Growth focused global stock portfolio with a strong semiconductor tilt and impressively low ongoing costs
Report created on May 14, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
FS Fidelity Total Market Index Fund
FSKAX - US3159116934 50.00% -
FT FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
FTIHX - US31635V6386 35.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 15.00%
This portfolio is a simple three-holding mix fully invested in stocks. About half sits in a broad US total-market index, roughly a third in a broad international stock index, and the final slice in a focused semiconductor ETF. That structure combines two “own almost everything” building blocks with one narrow, high-growth theme. This kind of setup matters because a few broad funds can provide wide diversification, while a focused satellite holding can noticeably shape behaviour. Here, the core funds anchor the portfolio to global stock market movements, while the semiconductor position adds extra growth potential and extra bumpiness. The mix lines up with a growth risk classification and creates a clear, easy-to-understand structure.
Growth
Over the last decade, $1,000 in this portfolio grew to about $6,293, with a compound annual growth rate (CAGR) of 20.45%. CAGR is like your average speed on a long road trip, smoothing out all the stops and traffic jams. That growth beat both the US market (around 15.45% a year) and the global market (about 13.00% a year) by a wide margin. The worst drop, or max drawdown, was about -33.6% during early 2020, similar to the benchmarks’ falls. Strong outperformance with drawdowns in line with major markets suggests the semiconductor tilt and growth focus boosted returns without materially deeper crashes, though this pattern may not repeat.
Projection
The Monte Carlo projection uses the portfolio’s historical ups and downs to simulate many possible 15‑year paths. Think of it as rolling the dice 1,000 times using past volatility and returns as a guide. In these simulations, $1,000 most often ended around $2,833, with a middle “likely” range of about $1,856 to $4,329 and a wider possible range of $1,064 to $7,795. The average simulated annual return was 8.35%, and about three-quarters of simulations finished positive. This doesn’t predict exactly what will happen; it just shows a spread of plausible futures if markets behave somewhat like the past, which they may not.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That all‑equity stance typically means higher long‑term growth potential but also sharper swings along the way, since there’s no cushion from steadier asset classes. Compared with many blended benchmarks that include bonds, this is clearly on the growthier, more volatile side. An all‑stock mix puts the portfolio’s returns almost entirely at the mercy of global company earnings, valuations, and sentiment. The benefit is simplicity and direct participation in equity markets; the trade‑off is living through full equity drawdowns when markets fall, with no built‑in stabilizer from safer assets.
Sectors
- Technology 36%
- Financials 14%
- Industrials 10%
- Consumer Discretionary 8%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector-wise, technology stands out at about 36% of the portfolio, helped by the dedicated semiconductor ETF. Financials, industrials, consumer areas, health care, and communications all appear with moderate weights, while sectors like utilities, real estate, and staples play smaller roles. This pattern differs from a classic broad index by giving a stronger tilt toward tech and chip-makers, which often benefit from innovation cycles but can be more sensitive to interest rates and business investment trends. A tech-tilted mix may enjoy strong periods when growth companies lead, but it can lag when markets favour more defensive or value-oriented sectors, making sector behaviour an important driver here.
Regions
- North America 66%
- Europe Developed 14%
- Asia Developed 7%
- Japan 5%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 66% of the portfolio is in North America, with the rest spread across Europe, developed Asia (including Japan), emerging Asia, and smaller slices in other regions. That US-heavy bias is common in many portfolios and slightly above the US share of total global stock market value. It means results are strongly tied to the US economy, companies, and dollar, while still getting meaningful diversification from overseas markets. The positive alignment is that international exposure is not trivial; roughly a third of the portfolio looks beyond the US, which can help when other regions are in different parts of the economic cycle than North America.
Market capitalization
- Mega-cap 45%
- Large-cap 33%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
By market capitalization, around 45% is in mega-cap companies, 33% in large caps, with the rest split across mid, small, and a tiny slice of micro caps. Market cap just measures a company’s total value in the stock market, and size often affects how it behaves: larger firms tend to be more stable, while smaller ones can be more volatile but sometimes faster-growing. This mix leans slightly toward the biggest names but still gives some exposure down the size spectrum. That structure is broadly in line with global benchmarks, which is a plus for diversification, while still letting smaller companies contribute a bit of extra dynamism and risk.
