Focused growth portfolio blending broad market coverage with a bold semiconductor satellite tilt
Report created on Apr 3, 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 56.09% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 22.31% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 21.60%
The portfolio is simple and equity‑only, with three holdings doing all the work. A low‑cost US total market fund is the core at about 56%, paired with a concentrated semiconductor ETF at 22% and a broad international stock ETF at 22%. This creates a “core‑satellite” structure: a diversified base plus a punchy growth satellite and global diversifier. That setup matters because the core keeps risk somewhat grounded while the satellite aims to boost long‑term return. Overall, this is a growth‑oriented stock mix with decent diversification for just three funds, but the dedicated semiconductor piece makes the ride bumpier than a plain index blend.
Growth
Over the 2018–2026 period, $1,000 grew to about $3,407, a compound annual growth rate (CAGR) of 17.44%. CAGR is like the average yearly “speed” of growth over the full journey. That handily beat both the US market (12.88%) and global market (10.26%), showing strong payoff from the growth tilt. The max drawdown, about –34% during the 2020 crash, was similar to the benchmarks, so downside hasn’t been worse historically despite the higher return. Still, 90% of gains came from just 28 days, underscoring how missing a few big up days can drastically change outcomes. The key takeaway: this mix has rewarded patience, but staying fully invested has been critical.
Projection
The Monte Carlo projection takes past returns and volatility, then simulates 1,000 possible 15‑year paths for a $1,000 investment. Think of it as running lots of “what if” futures based on historical patterns, not as a crystal ball. The median outcome lands around $2,691, with a typical middle range from roughly $1,781 to $4,215. There’s about a 73% chance of ending positive and an average simulated return near 8.14% a year. These ranges highlight uncertainty: results might be much better or worse than history suggests. The main lesson is to treat these numbers as scenario guides, not promises, and to match expectations and time horizon to that wide spread.
Asset classes
- Stocks 100%
All assets here are stocks, with 0% in bonds or cash‑like instruments. That pure‑equity stance is a big driver of both expected return and volatility. Equities historically have outperformed safer assets over long periods, but they also show deeper drawdowns and longer recovery times. There’s no built‑in ballast to cushion market shocks, so this kind of setup suits investors who can tolerate meaningful ups and downs without needing to sell during stress. As a general principle, adding other asset classes can smooth the ride, but for someone focused on long‑term growth and comfortable with swings, an all‑stock mix can still be entirely reasonable.
Sectors
- Technology 44%
- Financials 12%
- Industrials 9%
- Health Care 7%
- Telecommunications 7%
- Consumer Discretionary 6%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Consumer Discretionary 2%
- Utilities 2%
- Real Estate 2%
Sector exposure is clearly tilted, with technology at about 44% of equity holdings, far above many broad benchmarks. That overweight is largely driven by the dedicated semiconductor ETF, which also pulls in related tech hardware and equipment names. Financials, industrials, health care, and telecom are present but much smaller, giving some economic balance without diluting the tech tilt. A tech‑heavy portfolio tends to do very well in periods of innovation, low interest rates, and strong earnings growth, but can be hit hard when rates rise, regulation tightens, or sentiment flips. The takeaway: sector balance is reasonable overall, but technology is the clear driver of risk and return.
Regions
- North America 76%
- Europe Developed 10%
- Asia Developed 6%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 76% of exposure sits in North America, with the rest spread across developed Europe, Asia, Japan, and small slices of emerging markets and other regions. That home‑bias toward the US is common and has been rewarded over the last decade, especially with tech leadership. Compared with a global market mix, exposure outside North America is somewhat lighter, but not negligible thanks to the international ETF. This structure ties most outcomes to the US economy and currency, while still capturing some global growth and currency diversification. It’s a broadly aligned but US‑tilted profile, which is a solid baseline for many growth‑focused investors.
Market capitalization
- Mega-cap 44%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 4%
- Micro-cap 1%
Market‑cap exposure is anchored in mega‑ and large‑cap companies, together making up around 77% of equity holdings. Mid‑caps and small‑caps add some extra growth and diversification, while micro‑caps are only a tiny 1% sliver. Larger companies typically bring more stability, better liquidity, and more established business models, which can help temper volatility from the concentrated sector bet. Smaller companies, while more volatile, may offer higher long‑term growth potential and different return drivers. Overall, the market‑cap mix is close to broad index norms, which is beneficial: the portfolio takes its big swing mainly via sector choice, not via a heavy lean into tiny, risky stocks.
