Broad stock market portfolio with global tilt and balanced risk but modestly low dividend income
Report created on May 5, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 50.00% -
FZ FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 5.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 5.00%
This portfolio is a simple five‑fund mix that is fully invested in stocks. About half sits in a broad US total market fund, with roughly a third in a broad international fund outside the US. The remaining slice is split between US and international small‑cap value funds plus a focused Nasdaq 100 ETF. Structurally, this combines low‑cost market‑wide funds with smaller “tilts” toward small value and large growth. That matters because the bulk of behavior will follow global stock markets, while the satellite positions can nudge risk and return characteristics. The overall design is straightforward and transparent, which makes it easier to understand how each piece influences performance over time.
Growth
From October 2020 to May 2026, a hypothetical $1,000 in this portfolio grew to about $2,169. That translates into a compound annual growth rate (CAGR) of 15.02%, which is slightly behind the US market benchmark but ahead of the global market benchmark over the same period. CAGR is like average speed on a road trip: it smooths out the bumps. The maximum drawdown of about -25.6% shows the worst peak‑to‑trough decline, similar to the benchmarks. It took around 11 months to reach that low and 15 months to recover, illustrating that recovery periods can be lengthy even when long‑term returns look strong.
Projection
The Monte Carlo projection uses 1,000 simulations based on historical behavior to estimate a range of possible 15‑year outcomes. It’s like running the same movie many times with slightly different plot twists in returns each year. The median scenario grows $1,000 to about $2,774, with a “likely” middle range from roughly $1,799 to $4,152. The wide possible band, from about $1,006 to $7,362, highlights how uncertain the future can be even with the same starting portfolio. An average simulated annual return near 8% is solid, but these are statistical what‑ifs, not promises. The 74% chance of finishing positive shows historically favorable odds, but not certainty.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds or cash included in the reported mix. That creates a clear growth‑oriented structure, as stocks historically offer higher return potential but larger swings than fixed income. Compared to a multi‑asset allocation that includes bonds, this setup is more sensitive to equity market ups and downs. Within equities, the blend of broad market and factor‑tilted funds helps spread exposure across many companies and styles. The fully equity allocation lines up with its “Balanced” risk label mostly through diversification across regions and company sizes rather than through mixing in lower‑volatility asset classes.
Sectors
- Technology 24%
- Financials 17%
- Industrials 12%
- Health Care 8%
- Consumer Discretionary 8%
- Telecommunications 8%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 5%
- Consumer Discretionary 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is reasonably broad, with technology the largest slice at about 24%, followed by financials, industrials, health care, and others. That tilt toward technology is common in modern equity portfolios because tech makes up a big chunk of major indexes, and the dedicated Nasdaq 100 ETF adds to it. Tech‑heavy allocations tend to be more sensitive to interest rate changes and growth expectations, which can boost returns in boom periods but also amplify volatility in downturns. At the same time, meaningful weights in financials, industrials, and other sectors provide balance, so the portfolio is not overly dependent on a single industry’s fortunes.
Regions
- North America 68%
- Europe Developed 14%
- Japan 7%
- Asia Developed 5%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 68% is in North America, with the rest spread across Europe, Japan, other developed Asia, and several emerging regions. This US‑tilt is roughly in line with global stock market weightings, where the US is naturally dominant, but it still leaves a meaningful chunk abroad. That international slice can help when non‑US markets or currencies move differently from the US. The presence of Europe, Japan, and emerging regions means the portfolio is not locked into one economy or policy regime. The spread is broad enough that country‑specific shocks are less likely to dominate overall returns, which supports the “moderately diversified” description.
Market capitalization
- Mega-cap 40%
- Large-cap 27%
- Mid-cap 17%
- Small-cap 10%
- Micro-cap 6%
The portfolio spans the full range of market capitalizations, from mega‑caps down to micro‑caps. About 40% sits in mega‑caps and 27% in large‑caps, mirroring the dominance of big companies in global indices. Meanwhile, a combined 33% in mid, small, and micro‑caps adds exposure to more volatile but higher‑growth potential firms. This mix means the largest, more stable businesses anchor much of the portfolio’s behavior, while smaller companies introduce extra return variability. The explicit small‑cap value funds help boost the share of smaller firms compared with a pure market‑cap index. That broad size distribution is a meaningful contributor to diversification within the equity sleeve.
