Broad equity blend with modest tilts and room to fine tune risk return efficiency
Report created on Apr 12, 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
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 50.00% -
FS FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSPSX - US3159117270 25.00% -
FE FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND
FEDDX - US31618H5494 10.00% -
FS FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSMDX - US3161462656 10.00% -
FD FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND
FDSCX - US3159123039 5.00%
The portfolio is a straightforward all‑stock mix, anchored by a large US core. About half sits in a broad US large‑cap index fund, with another quarter in developed international stocks. The rest is split across mid‑cap, small‑cap, and emerging markets funds, giving a nice spread across company sizes and regions while still being simple to manage. This structure matters because it balances familiarity with global diversification in a way many investors overlook. Overall, the design leans toward long‑term growth rather than stability or income. For someone comfortable with market swings, this kind of core‑and‑satellite setup is a solid, easy‑to-understand foundation.
Growth
From 2016 to early 2026, $1,000 grew to about $3,269, which is a compound annual growth rate (CAGR) of 12.62%. CAGR is like your average speed on a long road trip — it smooths out all the ups and downs. The portfolio slightly trailed the US market but beat the global market, which is actually a healthy pattern for a diversified mix. The max drawdown, or worst peak‑to‑trough drop, was about ‑35%, very similar to the benchmarks, and it recovered in around five months after the 2020 crash. That shows it participated fully in shocks but also in the rebound, consistent with an all‑equity growth approach.
Projection
The Monte Carlo projection uses past returns and volatility to simulate many possible futures, like rolling loaded dice 1,000 times to see the range of outcomes. Here, the median 15‑year outcome turns $1,000 into about $2,697, with a wide but reasonable band from roughly $1,713 to $4,064 in the middle half of scenarios. The average annualized return across simulations is about 7.95%, comfortably above the assumed cash return. That said, around three in ten runs still end below the starting value, reminding you that stocks can underperform for long stretches. Monte Carlo models are helpful planning tools, but they lean heavily on historical patterns that might not repeat.
Asset classes
- Stocks 100%
Everything is in stocks, so this is a pure equity portfolio with zero ballast from bonds or cash. Asset classes are basically the big buckets — stocks, bonds, real estate, etc. — that behave differently in various economic conditions. An all‑stock mix maximizes long‑term growth potential but also maximizes exposure to market swings, especially during recessions or rate shocks. For a “balanced” risk profile, relying solely on equities is on the racier side, even if diversified by region and size. This can work well for long horizons and strong stomachs, but it means short‑term portfolio value will likely bounce around more than a classic blend that mixes in steadier assets.
Sectors
- Technology 22%
- Financials 16%
- Industrials 15%
- Health Care 10%
- Consumer Discretionary 10%
- Telecommunications 7%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 4%
- Utilities 3%
- Real Estate 3%
Sector exposure is quite well spread: technology leads at 22%, followed by financials, industrials, health care, and consumer areas, with no single sector dominating excessively. That’s close to broad global equity benchmarks, which is a positive sign for diversification. Tech‑heavy lineups can be very sensitive to interest‑rate changes and sentiment cycles, but here the tilt is moderate rather than extreme. Smaller slices in energy, utilities, and real estate add some cyclical and defensive balance. The practical takeaway is that returns will largely track the global economic cycle rather than hinge on one theme, which reduces the risk of being badly out of step if a single industry falls out of favor for several years.
Regions
- North America 65%
- Europe Developed 17%
- Japan 6%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 2%
- Latin America 2%
- Africa/Middle East 1%
- Europe Emerging 1%
Geographically, about 65% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a modest slice in emerging regions. That US‑heavy skew is pretty typical and broadly in line with global market weights, which is encouraging: it means you’re not making a big regional bet. The developed‑market diversification helps if one major economy stumbles, while the smaller emerging allocation adds some growth potential without dominating risk. Currency and political risks are present but balanced across many countries. Overall, this is a geography profile that looks a lot like “the world,” which is usually a good starting point for long‑term investors.
