Broad stock market blend with strong US focus and efficient risk balance
Report created on Apr 22, 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 85.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 5.00%
This portfolio is a simple three-fund equity mix, heavily anchored in a broad US stock market fund. About 85% sits in the Fidelity total US market fund, with 10% in a global ex-US index ETF and 5% in a NASDAQ 100 ETF. So it is fully invested in stocks and leans clearly toward the US with a growth-flavored satellite from the NASDAQ sleeve. This kind of structure is easy to follow because one fund does most of the heavy lifting while the others add global reach and a tech tilt. The result is a straightforward equity portfolio whose behavior will mostly mirror the ups and downs of the US stock market.
Growth
Over the period from late 2020 to April 2026, $1,000 in this portfolio grew to about $2,091. That translates to a compound annual growth rate (CAGR) of 14.39%, meaning the investment grew, on average, a bit over 14% per year, similar to calculating average speed on a long road trip. The worst peak‑to‑trough drop, or max drawdown, was about -26%, taking nine months to fall and fourteen months to fully recover. Compared with benchmarks, this mix trailed the broad US market slightly but beat the global market by over 1% per year. That pattern lines up with its strong US tilt and modest international exposure.
Projection
The forward projection uses a Monte Carlo simulation, which is basically running thousands of “what if” scenarios using past volatility and returns as inputs. For a $1,000 starting amount over 15 years, the median outcome is around $2,738, with a wide middle range roughly between $1,776 and $4,129. There’s about a 73% chance of finishing with a positive return, and the average annual return across all simulated paths is just over 8%. These results highlight both potential growth and the uncertainty involved. Importantly, simulations are not forecasts; they reuse historical patterns, which can change, so the actual path could end up outside even the 5–95% range shown.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That makes the asset mix straightforward but also means day‑to‑day and year‑to‑year swings will be driven purely by equity markets. Compared with a typical “balanced” mix that would usually hold a noticeable bond allocation, this structure is more growth‑oriented and more sensitive to equity sell‑offs. When stocks do well, a 100% equity portfolio fully participates; when they fall, there is no built‑in cushion from steadier asset classes. The trade‑off is higher long‑term return potential alongside a bumpier ride, which is visible in the historical drawdown profile.
Sectors
- Technology 31%
- Financials 13%
- Industrials 10%
- Health Care 10%
- Telecommunications 10%
- Consumer Discretionary 9%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
- Consumer Discretionary 2%
Sector-wise, the portfolio is diversified but tilted toward technology, which makes up about 31% of the equity exposure. Financials, industrials, health care, and telecom together form a large secondary block, while energy, materials, utilities, real estate, and staples remain smaller slices. Relative to a classic broad market, a tech share above 30% is on the higher side and reflects the influence of US and NASDAQ holdings. Tech-heavy allocations often benefit from innovation and earnings growth, but they can be more sensitive when interest rates rise or when markets favor more cyclical or defensive areas. The other sectors still provide some balance against pure tech-driven moves.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Emerging 1%
- Asia Developed 1%
Geographically, the portfolio is very US-centric: around 90% is in North America, with modest exposure to Europe, Japan, and other parts of Asia. Compared with a global benchmark where the US usually sits closer to 60%, this is a clear home-country tilt. The upside is alignment with US economic and regulatory conditions, which often matches the currency and day-to-day news flow for a US-based investor. The downside is that results are heavily linked to the fortunes of one region. When US markets outperform the rest of the world, this concentration helps; when international markets lead, the portfolio captures only a small part of that performance.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
By market capitalization, the portfolio leans strongly toward larger companies, with about 42% in mega‑caps and 31% in large‑caps. Mid‑caps account for just under a fifth, while small and micro‑caps together make up less than 10%. This pattern is common in broad market index funds where bigger companies naturally dominate. Large and mega companies often bring more stable earnings, deeper liquidity, and lower individual company risk than very small stocks. However, smaller companies can sometimes deliver higher growth during certain cycles. With its current structure, the portfolio’s behavior will largely reflect the biggest names in the market while still keeping a modest, diversified tail of smaller firms.
True holdings
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NV NVIDIA Corporation 0.45%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 0.36%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.35%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 0.29%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 0.24%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
ME Meta Platforms Inc. 0.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 0.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
GO Alphabet Inc Class A 0.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 0.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class C 0.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 2.57%
The look‑through view of the ETFs’ top holdings shows familiar large technology and platform companies such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Tesla. Each of these appears via multiple funds, but individually they make up well under 1% of the overall portfolio, with the largest at about 0.45%. Because only ETF top‑10 holdings are included and coverage is just 3.5% of the portfolio, actual overlap in underlying stocks is likely higher than shown. Even so, the current data suggests that concentration in single names is relatively low, with risk more spread across the broad US and international indices rather than dominated by any single company.
Factors
Factor exposure is almost perfectly balanced across value, size, momentum, quality, and low volatility, all sitting near the “neutral” 50% mark. Factor exposure is basically how much a portfolio leans into traits like cheapness (value), recent winners (momentum), or stability (low volatility) that research has linked to long‑term returns. A neutral profile means this portfolio behaves much like the overall market along these dimensions, without strong style bets. The only noticeable difference is lower exposure to yield, which aligns with its focus on broad equity indices and growth‑oriented segments. Overall, the factor mix suggests a core, market‑like style rather than a specialized strategy.
Risk contribution
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FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 85.00% 86.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 7.9% -
Invesco NASDAQ 100 ETF
Weight: 5.00% 6.2%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the Fidelity total market fund is 85% of the portfolio and contributes about 86% of the risk, almost one‑for‑one. The international ETF contributes slightly less risk than its 10% weight, while the 5% NASDAQ 100 ETF contributes a bit more risk than its size due to its growth and tech focus. This pattern is typical: the main core fund dominates risk, with the smaller satellite adding a modest extra punch. It means the risk story is mostly about broad US stocks, with only a small incremental effect from the NASDAQ sleeve.
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.
On the risk‑return chart, this portfolio sits right on or very close to the efficient frontier. The efficient frontier represents the best possible return for each level of risk using just the existing holdings with different weights. The current mix has a Sharpe ratio of 0.64, compared with 0.82 for the optimal combination and 0.77 for the minimum‑variance mix. The Sharpe ratio measures risk‑adjusted return, comparing extra return above a risk‑free rate to volatility. Being near the frontier suggests the current allocation already uses these three funds in a way that balances return and risk efficiently, leaving only limited potential improvement from reweighting alone.
Dividends
- FIDELITY ZERO TOTAL MARKET INDEX FUND 1.00%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.14%
The portfolio’s total dividend yield is about 1.14%, combining roughly 1.0% from the US total market fund, 0.5% from the NASDAQ 100 ETF, and 2.7% from the international fund. Dividend yield is the yearly cash payment as a percentage of the investment value, like a rental payment from owning a property. At this level, most of the portfolio’s long‑term return is expected to come from price changes rather than income. The relatively higher yield on international stocks provides a small income boost versus the US and tech components. Overall, this is a low‑to‑moderate income profile consistent with a broad, growth‑oriented equity allocation.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.01%
Reported ongoing costs are very low, with the NASDAQ 100 ETF at 0.15%, the international ETF at 0.05%, and an overall blended TER of around 0.01% thanks to the zero‑fee core fund. TER, or total expense ratio, is the annual fee the fund charges, quietly deducted inside the product. Keeping this number small matters because fees compound over time in the same way returns do. Here, the cost drag is impressively low and compares favorably with many similar index products. That leaves more of the portfolio’s gross performance in the investor’s pocket and provides a strong structural foundation for long‑term compounding.
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