This portfolio has only about 8 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Growth tilted portfolio with strong quality factor exposure and broadly diversified stock and bond mix

Report created on May 7, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built primarily around growth‑oriented US stock funds, with notable support from value, international equity, and a modest bond sleeve. The three largest positions together hold 51% of the weight and sit at the core of the structure, while a long tail of smaller satellite funds adds sector, factor, and regional nuance. This kind of “core and satellites” approach is common: a few big broad funds shape most behavior, and many small ones fine‑tune it. Because the history available is only about eight months, it’s hard to judge whether this mix reflects a stable long‑term structure or a more recent shift, so any conclusions about persistent patterns should be read as early impressions rather than firm trends.

Growth Info

Over the short 2025‑09 to 2026‑04 window, $1,000 in this portfolio grew to about $1,166, implying a very high annualized return (CAGR) of 176.9%. The US market benchmark and the global benchmark were also unusually strong, but the portfolio outpaced both on this limited sample. Max drawdown, which shows the worst peak‑to‑trough drop, was a relatively mild -5.28%, slightly better than both benchmarks. Just three days account for 90% of returns, highlighting how lumpy short‑term performance can be. With only eight months of data, these figures mainly show that this period was unusually favorable; they don’t reliably describe how the portfolio might behave over many years.

Projection Info

The Monte Carlo projection uses that short return history to simulate many possible 15‑year paths, like rolling dice 1,000 times using the same odds implied by recent performance. The median outcome grows $1,000 to around $2,640, with a wide “likely” range from about $1,816 to $3,789 and an even wider possible band. The average simulated annual return is 7.47%, and about 74% of scenarios end positive. This is helpful for visualizing uncertainty, but here it leans heavily on less than a year of unusually strong data. That makes the projections less reliable than if they were based on a full market cycle, so they’re best viewed as a rough illustration rather than a forecast.

Asset classes Info

  • Stocks
    83%
  • Bonds
    13%
  • Other
    2%
  • Real Estate
    2%
  • Cash
    1%

By asset class, this is clearly an equity‑led portfolio: roughly 83% in stocks, 13% in bonds, 2% in real estate, 2% in other assets like gold, and about 1% in cash. That mix lines up with a “growth‑oriented but not all‑in” risk profile, where most return expectations come from stocks while bonds and diversifiers offer some cushioning. Compared with a global stock‑bond mix often shown in textbooks, this sits on the higher‑equity side, which usually means more sensitivity to market swings. Because the observation period is short and mostly positive, the stabilizing role of the bond and “other” sleeves hasn’t really been stress‑tested yet in tougher markets.

Sectors Info

  • Technology
    25%
  • Financials
    12%
  • Health Care
    9%
  • Industrials
    8%
  • Telecommunications
    7%
  • Consumer Discretionary
    5%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Real Estate
    3%
  • Consumer Discretionary
    3%
  • Utilities
    2%
  • Cash
    1%

This breakdown covers the equity portion of your portfolio only.

Sector‑wise, the portfolio leans strongly into technology at 25%, with meaningful exposure to financials, health care, industrials, and telecom. Energy, consumer staples, basic materials, real estate, and utilities each play smaller roles. Relative to broad global benchmarks, a 25% tech weight is on the higher side, which often boosts returns when growth and innovation themes are in favor but can increase volatility when interest rates rise or sentiment turns against high‑growth names. The rest of the sectors are spread fairly evenly, which is a positive sign for diversification. With only eight months of history, though, it’s too early to say how this sector mix behaves through a full economic cycle.

