Broad global index core with a pronounced semiconductor tilt and moderate overall risk level
Report created on Apr 21, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 42.96% -
FZ FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 30.30% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 12.46% -
US Cash (USD)
USD 6.49% -
DU Duke Energy Corporation
DUK - US26441C2044 2.67% -
AM Amprius Technologies Inc.
AMPX - US03214Q1085 2.48% -
CE Constellation Energy Corp
CEG - US21037T1097 1.54% -
NE Nextera Energy Inc
NEE - US65339F1012 1.10%
This portfolio is mostly invested in low-cost global index funds, with the two Fidelity index funds making up over 70% of the total. A focused semiconductor ETF adds a sizable thematic tilt, and a handful of individual energy-related stocks plus a small cash position round things out. Structurally, this looks like a diversified “core” built from broad funds, plus a more concentrated “satellite” in semiconductors and selected single stocks. That type of mix matters because the core tends to drive long-term, market-like behavior, while satellites can meaningfully shift returns and risk. In this case, the satellites are relatively small in weight but still shape volatility and sector exposure quite a bit.
Growth
Over the period from late 2022 to April 2026, $1,000 grew to about $2,167, which is a very strong outcome. The portfolio’s compound annual growth rate (CAGR) of roughly 25.5% beat both the US and global market benchmarks by around 6 percentage points per year. CAGR is like average speed on a long road trip, smoothing out bumps along the way. The maximum drawdown of about -19% was similar to the US market’s, so the higher return came without dramatically deeper declines. Only 26 days generated 90% of total gains, showing returns were concentrated in a few powerful upward bursts, which is common in equity-heavy portfolios.
Projection
The Monte Carlo projection simulates many possible 15‑year paths by “reshuffling” past return patterns and volatility. It doesn’t try to predict specific events; it just uses historical behavior to generate a range of plausible futures. Here, the median outcome turns $1,000 into about $2,698, with a central band from roughly $1,755 to $4,105. That spread shows how uncertain long-term results can be even with the same starting portfolio. The average simulated annual return is about 7.8%, far lower than the recent historical CAGR, underlining that the backtested period was unusually strong. As always, these simulations are guideposts, not promises, and actual markets can behave differently.
Asset classes
- Stocks 93%
- Cash 6%
Roughly 93% of the portfolio is in stocks, with about 6% in cash and a small remainder in other categories. That makes it clearly equity‑dominated, which usually means larger return potential over long periods alongside bigger short-term swings. Compared with many broad market mixes, this is on the higher‑equity side, but not extreme thanks to the cash buffer. The cash portion slightly dampens volatility and provides some dry powder but also drags returns when stocks perform well. Overall, the asset-class breakdown explains why the portfolio shows both strong growth and noticeable drawdowns: it is behaving much more like a stock portfolio than a balanced stock‑bond blend.
Sectors
- Technology 33%
- Financials 13%
- Industrials 12%
- Utilities 8%
- Consumer Discretionary 8%
- Health Care 7%
- Telecommunications 6%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, technology stands out at around one‑third of equity exposure, largely because of the semiconductor ETF. Financials, industrials, and utilities each have meaningful slices, while other sectors like health care, consumer areas, and communications are present in moderate amounts. This mix is more tech‑tilted than common broad benchmarks, which typically have a lower share in semiconductors specifically. Tech-heavy setups can benefit strongly when innovation and growth names lead the market, but they may feel sharper pullbacks when interest rates rise or sentiment turns against high-growth areas. The rest of the sectors are fairly well spread out, giving a reasonable balance outside that pronounced tech focus.
Regions
- North America 68%
- Europe Developed 13%
- Asia Developed 7%
- Japan 5%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about two-thirds of the portfolio is tied to North America, with Europe developed markets and developed Asia making up most of the remainder. Japan, emerging Asia, and smaller allocations to Australasia, Latin America, and Africa/Middle East are also represented. This pattern is broadly similar to many global equity indices, which are also dominated by North American companies, so it aligns well with common benchmarks. That alignment helps the portfolio behave in a “global market-like” way, rather than being overly exposed to a single foreign region. At the same time, the tilt toward North America means portfolio results remain heavily influenced by US and Canadian economic and market conditions.
Market capitalization
- Mega-cap 42%
- Large-cap 37%
- Mid-cap 17%
- Small-cap 3%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
The market-cap breakdown shows a strong tilt toward larger companies: roughly 42% in mega-caps and 37% in large-caps, with the remainder in mid, small, and a sliver of micro-caps. This structure is close to typical global indices, which are naturally dominated by the biggest firms. Large and mega-cap stocks often bring more stability, deeper liquidity, and more mature business models, which can smooth out some volatility. The modest allocation to smaller companies adds some growth potential and diversification without overwhelming the risk profile. Overall, this size mix suggests the portfolio will generally move in line with major global blue-chip names, with smaller-cap moves playing a secondary role.