True holdings
-
NV NVIDIA Corporation 0.43%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 0.35%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 0.27%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 0.25%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 0.20%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class C 0.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 0.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 0.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
ME Meta Platforms Inc. 0.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
WM Walmart Inc. 0.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 2.33%
Looking through the ETF top‑10 holdings, the largest individual company exposures such as NVIDIA, Apple, and Microsoft each make up less than half a percent of the total portfolio. That indicates no single stock dominates risk through oversized direct exposure. However, these names appear through multiple funds, especially the Nasdaq 100 ETF and the broad US market fund, creating some overlap. Because only ETF top‑10 holdings are captured, the actual overlap is somewhat higher than shown. Still, the visible concentrations are modest, suggesting diversified company‑level exposure even among mega‑cap technology names that often drive index performance.
Factors
Factor exposure is broadly market‑like across value, size, momentum, quality, and low volatility, with all of these near the “neutral” band. Factor exposure describes how much the portfolio leans into certain characteristics—think of it as the mix of ingredients that drive return patterns. The only notable tilt is a somewhat low yield score, reflecting the focus on growth and broad indexes rather than high‑dividend strategies. That means less of the total return is expected to come from dividends and more from price changes. Overall, the factor profile is well‑balanced, which tends to track general market behavior rather than emphasizing a single style.
Risk contribution
-
FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 50.00% 51.6% -
FIDELITY ZERO INTERNATIONAL INDEX FUND
Weight: 30.00% 25.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.0% -
Invesco NASDAQ 100 ETF
Weight: 5.00% 6.1% -
Avantis® International Small Cap Value ETF
Weight: 5.00% 4.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The core US fund is half the portfolio and contributes about 52% of total risk, very much in line with its size. The international index fund is 30% of assets but slightly under‑contributes to risk at around 26%, suggesting somewhat lower volatility or offsetting movements. The small‑cap value and Nasdaq funds punch a bit above their weight with risk/weight ratios around 1.2, meaning they add more variability than their allocations alone imply. The top three positions together explain almost 90% of overall portfolio volatility.
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‑return optimization view shows the current portfolio sitting about 2.17 percentage points below the efficient frontier at its current risk level. The efficient frontier is the curve of best possible return for each risk level using the same ingredients but different weights. The current Sharpe ratio of 0.7—return per unit of volatility—is lower than both the maximum Sharpe portfolio and the minimum‑variance option. That means, in theory, another blend of these same five holdings could either improve risk‑adjusted returns or lower risk for a similar expected return. While the existing allocation is reasonable, it is not maximizing the potential trade‑off among the current funds.
Dividends
- Avantis® International Small Cap Value ETF 2.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.40%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 1.00%
- Invesco NASDAQ 100 ETF 0.50%
- Weighted yield (per year) 1.52%
The total dividend yield for the portfolio is about 1.52%, which is modest for an all‑equity mix. Yields vary across holdings: the international small‑cap value and broad international funds have the highest payouts, while the Nasdaq 100 ETF sits at the low end. Dividends can provide a steady return stream and may help cushion volatility, but here they are a secondary driver. Most performance historically and prospectively is likely to come from changes in share prices rather than income. This is common for portfolios tilted toward growth and broad market exposure rather than explicitly targeting high‑yielding stocks.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Weighted costs total (per year) 0.05%
Reported costs are very low, with a total expense ratio around 0.05% once the zero‑fee index funds are averaged in. Individual ETFs charge between 0.15% and 0.36%, but they are relatively small slices of the overall mix. Low costs matter because fees come off returns every year, and even small differences can add up meaningfully over long periods through compounding. In this case, the fee drag is minimal, which supports better long‑term outcomes compared with higher‑cost alternatives tracking similar markets. The cost structure is a clear strength of this portfolio and aligns well with best practices for diversified equity investing.
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