Market capitalization
- Mega-cap 37%
- Large-cap 32%
- Mid-cap 23%
- Small-cap 6%
- Micro-cap 1%
By market cap, the mix leans toward mega‑ and large‑cap companies (about 69% combined), with meaningful mid‑cap exposure and smaller allocations to small and micro‑caps. Market capitalization just measures company size; bigger firms tend to be more stable, while smaller ones can be more volatile but sometimes grow faster. This spread is healthy: large caps provide a smoother ride and plenty of liquidity, while the mid/small‑cap slice adds extra growth torque. The key implication is that performance will feel broadly similar to standard large‑cap indexes, but with a bit more punch — and wobble — from the mid and small company exposure, especially during strong economic expansions or sharp downturns.
Factors
Factor exposure here is nicely balanced, with value, size, momentum, quality, and low volatility all sitting near neutral, meaning the portfolio behaves much like the broad market on those fronts. Factors are like underlying “personality traits” of stocks that research links to returns. The only notable tilt is a lower exposure to yield, which lines up with the all‑equity, growth‑oriented design and modest overall dividend level. This mix should avoid big surprises tied to niche factor bets — for example, it’s not overly “value heavy” or “momentum obsessed.” In practice, that means results will be driven more by the general stock market than by specialized factor cycles, which keeps things straightforward.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 50.00% 52.7% -
FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 25.00% 22.5% -
FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 10.00% 11.1% -
FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND
Weight: 10.00% 7.7% -
FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND
Weight: 5.00% 5.9%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its simple weight. The US 500 Index fund is 50% of assets but about 53% of total risk, so it slightly dominates performance — understandable given its size. The mid‑cap and small‑cap funds punch a bit above their weight in risk terms, while international and emerging markets contribute slightly less than their allocations. The top three positions together account for over 86% of portfolio risk, so they effectively set the tone. If someone wanted risk to feel more evenly shared, adjusting those core weights would be the main lever rather than tinkering with the smaller satellite holdings.
Redundant positions
-
High correlationFIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASSFIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND
The small‑cap and mid‑cap funds are highly correlated, meaning they tend to move almost in lockstep. Correlation is simply how often two investments go up or down together; when it’s high, you get less diversification benefit than the number of holdings suggests. Here, the overlap means that, during rallies or sell‑offs in smaller US companies, both funds will amplify the same move. That can be fine if the goal is to emphasize that segment, but it’s useful to recognize that these aren’t truly independent bets. In a sharp small‑ and mid‑cap slump, the impact will feel larger than their combined 15% weight might initially imply.
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 below the efficient frontier, with a Sharpe ratio of 0.55. Sharpe compares return to volatility — higher means more reward per unit of risk. The optimal mix of these same holdings (no new funds added) could reach a Sharpe of 0.79, while even the minimum‑risk version scores higher at 0.67. Being about 1 percentage point below the frontier at this risk level means the same volatility could theoretically deliver better expected return just by reweighting. The good news is the building blocks are strong; there’s simply some headroom to tune weights and get more “bang for your risk buck.”
Dividends
- FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND 0.60%
- FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 4.10%
- FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.10%
- FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.00%
- Fidelity 500 Index Fund 0.90%
- Weighted yield (per year) 1.75%
The overall dividend yield of about 1.75% is on the lower side, reflecting a growth‑tilted equity mix and significant exposure to markets where companies reinvest rather than pay large dividends. Dividend yield is just the cash payout relative to price, like getting a yearly “rent” check from your shares. Some pieces, like emerging markets and developed international, contribute more income, while small‑cap and US large‑cap growth areas contribute less. For an investor focused on long‑term growth rather than immediate cash flow, this level is perfectly reasonable. The main takeaway is that returns here are expected to come more from price appreciation than from steady income deposits.
Ongoing product costs
- FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND 0.85%
- FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 0.97%
- FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
- FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
- Fidelity 500 Index Fund 0.02%
- Weighted costs total (per year) 0.16%
The total expense ratio (TER) of about 0.16% is impressively low for an actively flavored, globally diversified equity mix. TER is the annual fee charged by funds, quietly deducted in the background. Most of the allocation is in ultra‑cheap index funds at 0.02–0.04%, while only the small slices in small‑caps and emerging markets carry higher fees. Keeping blended costs this low is a real strength because every 0.1% saved compounds over decades. In practice, that means more of the portfolio’s gross return ends up in your pocket rather than going to fund providers, supporting better long‑term outcomes without any extra effort or complexity.
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