Growth-oriented portfolio with a strong focus on large-cap stocks and international diversification

Report created on Jul 21, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio predominantly consists of large-cap stocks, as evidenced by a 70% allocation to the Fidelity Zero Large Cap Index Fund. The inclusion of the BlackRock International Index Fund and the Vanguard Small-Cap Value Index Fund adds geographic and market cap diversification. However, the heavy weighting towards large-cap stocks suggests a conservative approach towards growth, potentially limiting exposure to higher-growth small-cap sectors.

Growth Info

Historically, the portfolio has exhibited a Compound Annual Growth Rate (CAGR) of 13.48%, with a significant maximum drawdown of -34.49%. This performance indicates a relatively high growth trajectory, albeit with notable volatility. The days contributing to 90% of returns being concentrated in just 16 days highlight the portfolio's susceptibility to short-term market movements, emphasizing the importance of a long-term investment horizon.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the median scenario suggesting a 259.1% return. While 943 out of 1,000 simulations resulted in positive returns, indicating a high probability of growth, investors should remain cautious of the inherent uncertainty in such forecasts. These projections, based on historical data, offer a glimpse into potential future performance but cannot guarantee outcomes.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is entirely in stocks, with no exposure to cash, bonds, or alternative asset classes. This allocation underlines a growth-focused strategy but raises concerns about volatility and risk, particularly in market downturns. Diversifying into other asset classes could provide a buffer against stock market fluctuations.

Sectors Info

  • Technology
    26%
  • Financials
    16%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    3%

Sectoral allocation shows a strong emphasis on technology and financial services, which are sectors known for their growth potential but also for their volatility. The underrepresentation of traditionally defensive sectors like utilities and consumer defensive might limit the portfolio's resilience during market downturns. Balancing growth-oriented and defensive sectors could improve stability.

Regions Info

  • North America
    80%
  • Europe Developed
    13%
  • Japan
    5%
  • Australasia
    1%
  • Asia Developed
    1%

The geographic allocation with 80% in North America and significant exposure to developed European markets and Japan indicates a preference for established economies. However, the negligible exposure to emerging markets could mean missed opportunities for higher growth, albeit at increased risk levels.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    31%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown, with a focus on mega and big-cap stocks, aligns with its growth profile while maintaining a level of stability. Incorporating more medium, small, and micro-cap stocks could enhance growth potential but would also increase 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.

Considering the Efficient Frontier, the portfolio appears to be positioned for growth, albeit with a risk profile that might not be fully optimized. Adjusting the asset allocation to include a broader range of asset classes and more diversification across sectors and geographies could potentially offer a more favorable risk-return trade-off.

Dividends Info

  • BlackRock International Index Fund Cls K 2.70%
  • FIDELITY ZERO LARGE CAP INDEX FUND 1.00%
  • VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES 1.60%
  • Weighted yield (per year) 1.40%

The portfolio's overall dividend yield of 1.40% reflects a balance between growth and income generation. While not the primary focus, dividends contribute to total returns and provide a modest income stream, which can be particularly beneficial in periods of market stagnation or mild downturns.

Ongoing product costs Info

  • BlackRock International Index Fund Cls K 0.05%
  • VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES 0.07%
  • Weighted costs total (per year) 0.02%

With total portfolio costs remarkably low, this portfolio exemplifies efficient expense management, which is crucial for enhancing long-term returns. Lower costs mean more of the investment's return is retained by the investor, a fundamental principle for achieving compound growth over time.

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