Regions Info

  • North America
    71%
  • No data
    11%
  • Europe Developed
    7%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Cash
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is heavily tilted toward North America at 71%, with smaller allocations to developed Europe, Japan, other developed Asia, emerging Asia, and small slices in Africa/Middle East and Latin America. There’s also an 11% “no data” bucket, which simply reflects classification limits rather than a structural issue. The North American tilt is common for US‑based portfolios and has been rewarded over the last decade, including in this recent eight‑month window. However, it also means a lot of outcomes are tied to one region’s economy, currency, and policy environment. The international sleeve does add diversification, but its benefits will show more clearly over longer, more varied market periods.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    23%
  • Mid-cap
    17%
  • Small-cap
    8%
  • Micro-cap
    2%
  • No data
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio is anchored in mega‑cap and large‑cap stocks (together 56%), with a solid 17% mid‑cap and 8% small‑cap allocation plus a smaller micro‑cap slice. This structure is similar to many broad indices, where the largest companies drive most of the index behavior but smaller firms add growth potential and diversification. Larger caps often provide more stability and liquidity, while mid and small caps can be more volatile yet sometimes more responsive to economic growth. Over this short sample, strong markets tend to make the mega‑ and large‑cap portion appear very resilient, but the true risk/return tradeoff among size buckets usually becomes clearer over several years, not months.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.64%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • NVIDIA Corporation
    0.45%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Top 20 U.S. Stocks ETF
  • Apple Inc
    0.38%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
    • iShares Top 20 U.S. Stocks ETF
  • Vanguard REIT II Index Fund Institutional Plus Shares
    0.22%
    Part of fund(s):
    • Vanguard Real Estate Index Fund ETF Shares
  • Exxon Mobil Corp
    0.21%
    Part of fund(s):
    • Fidelity® MSCI Energy Index ETF
  • Microsoft Corporation
    0.21%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Top 20 U.S. Stocks ETF
  • Samsung Electronics Co Ltd
    0.19%
    Part of fund(s):
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
  • Chevron Corp
    0.19%
    Part of fund(s):
    • Fidelity® MSCI Energy Index ETF
    • Schwab U.S. Dividend Equity ETF
  • Tencent Holdings Ltd
    0.18%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • Novartis AG
    0.18%
    Part of fund(s):
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard International Dividend Appreciation Index Fund ETF Shares
  • Top 10 total 2.83%

This breakdown covers the equity portion of your portfolio only.

The look‑through holdings show relatively modest concentration in any single company, with Taiwan Semiconductor, NVIDIA, Apple, Microsoft, and a few global blue chips each representing well under 1% of the portfolio via ETFs. This suggests that, at least within the top‑10 ETF positions, there is no outsized single‑stock bet. However, coverage is only 8.6% of the portfolio and limited to ETF top‑10s, so overlap may be understated—especially for broad index and active mutual funds. In practice, many of these big names likely appear in multiple funds. That layered exposure can subtly raise sensitivity to a handful of global leaders, which may not be obvious just from the fund list.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 39%
Size
Exposure to smaller companies
Low
Data availability: 49%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 26%
Quality
Preference for financially healthy companies
Very high
Data availability: 3%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 36%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure shows a very high tilt to quality (85%) and a high tilt to momentum (75%) and low volatility (70%), with value roughly neutral, size on the larger‑cap side, and yield relatively low. Factors are like the underlying “personality traits” of investments—quality, for instance, captures profitability and balance‑sheet strength, while momentum reflects recent winners. A strong quality tilt can help during periods when markets reward stable, profitable companies, and a high low‑volatility reading suggests an emphasis on steadier names even within equities. Momentum can amplify gains in rising markets but may see sharper pullbacks during reversals. With only eight months of data, these tilts should be seen as an early snapshot, not a permanent fingerprint.

Risk contribution Info

  • FIDELITY GROWTH COMPANY FUND FIDELITY GROWTH COMPANY FUND
    Weight: 24.00%
    32.4%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 10.00%
    15.6%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 12.00%
    11.8%
  • Fidelity 500 Index Fund
    Weight: 15.00%
    11.5%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    Weight: 5.00%
    5.5%
  • Top 5 risk contribution 76.8%

Risk contribution highlights how much each holding drives overall ups and downs, which can differ from its weight. The largest growth fund at 24% weight contributes about 32.4% of total risk, meaning its behavior matters more than its size alone suggests. The developed‑markets ETF at 10% weight adds around 15.6% of risk, also punching above its weight. By contrast, the large‑cap value index roughly matches its weight, and the broad US index fund contributes less risk than its 15% allocation. Altogether, the top three holdings make up just over half of total portfolio risk. That’s a meaningful but not extreme concentration, typical of a core‑satellite structure centered on a few key funds.

