A love affair with Fidelity that forgot about true diversification
Risk 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.
What type of investor this portfolio is suitable for
Balanced Investors
This portfolio fits someone who loves the thrill of big names and bigger numbers, with a risk tolerance that's somewhere between "Let's see what happens" and "YOLO." It's for the investor who enjoys a good gamble but might not have thought through what happens when the music stops. The short-term gains look tempting, but without a plan for the rough patches, it's like sailing without a compass — fun until you're lost at sea.
Positions
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FIDELITY LARGE CAP STOCK FUND FIDELITY LARGE CAP STOCK FUND
FLCSX - US3159124029 44.33% -
FIDELITY INTERNATIONAL VALUE FUND FIDELITY INTERNATIONAL VALUE FUND
FIVLX - US3159104898 38.45% -
FIDELITY INTERMEDIATE GOVERNMENT INCOME FUND FIDELITY INTERMEDIATE GOVERNMENT INCOME FUND
FSTGX - US31617K3032 16.93% -
Fidelity® Government Money Market Fund
SPAXX - US31617H1023 0.29%
Diving into this portfolio feels like finding out your favorite buffet only serves two types of dishes. With a whopping 44.33% in Fidelity Large Cap and 38.45% in Fidelity International Value, it's like betting on red and black at the roulette wheel and hoping for a win. The attempt at diversification is like throwing a dart blindfolded and hoping it sticks somewhere good. Broadly diversified? More like narrowly missing the point of spreading your risks.
Growth
Historically, this portfolio has been riding the roller coaster with a blindfold on, hitting a CAGR of 10.70% but with a stomach-churning max drawdown of -31.77%. It's like enjoying a sunny day at the beach and then getting hit by a tsunami. Those 31 days that made up 90% of returns? That's like banking on winning the lottery to pay off your mortgage. High risk, high stress, and not for the faint-hearted.
Projection
The Monte Carlo simulation, with its fancy 1,000 different scenarios, suggests a future where this portfolio could either be a modest success or a spectacular failure. With a 5th percentile at a measly 2.1% return, it's like saying there's a chance you'll only find loose change under the couch cushions. Yet, the 50th percentile dreams of a 138.8% return, which feels a bit like planning your retirement around an inheritance from a long-lost uncle. Optimism is good, but let's not build castles in the sky.
Asset classes
- Stocks 81%
- Bonds 15%
- Cash 4%
- Unknown 0%
- Other 0%
Looking at the asset class breakdown, we've got 81% in stocks, 15% in bonds, and a laughable 4% in cash. This allocation screams "I love the thrill!" like someone choosing to ride a unicycle on a tightrope over the Grand Canyon. It's a bold move, sure, but one gust of wind (or market downturn) and you'll wish you had a safety net.
Sectors
- Financials 24%
- Industrials 16%
- Technology 11%
- Health Care 7%
- Energy 6%
- Telecommunications 5%
- Basic Materials 5%
- Consumer Staples 4%
- Consumer Discretionary 3%
- Utilities 1%
- Real Estate 1%
- Unknown 0%
Sector-wise, this portfolio is like a kid in a candy store, grabbing at everything but only filling up on financial services (24%) and industrials (16%). The tech sector, sitting at 11%, feels like an afterthought, like remembering you left the stove on when you're already miles away. There's a world beyond the big, shiny companies, and it might be time to explore it.
Regions
- North America 41%
- Europe Developed 30%
- Unknown 17%
- Japan 8%
- Asia Developed 1%
- Australasia 1%
- Asia Emerging 0%
- Africa/Middle East 0%
Geographically, it's "America and friends," with 41% in North America and a cozy 30% in developed Europe. The exotic allure of Japan and the developed parts of Asia make a cameo, but let's not pretend this portfolio is a globetrotter. It's more like someone who's visited Paris and now thinks they're a world traveler.
Market capitalization
- Mega-cap 39%
- Large-cap 31%
- Mid-cap 9%
- Small-cap 1%
- Unknown 0%
- Micro-cap 0%
The market cap allocation is like someone who's afraid to swim too far from the shore. With 39% in mega-caps and 31% in big caps, it's clear there's a fear of the deep end where the small and micro-caps lurk. Yes, the big fish are less likely to get eaten, but they also don't move as fast. Sometimes, the real treasures are found in the uncharted waters.
Dividends
- FIDELITY INTERNATIONAL VALUE FUND FIDELITY INTERNATIONAL VALUE FUND 2.10%
- FIDELITY LARGE CAP STOCK FUND FIDELITY LARGE CAP STOCK FUND 1.50%
- FIDELITY INTERMEDIATE GOVERNMENT INCOME FUND FIDELITY INTERMEDIATE GOVERNMENT INCOME FUND 3.10%
- Fidelity® Government Money Market Fund 2.70%
- Weighted yield (per year) 2.01%
Ah, dividends – the portfolio's attempt at generating passive income is like finding coins in the couch. It's nice when it happens, but it's not going to pay the bills. With a total yield of 2.01%, it's more of a gentle pat on the back than a robust income stream. It's like expecting a trickle from a leaky faucet to fill up a swimming pool.
Ongoing product costs
- FIDELITY INTERNATIONAL VALUE FUND FIDELITY INTERNATIONAL VALUE FUND 0.87%
- FIDELITY LARGE CAP STOCK FUND FIDELITY LARGE CAP STOCK FUND 0.75%
- FIDELITY INTERMEDIATE GOVERNMENT INCOME FUND FIDELITY INTERMEDIATE GOVERNMENT INCOME FUND 0.44%
- Weighted costs total (per year) 0.74%
The costs are like a slow leak in your wallet, with the total TER sitting at 0.74%. While not the worst in the grand scheme of things, it's like paying for a gourmet meal and getting fast food. Sure, it fills you up, but you can't help wondering if there's something better out there for the price.
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.
When it comes to risk vs. return optimization, this portfolio is like a car with a powerful engine but no steering wheel. Sure, it can go fast, but good luck controlling it. The aim here should be to find the best risk-return mix, not just gunning for high returns without a thought for the bumps in the road.
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