True holdings
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NV NVIDIA Corporation 2.35%
Part of fund(s):- VanEck Semiconductor ETF
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TS Taiwan Semiconductor Manufacturing 1.34%
Part of fund(s):- VanEck Semiconductor ETF
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AV Broadcom Inc 1.05%
Part of fund(s):- VanEck Semiconductor ETF
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IN Intel Corporation 0.71%
Part of fund(s):- VanEck Semiconductor ETF
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AM Advanced Micro Devices Inc 0.67%
Part of fund(s):- VanEck Semiconductor ETF
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MU Micron Technology Inc 0.60%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 14.51%
This breakdown covers the equity portion of your portfolio only.
Looking through the funds, the visible top holdings include well-known semiconductor names like NVIDIA, Taiwan Semiconductor, Broadcom, Intel, AMD, and Micron. Because only top-10 ETF positions are shown, this view covers about 17% of the total portfolio, so overlap is likely understated. Even so, it’s clear that semiconductor giants appear together via the VanEck ETF, creating a cluster of related exposures rather than being spread across unrelated businesses. The direct stocks—Duke, Amprius, Constellation, and Nextera—do not overlap with ETF top holdings, so their concentration is exactly what the weights show. The main hidden concentration risk here is really the group of semis, not duplication of the same company across multiple funds.
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 across value, size, momentum, quality, and low volatility sits right around neutral, meaning the portfolio broadly resembles the overall market on these dimensions. Factor exposure is essentially how much the portfolio leans into traits like cheapness (value) or trend-following (momentum) that research links to returns. A largely neutral set of tilts suggests performance will mainly be driven by traditional market movements and sector choices rather than systematic factor bets. The one mild tilt is lower yield, consistent with the overall dividend yield being modest. That can happen when growth-oriented or tech names are prominent, since they often reinvest profits instead of paying high dividends.
Risk contribution
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FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 45.94% 41.3% -
FIDELITY ZERO INTERNATIONAL INDEX FUND
Weight: 32.40% 24.1% -
VanEck Semiconductor ETF
Weight: 13.32% 23.4% -
Amprius Technologies Inc.
Weight: 2.65% 8.0% -
Constellation Energy Corp
Weight: 1.65% 2.3% - Top 5 risk contribution 99.1%
Risk contribution shows how much each position drives total volatility, which can differ a lot from simple weights. Here, the two Fidelity index funds together make up roughly 78% of the allocation and contribute about 65% of the risk, so their risk impact is actually slightly less than their size. By contrast, the VanEck Semiconductor ETF is about 13% of the portfolio but contributes over 23% of total risk, reflecting higher volatility in that niche. Amprius is only around 3% by weight yet adds almost 8% of risk, another sign of a highly volatile stock. This pattern shows that a relatively small satellite slice meaningfully amplifies overall ups and downs.
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 efficient frontier chart compares risk and return using only the existing holdings in different mixes. The current portfolio’s Sharpe ratio—return per unit of risk—is about 1.22, while the mathematically “optimal” mix of these same assets reaches around 1.63. Being roughly 4 percentage points below the frontier at the current risk level means there is theoretical room to improve risk/return just by reweighting, without adding new investments. The minimum variance portfolio on the chart shows the lowest-risk combination, also with a Sharpe of 1.22 but lower return. Overall, the current mix is reasonably effective but not fully exploiting the most efficient balance implied by its own ingredients.
Dividends
- Constellation Energy Corp 0.60%
- Duke Energy Corporation 3.30%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.40%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 1.00%
- Nextera Energy Inc 2.50%
- VanEck Semiconductor ETF 0.20%
- Weighted yield (per year) 1.40%
The portfolio’s total dividend yield is about 1.4%, which is on the modest side for an equity-heavy mix. Yield measures the cash income from dividends relative to the portfolio value, separate from price changes. Much of the income here comes from the international index fund and the regulated utility names like Duke and Nextera, which traditionally pay regular dividends. In contrast, the semiconductor ETF and growth-oriented holdings contribute little yield. This structure means total return is likely to be driven more by price appreciation than by cash payouts. For investors tracking income, dividends are still a useful component, but they are clearly not the main focus of this portfolio’s design.
Ongoing product costs
- VanEck Semiconductor ETF 0.35%
- Weighted costs total (per year) 0.05%
Costs are impressively low overall. The total portfolio expense ratio (TER) is around 0.05%, largely thanks to the zero-fee Fidelity index funds and only one ETF with a moderate 0.35% fee. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly reduces returns each year. Keeping this number low is helpful because savings compound over time: even small fee differences can add up meaningfully over decades. In this case, the cost level is well below many comparable global equity portfolios, providing a solid structural advantage. Put simply, more of the portfolio’s gross returns are kept rather than paid away in fund expenses.
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