Redundant positions Info

  • iShares Top 20 U.S. Stocks ETF
    FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Vanguard S&P Mid-Cap 400 Index Fund ETF Shares
    Fidelity 500 Index Fund
    Vanguard Total Stock Market Index Fund ETF Shares
    FIDELITY GROWTH COMPANY FUND FIDELITY GROWTH COMPANY FUND
    Vanguard FTSE Emerging Markets Index Fund ETF Shares
    High correlation
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Fidelity® MSCI Health Care Index ETF
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation

The correlation data shows that many of the broad equity funds—US large‑cap, total market, mid‑cap, and small‑cap—have moved very closely together over this period. Correlation measures how similarly assets move; highly correlated pairs tend to rise and fall in tandem, which limits diversification benefits during big market swings. Here, the core US equity building blocks and some international equity exposures have been strongly aligned over the last eight months, reflecting a generally risk‑on environment. In a more turbulent or region‑specific downturn, some of these relationships might loosen, but based on this short window, the portfolio’s equity sleeve has behaved as one big, fairly unified risk cluster rather than many independent moving parts.

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‑versus‑return analysis plots the current mix against the “efficient frontier,” which represents the best expected return for each risk level using only your existing holdings in different weights. The portfolio’s Sharpe ratio—a measure of return per unit of risk—sits at 3.68 over this short period, while the optimal mix of the same funds reached 5.14 with slightly higher returns and lower risk. The current portfolio lies well below the frontier, about 37 percentage points off at its risk level, meaning historical data suggests a different weighting could have improved risk‑adjusted performance. Because the input period is less than a year and unusually strong, this gap may overstate how inefficient the allocation really is over the long run.

Dividends Info

  • Vanguard Total International Bond Index Fund ETF Shares 4.50%
  • FIDELITY GROWTH COMPANY FUND FIDELITY GROWTH COMPANY FUND 4.20%
  • Fidelity® MSCI Energy Index ETF 2.50%
  • Fidelity® MSCI Health Care Index ETF 1.40%
  • FIDELITY INFLATION-PROTECTED BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.80%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.40%
  • Fidelity® MSCI Materials Index ETF 1.40%
  • Fidelity® MSCI Financials Index ETF 1.70%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.90%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Fidelity 500 Index Fund 1.10%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.40%
  • Vanguard S&P Mid-Cap 400 Index Fund ETF Shares 1.20%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • iShares Broad USD High Yield Corporate Bond ETF 6.90%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.60%
  • Vanguard U.S. Quality Factor 1.10%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 2.10%
  • Vanguard Real Estate Index Fund ETF Shares 3.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.40%
  • iShares Top 20 U.S. Stocks ETF 0.40%
  • Fidelity® Government Money Market Fund 2.30%
  • Weighted yield (per year) 2.56%

The blended dividend yield is about 2.56%, coming from a mix of bond income, dividend‑focused equity funds, and more growth‑oriented funds with lower payouts. Yield is simply the annual cash distribution as a percentage of the current value, and it can be an important component of total return, especially when price gains are modest. Here, bond funds and high‑yield credit stand out for higher payments, while growth and tech exposures provide relatively little income but more of their potential through price movement. Over just eight months, the observed yield mostly reflects current payout policies; it doesn’t fully show how stable or growing those dividends might be across different interest‑rate and economic environments.

Ongoing product costs Info

  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • FIDELITY GROWTH COMPANY FUND FIDELITY GROWTH COMPANY FUND 0.69%
  • Fidelity® MSCI Energy Index ETF 0.08%
  • Fidelity® MSCI Health Care Index ETF 0.08%
  • FIDELITY INFLATION-PROTECTED BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.05%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • Fidelity® MSCI Materials Index ETF 0.08%
  • Fidelity® MSCI Financials Index ETF 0.08%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Fidelity 500 Index Fund 0.02%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • iShares Gold Trust 0.25%
  • Vanguard S&P Mid-Cap 400 Index Fund ETF Shares 0.10%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares Broad USD High Yield Corporate Bond ETF 0.08%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard U.S. Quality Factor 0.13%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 0.15%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.21%

The portfolio’s total expense ratio (TER) of about 0.21% is impressively low, especially given the mix of active and passive funds. TER is the annual fee charged by funds, expressed as a percentage of assets—like a small haircut off returns each year. Low‑cost index funds anchor the structure, with a higher‑fee growth fund as the main exception. Over long periods, cost differences compound, so keeping the overall TER near 0.2% is a meaningful structural advantage. With only eight months of return data, the impact of fees isn’t yet obvious in the performance charts, but mathematically, paying less for similar exposures leaves more room for net returns to accumulate over time.

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