True holdings
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NV NVIDIA Corporation 4.31%
Part of fund(s):- VanEck Semiconductor ETF
-
TS Taiwan Semiconductor Manufacturing 2.62%
Part of fund(s):- VanEck Semiconductor ETF
-
AV Broadcom Inc 1.73%
Part of fund(s):- VanEck Semiconductor ETF
-
AS ASML Holding NV ADR 1.40%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AM Advanced Micro Devices Inc 1.06%
Part of fund(s):- VanEck Semiconductor ETF
-
KL KLA Corporation 1.06%
Part of fund(s):- VanEck Semiconductor ETF
-
LR Lam Research Corp 1.04%
Part of fund(s):- VanEck Semiconductor ETF
-
AD Analog Devices Inc 1.04%
Part of fund(s):- VanEck Semiconductor ETF
-
AM Applied Materials Inc 1.03%
Part of fund(s):- VanEck Semiconductor ETF
-
TX Texas Instruments Incorporated 1.03%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 16.33%
Looking through the ETF top holdings, the biggest underlying exposures cluster in leading chipmakers and equipment companies like NVIDIA, TSMC, Broadcom, and ASML. Many of these appear together inside the semiconductor ETF, so they form a tight group of highly related positions rather than broad, uncorrelated bets. Because only top‑10 ETF holdings are shown, overall overlap is likely a bit understated, but the pattern is clear: a lot of growth potential is tied to a few semiconductor giants. That concentration can be powerful in strong industry cycles but can also magnify portfolio swings when that part of the market stumbles or falls out of favor.
Factors
Factor exposure looks broadly balanced, with all reported factors—value, size, momentum, quality, and low volatility—clustered around neutral. Factor exposure describes how much the portfolio leans into characteristics like cheapness (value) or recent winners (momentum) that research has linked to returns. A neutral reading means behavior is similar to the broad market rather than strongly tilted toward any one style. Yield stands out as mildly low, reflecting the growth and tech tilt, where companies tend to reinvest rather than pay high dividends. That mix aligns with a growth mindset: more focus on price appreciation and innovation, less on steady income or defensive characteristics.
Risk contribution
-
FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 56.09% 50.6% -
VanEck Semiconductor ETF
Weight: 22.31% 33.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 21.60% 16.1%
Risk contribution shows how much each holding drives overall ups and downs, which can differ from simple weights. The total market fund is over half the portfolio and contributes about 51% of the risk, roughly in line with its size. The semiconductor ETF is only 22% by weight but contributes a hefty 33% of risk, confirming it behaves like the main “amplifier” in this mix. The international ETF, at roughly the same weight as semis, adds only 16% of risk, acting more as a stabilizer and diversifier. Rebalancing over time—especially after big semiconductor rallies or drops—can help keep that risk balance aligned with intended comfort levels.
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, the current portfolio sits right on or very near the efficient frontier. The efficient frontier is the curve showing the best expected return for each risk level using only these existing holdings but in different weightings. The Sharpe ratio, which measures return per unit of risk above the risk‑free rate, is 0.59 for the current mix, versus 0.9 for the theoretical max‑Sharpe blend and 0.47 for the minimum‑risk option. Because the current allocation is already efficiently positioned, there’s no obvious structural “free lunch” from reweighting alone. Fine‑tuning still matters, but big gains must come from risk tolerance and time horizon, not optimization magic.
Dividends
- FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
- VanEck Semiconductor ETF 0.30%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.33%
The overall dividend yield is about 1.33%, with the international ETF providing the highest yield near 3%, the US total market around 1.1%, and the semiconductor ETF paying very little. Dividend yield is the annual cash payout as a percentage of price, acting like interest on a savings account, but not guaranteed. A lower overall yield often signals a tilt toward growth companies that reinvest earnings instead of distributing them. For investors seeking long‑term capital growth rather than current income, this is a sensible trade‑off. Those who rely on regular cash flow, however, would likely consider this payout on the low side for funding ongoing expenses.
Ongoing product costs
- VanEck Semiconductor ETF 0.35%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
Costs are impressively low, with a blended total expense ratio (TER) of about 0.09%. TER is the annual fee the funds charge, taken straight out of returns, like a small toll on your investments each year. The international ETF is extremely cheap at 0.05%, while the specialized semiconductor ETF is pricier at 0.35% but still reasonable for a focused theme. Keeping average costs this low is a quiet but powerful advantage: even a few tenths of a percent saved each year can compound into substantial extra wealth over decades. On cost control, this setup is firmly on the right track and aligned with best practices.
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