,000 “what if” paths based on past returns and volatility. Think of it as replaying the last ten months’ pattern many different ways to see a range of possible 15‑year outcomes. The median scenario turns $1,000 into around $2,640, with a wide possible band from roughly $1,102 to $6,170. The average annual return across simulations is about 7.47%, and three-quarters of paths end positive. Because the historical window is only about ten months and unusually strong, these projections are much less reliable than they would be with many years of more typical data.
Asset classes
- Stocks 83%
- Cash 17%
Asset allocation is straightforward: about 83% in stocks and 17% in a government money market fund that behaves much like cash. This mix leans clearly toward growth assets, with a noticeable but not dominant stabilizing slice. Equity-heavy allocations tend to capture more market upside over time but can fluctuate more in the short term, while cash-like holdings dampen swings and provide dry powder. Compared with broad global equity benchmarks, the equity share is high, which matches the portfolio’s growth classification. It’s worth remembering that the observed mix of returns and volatility so far is based on a short, favorable period and may not reflect how this stock‑heavy structure behaves in tougher markets.
Sectors
- Technology 31%
- Cash 17%
- Financials 10%
- Telecommunications 8%
- Industrials 7%
- Health Care 6%
- Consumer Staples 4%
- Consumer Discretionary 4%
- Consumer Discretionary 4%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is led by technology at 31%, with financials, telecommunications, industrials, health care, and several smaller sectors rounding things out. The 17% money market fund shows up as “cash,” sitting outside the usual sector buckets. This mix is reasonably broad, but the tilt toward technology is notable compared with many global benchmarks where tech is significant but not quite this dominant. Tech‑heavy allocations often benefit strongly when growth themes and innovation are in favor but can feel sharper swings if interest rates rise or sentiment shifts away from high‑growth names. The range of other sectors helps offset that somewhat, though technology still acts as a key driver of equity behavior here.
Regions
- North America 64%
- Cash 17%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is anchored in North America at 64%, with additional exposure spread across developed Europe, Japan, other developed Asia, emerging Asia, Latin America, Africa/Middle East, and Australasia. This lines up with a US home bias, which is common for US‑based portfolios, while still including a meaningful international layer. Compared with a fully global equity benchmark, North America’s share here is higher, and non‑US regions are somewhat smaller. That means portfolio results are more tied to the US economy, currency, and corporate earnings trends. The international slice still adds diversification, but the picture of global balance is somewhat skewed toward one major region.
Market capitalization
- Mega-cap 40%
- Large-cap 28%
- Mid-cap 13%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans heavily into mega‑cap and large‑cap companies, which together make up about 68% of exposure. Mid‑caps add another 13%, while small‑caps are only 1%. Larger companies often provide more stability and liquidity, behaving somewhat like big cruise ships that are slower to turn but more stable in rough water. Smaller companies can be more agile and sometimes more volatile, contributing to both higher upside and deeper drawdowns at times. This tilt toward bigger firms aligns with many mainstream indices and helps reduce some of the extremes that can come with a heavy small‑cap focus, though it may also underrepresent the more dynamic end of the market.
True holdings
-
NV NVIDIA Corporation 1.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc. 1.42%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MU Micron Technology Inc 1.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 0.95%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 0.85%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.79%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AM Advanced Micro Devices Inc 0.72%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 0.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 0.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
GO Alphabet Inc Class C 0.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 9.32%
This breakdown covers the equity portion of your portfolio only.
Looking through to the top holdings inside the ETFs, several big names repeat, including NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Tesla. These overlapping positions appear in multiple funds, creating a layer of hidden concentration even though the portfolio holds only broad index products. For example, NVIDIA alone totals about 1.63% of the portfolio across funds, and several other large tech and semiconductor names add to this cluster. Only ETF top‑10 holdings are captured, and coverage is about 12% of portfolio value, so true overlap is likely higher. This means that, in practice, a handful of large growth stocks have an outsized influence on how the equity portion behaves.
Factors
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.
Factor exposure shows a very high tilt toward value (85%) and a very low tilt toward size (15%), with high momentum and high low‑volatility readings, and low yield. In factor terms, value means favoring stocks that look cheaper relative to fundamentals; size here points away from smaller companies toward larger ones. Factor exposure is like a flavor profile in cooking: this portfolio leans strongly toward “cheap but larger” companies, with an added boost from recent winners (momentum) and relatively steadier names (low volatility). Over decades, these traits have behaved differently across cycles. With only about ten months of history, the current factor picture mainly reflects this particular market backdrop rather than long‑proven patterns in this specific portfolio.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 43.00% 40.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 31.6% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 25.6% -
Fidelity® Government Money Market Fund
Weight: 17.00% 2.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the three stock funds, totaling 83% of capital, contribute roughly 97.5% of risk, while the 17% money market fund adds only about 2.5%. Notably, the international stock ETF is 20% by weight but about 31.6% of risk, meaning each dollar there adds more volatility than the average dollar in the portfolio. The Nasdaq‑focused ETF also contributes more risk per unit of weight. This pattern is common: more concentrated or growth‑tilted funds tend to punch above their size in risk terms, while cash‑like holdings soften overall volatility.
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 risk vs. return chart plots this portfolio against an efficient frontier built from the same holdings. The current mix has a Sharpe ratio of 2.58, while the maximum Sharpe portfolio reaches 2.95 and the minimum‑variance mix sits at 1.51. The Sharpe ratio measures risk‑adjusted return, comparing extra return over a risk‑free rate to volatility, like judging how much “payoff” you get per unit of bumpiness. At its current risk level, the portfolio sits about 4.6 percentage points below the efficient frontier, meaning a different weighting of these same four funds could, in theory, deliver better risk‑return trade‑offs. Because this optimization is based on less than a year of unusually strong data, the apparent gap may not be stable over time.
Dividends
- Fidelity 500 Index Fund 1.00%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Fidelity® Government Money Market Fund 2.90%
- Weighted yield (per year) 1.52%
The overall dividend yield is about 1.52%, with variation across holdings: the international stock ETF yields around 2.60%, the S&P 500 index fund about 1.00%, the Nasdaq ETF 0.40%, and the money market fund about 2.90%. Dividend yield is the cash income paid out each year as a percentage of price, separate from price gains. In this mix, most of the expected return is from potential growth rather than income, which fits with the equity‑heavy structure and tech tilt. The relatively higher yields from international stocks and the money market piece help smooth total return a bit, but this portfolio’s story is still more about capital appreciation than steady cash payouts.
Ongoing product costs
- Fidelity 500 Index Fund 0.02%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Fidelity® Government Money Market Fund 0.42%
- Weighted costs total (per year) 0.12%
Costs are low overall, with a blended total expense ratio (TER) of about 0.12%. TER is the annual fee charged by funds as a percentage of assets, quietly deducted inside the fund rather than billed separately. Three of the four holdings are especially cost‑efficient, charging between 0.02% and 0.15%, while the money market fund is higher at 0.42% but still modest in absolute terms. Low costs help more of any gross return reach the investor, and over many years this difference can compound meaningfully. Given that long-term returns are uncertain—especially with only ten months of history—keeping the fee drag small is one of the few reliably helpful structural features visible in this portfolio.
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