Broad stock index mix tilted to US growth with low costs and moderate global diversification
Report created on Apr 16, 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 55.00% -
FS FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSSNX - US3161461823 25.00% -
FT FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
FTIHX - US31635V6386 20.00%
This portfolio is a simple three‑fund mix holding only stock index funds, with 55% in a broad US large‑cap index, 25% in US small caps, and 20% in non‑US stocks. That creates a clear tilt toward US companies and growth assets rather than bonds or cash. A setup like this is easy to understand and maintain, which is a big plus for many investors. The trade‑off is that all the risk is tied to stock markets, so there’s no built‑in cushion from safer assets. For someone comfortable with that, it’s a clean, growth‑focused foundation that can be adjusted later with bonds or cash if needed.
Growth
Over roughly a decade, $1,000 grew to about $3,302, giving a compound annual growth rate (CAGR) of 12.97%. CAGR is like your average speed on a long trip – smoothing out the bumps to show long‑term pace. This trailed the US market by 1.77 percentage points per year but slightly beat the global market by 0.53 points, so results were solid but not top‑tier versus pure US exposure. The max drawdown of about -35% during early 2020 shows this portfolio can drop sharply in a crisis. That level of decline is very normal for an all‑stock growth setup and lines up with its risk classification.
Projection
The Monte Carlo projection takes past returns and volatility and simulates many possible 15‑year paths to estimate future ranges. Think of it like running the same coin toss game 1,000 times to see the spread of outcomes, not just one guess. Here, the median outcome grows $1,000 to about $2,824, with a wide but realistic range from roughly $1,034 to $8,240. The average simulated annual return of 8.47% is lower than the historical 12.97%, reflecting more conservative assumptions. As always, these are “what‑if” scenarios, not promises; markets can behave very differently from the past.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That’s a classic “growth investor” profile: higher expected long‑term returns but bigger swings along the way. Without bonds to act as shock absorbers, drawdowns will usually be deeper and recoveries more emotionally demanding. The benefit is simplicity and maximum exposure to global corporate growth. For someone still many years from needing the money, this can be a sensible stance. Closer to spending time, many people prefer adding some lower‑risk assets to reduce the chance of having to sell after a big downturn.
Sectors
- Technology 25%
- Financials 15%
- Industrials 12%
- Health Care 11%
- Consumer Discretionary 10%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 4%
- Real Estate 3%
- Utilities 3%
Sector exposure is fairly broad, with technology the largest at 25%, followed by financials, industrials, health care, and consumer areas. This is similar to many broad equity benchmarks where tech tends to dominate, and that alignment is a positive sign for diversification. A tech tilt can boost growth in strong economic periods but may be more sensitive when interest rates rise or when markets rotate toward more defensive businesses. The smaller weights in utilities, real estate, and staples mean less ballast from typically steadier sectors, so the ride may feel more “equity‑like” during sharp market moves.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% is in North America, with the rest spread moderately across Europe, Japan, other developed Asia, and emerging regions. Compared with global benchmarks where the US is big but not this dominant, this is clearly US‑tilted. That has helped over the last decade as US stocks outperformed many regions, and your portfolio has captured much of that strength. The flip side is that economic, political, or currency shocks centered on the US would strongly influence overall returns. The smaller but present allocations abroad at least introduce other growth engines and currencies into the mix.
Market capitalization
- Mega-cap 35%
- Large-cap 26%
- Mid-cap 15%
- Small-cap 13%
- Micro-cap 11%
By market cap, there’s a healthy blend: about 61% in mega and large caps, with the remainder in mid, small, and even micro caps. This is more small‑cap‑heavy than a typical broad market index, largely because of the dedicated 25% small‑cap fund. Smaller companies often have higher growth potential but also more volatility and sensitivity to economic cycles. Larger companies tend to be more stable and dominant in their industries. This blend means the portfolio can participate in both stable blue‑chip growth and more explosive smaller‑company rallies, but also experience sharper swings when smaller companies struggle.
Factors
Factor exposure is impressively balanced across value, size, momentum, quality, and low volatility, all sitting in a neutral, market‑like range. Factor exposure describes how much a portfolio leans into certain traits that research links to returns, like favoring cheap stocks (value) or stable ones (low volatility). Here, there isn’t a strong tilt in any direction, which means behavior should broadly resemble the overall stock market. Yield is mildly low, reflecting the growth‑oriented and small‑cap elements – higher yield often comes from more mature, slower‑growing companies. For someone wanting market‑like behavior with modest income, this is a clean, diversified profile.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 55.00% 53.8% -
FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 25.00% 30.4% -
FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 20.00% 15.8%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The 500 Index is 55% of the money and contributes about 54% of the risk, so it’s very proportional. The Small Cap Index is 25% of the money but contributes over 30% of the risk, meaning it’s the “spicier” piece. The international fund is 20% of assets but only around 16% of risk, so it slightly dampens volatility. If volatility felt too high, one way to dial it down could be reducing the small‑cap slice rather than touching the other two.
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 has a Sharpe ratio of 0.54 with about 18.17% volatility and 13.85% expected return. The Sharpe ratio compares return to risk, like “miles per gallon” for your portfolio. The efficient frontier using your three funds suggests that, at the same risk level, a different mix could boost the Sharpe to around 0.8 and expected return to 15.53%. That means the current weights sit below the frontier by about 1.68 percentage points. The positive takeaway: there’s room to improve risk‑adjusted returns just by reweighting what you already hold, without adding new investments.
Dividends
- FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.00%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.50%
- Fidelity 500 Index Fund 1.10%
- Weighted yield (per year) 1.36%
The overall dividend yield is about 1.36%, with US small caps at 1.0%, the 500 Index at 1.1%, and international stocks higher at 2.5%. Dividend yield is the cash income you get each year as a percentage of what you’ve invested, separate from price moves. This level is on the low side, which is consistent with a growth‑oriented, equity‑only mix, especially with a small‑cap tilt. It means more of the total return has historically come from price appreciation rather than income. For someone not relying on the portfolio for current cash flow, that’s usually perfectly fine and tax‑efficient.
Ongoing product costs
- FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
- Fidelity 500 Index Fund 0.02%
- Weighted costs total (per year) 0.03%
The cost side is a real strength. With fund expense ratios of 0.02%–0.06% and a blended total of about 0.03%, this setup is extremely low‑cost. Expense ratios are like a small annual “membership fee” paid as a percentage of assets; shaving even fractions of a percent can compound into big differences over decades. Here, costs are aligned with best‑in‑class index funds and support strong long‑term performance. This allocation is well‑balanced on the fee front and closely matches what many institutional investors aim for. Keeping costs this low is one of the few sure ways to tilt the odds in your favor.
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