Balanced growth-focused portfolio with a strong emphasis on stocks across various market caps

Report created on Aug 2, 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 predominantly consists of equity funds, with a 60% allocation to a large-cap index fund, complemented by international, small-cap, and mid-cap growth funds. This composition indicates a growth-oriented strategy with a moderate level of diversification across market capitalizations and regions. The heavy weighting towards a large-cap index suggests a foundational preference for stability and lower volatility, typical of large-cap stocks, while the allocations to small and mid-cap funds introduce higher growth potential albeit with increased risk.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.75%, with a significant maximum drawdown of -33.80%. These figures highlight the portfolio's growth potential alongside its susceptibility to market volatility. The days contributing most to returns indicate that a small number of high-performing days have driven a substantial portion of the portfolio's gains, a characteristic feature of growth-focused investments. Comparing this performance to relevant benchmarks would provide further insight into its relative success.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of potential outcomes, suggest a wide variance in future performance, with the 50th percentile projecting a 281.5% increase. However, the 5th percentile indicates a potential decline, underscoring the inherent risks. It's important to note that while these simulations can offer valuable foresight, they cannot guarantee future results due to the unpredictable nature of markets.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks reflects a high-risk, high-reward strategy, aligning with the growth profile. While this focus on equities can offer significant returns, especially in bullish markets, it lacks the risk mitigation benefits that fixed-income or alternative assets might provide. Incorporating a broader range of asset classes could enhance diversification and reduce overall volatility.

Sectors Info

  • Technology
    27%
  • Industrials
    15%
  • Financials
    14%
  • Health Care
    11%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

With technology, industrials, and financial services constituting over half of the sectoral allocation, the portfolio is well-positioned to capitalize on growth opportunities in these dynamic sectors. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or economic downturns in these industries. Balancing with more defensive sectors could offer protection during market downturns.

Regions Info

  • North America
    84%
  • Europe Developed
    13%
  • Japan
    2%

The geographic allocation heavily favors North America, with a significant underrepresentation of emerging markets and other developed regions. This concentration benefits from the stability and growth of the North American market but limits exposure to potential high-growth opportunities in emerging economies. A more globally diversified approach might reduce region-specific risks and tap into global growth trends.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    29%
  • Mid-cap
    21%
  • Small-cap
    8%
  • Micro-cap
    4%

The diversification across mega, big, medium, small, and micro-cap stocks is commendable, as it spreads risk and potential for reward across companies of different sizes. This strategy leverages the stability of mega and big caps against the growth potential of smaller caps, though the latter introduces higher volatility and 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.

The portfolio's current configuration suggests a strong alignment with the Efficient Frontier, indicating an optimal risk-return balance given the existing allocations. However, continuous reassessment is vital to ensure that this balance is maintained over time, especially as market conditions and the investor's financial goals evolve.

Dividends Info

  • Fidelity Small Cap Growth Index Fund 1.30%
  • FIDELITY INTERNATIONAL GROWTH FUND FIDELITY INTERNATIONAL GROWTH FUND 0.40%
  • Fidelity Mid Cap Growth Index Fund 0.40%
  • Fidelity 500 Index Fund 0.90%
  • Weighted yield (per year) 0.79%

The portfolio's overall dividend yield of 0.79% contributes to its total return, albeit modestly. This yield reflects the growth orientation, as funds are likely reinvesting earnings to fuel capital appreciation rather than distributing them as dividends. Investors seeking income alongside growth might consider a higher allocation to assets with substantial dividend yields.

Ongoing product costs Info

  • Fidelity Small Cap Growth Index Fund 0.05%
  • FIDELITY INTERNATIONAL GROWTH FUND FIDELITY INTERNATIONAL GROWTH FUND 0.86%
  • Fidelity Mid Cap Growth Index Fund 0.05%
  • Fidelity 500 Index Fund 0.02%
  • Weighted costs total (per year) 0.19%

With a total expense ratio (TER) of 0.19%, the portfolio benefits from relatively low costs, enhancing net returns over the long term. The low fees are particularly notable given the active management of the international growth fund. Maintaining low investment costs is crucial for maximizing long-term growth, especially in a growth-focused strategy.

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