True holdings
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NV NVIDIA Corporation 2.46%
Part of fund(s):- VanEck Semiconductor ETF
-
TS Taiwan Semiconductor Manufacturing 1.46%
Part of fund(s):- VanEck Semiconductor ETF
-
IN Intel Corporation 1.25%
Part of fund(s):- VanEck Semiconductor ETF
-
AV Broadcom Inc 1.10%
Part of fund(s):- VanEck Semiconductor ETF
-
AM Advanced Micro Devices Inc 1.06%
Part of fund(s):- VanEck Semiconductor ETF
-
MU Micron Technology Inc 0.95%
Part of fund(s):- VanEck Semiconductor ETF
-
QC Qualcomm Incorporated 0.71%
Part of fund(s):- VanEck Semiconductor ETF
-
TX Texas Instruments Incorporated 0.69%
Part of fund(s):- VanEck Semiconductor ETF
-
LR Lam Research Corp 0.64%
Part of fund(s):- VanEck Semiconductor ETF
-
AD Analog Devices Inc 0.62%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 10.94%
Looking through the semiconductor ETF’s top holdings, the largest underlying exposures include NVIDIA, Taiwan Semiconductor, Intel, Broadcom, AMD, and Micron. Each of these names is under 3% of the total portfolio, but together they illustrate a concentrated theme in chip design and manufacturing. Because all of these appear via a single ETF, there isn’t much hidden overlap across multiple funds, which keeps unintended concentration modest. However, the data only covers top‑10 ETF holdings, so overlap elsewhere is likely understated. The key takeaway is that a relatively small portfolio slice drives a focused bet on a specific high-growth industry rather than on a mix of unrelated companies.
Factors
Factor exposure for this portfolio is mostly neutral across value, size, momentum, quality, and low volatility, meaning it behaves similarly to broad market indices on those dimensions. Factor investing looks at characteristics like cheapness (value) or trend strength (momentum) that research links to long‑term returns. Here, none of those main levers stand out as strong tilts. The only mild difference is a lower yield factor, which lines up with the modest dividend profile and growth-oriented names. Overall, this is a positively balanced picture: the portfolio isn’t heavily skewed toward any single academic factor, so its behaviour is mainly driven by broad market moves and its sector/thematic tilt.
Risk contribution
-
Fidelity Total Market Index Fund
Weight: 50.00% 48.7% -
FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 35.00% 27.8% -
VanEck Semiconductor ETF
Weight: 15.00% 23.4%
Risk contribution shows how much each holding adds to total portfolio volatility, which can differ from its weight. The US total-market fund is 50% of the portfolio and contributes about 49% of risk, almost one‑for‑one. The international fund is 35% of assets but only about 28% of risk, so it’s a bit gentler than its size suggests. The standout is the semiconductor ETF: at 15% weight, it contributes roughly 23% of overall risk, with a risk/weight ratio of 1.56. That means this relatively small slice does a lot of the heavy lifting in terms of ups and downs, consistent with a concentrated, more volatile theme position.
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 shows this portfolio delivering about 17.29% historical return with 18.47% volatility and a Sharpe ratio of 0.72. The Sharpe ratio compares excess return to risk, like how much “extra” you got per unit of bumpiness versus a risk‑free rate. The optimal mix of the same three holdings historically reached a Sharpe of 1.1, but that came with much higher volatility and return, while the minimum-variance mix had slightly lower risk and return. The key point is that the current portfolio sits on or very near the efficient frontier, meaning its allocation has been an efficient balance of risk and return given these specific components.
Dividends
- Fidelity Total Market Index Fund 1.00%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.50%
- VanEck Semiconductor ETF 0.20%
- Weighted yield (per year) 1.40%
The overall dividend yield for this portfolio is around 1.40%, combining a roughly 1.00% yield from the US total-market fund, 2.50% from the international fund, and a very low 0.20% from the semiconductor ETF. Dividend yield is simply the annual cash paid out as a percentage of what you’ve invested. Here, the income component is modest, with more of the return historically coming from price growth rather than payouts. That pattern is consistent with a growth‑tilted stock portfolio, where companies may reinvest profits instead of paying high dividends. For investors tracking total return, dividends still provide a steady, if small, contribution on top of capital gains.
Ongoing product costs
- Fidelity Total Market Index Fund 0.02%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
- VanEck Semiconductor ETF 0.35%
- Weighted costs total (per year) 0.08%
Ongoing costs are impressively low, with a total expense ratio (TER) around 0.08%. TER is the annual fee charged by funds, expressed as a percentage of your investment, and it quietly chips away at returns over time. The core index funds are extremely cheap at 0.02% and 0.06%, while the focused semiconductor ETF is higher at 0.35%, which is typical for a more specialized product. Because the bulk of the portfolio is in ultra‑low‑cost funds, the weighted average fee stays very low. This alignment with best practices is a real strength: keeping costs down leaves more of any future gains in the portfolio rather than paying them away.
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