High octane stock rocket with semiconductor obsession and a slightly lazy risk budget
Report created on May 29, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 52.63% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.79% -
FS Fidelity Select Semiconductors Portfolio
FSELX - US3163908631 10.53% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.53% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.52%
This portfolio is basically a US total market fund wearing three different turbochargers. Over half sits in a plain-vanilla zero-fee US index, then there’s a big international sleeve, and three loud satellite bets: semiconductors, momentum, and small-cap value. It looks diversified at a glance, but under the hood it’s just “stocks, but spicier,” with every satellite leaning toward the punchier end of the spectrum. This is less a carefully curated meal and more a big bowl of index soup with three extra shots of espresso dumped in. The structure screams growth-chasing with a veneer of respectability from that boring core.
Growth
Historically, this thing has absolutely ripped: $1,000 turning into $3,556 since late 2019 and a 21% CAGR is “numbers-go-up” territory. It beat both the US and global markets by a chunky margin, so the past few years basically rewarded the exact risks this portfolio is taking. Max drawdown of -35% was only slightly worse than the market, which is almost suspiciously mild given the spice level. But 90% of returns coming from just 30 days is the catch: miss those party days and the magic trick vanishes. Past data is like yesterday’s weather forecast — looks impressive, not legally binding.
Projection
The Monte Carlo simulation takes that past behavior and stress-tests it across 1,000 random futures, then asks, “What if markets aren’t always this kind?” Median outcome of $2,731 in 15 years is a far cry from the historical rocket ride — welcome back to gravity. The likely range from about $1,800 to $4,100 says outcomes are wide, not guaranteed. And that ugly lower band down to about $970 reminds that “you roughly break even in the bad 5%” is still a thing. Simulations are just fancy dice rolls based on history; they tell you the casino odds, not the final bill.
Asset classes
- Stocks 100%
Asset class “diversification” here is basically a one-word answer: stocks. A full 100% in equities means no bonds, no cash sleeve, no diversifiers — just riding the equity rollercoaster with no seatbelt and no backup ride. Equities are the drama queens of investing: big long-term potential, equally big drawdowns when things go south. This setup is wonderfully simple but also brutally unforgiving. In a strong equity environment, it looks genius; in a rough one, it has nowhere to hide. Asset mix here isn’t a balanced meal; it’s five shots of espresso and a prayer that your hands don’t start shaking.
Sectors
- Technology 36%
- Financials 14%
- Industrials 10%
- Health Care 8%
- Telecommunications 7%
- Consumer Discretionary 5%
- Energy 5%
- Consumer Staples 4%
- Consumer Discretionary 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, technology at 36% is a full-blown lifestyle choice, not a mild tilt. Add in a concentrated semiconductor fund and you’ve basically built a portfolio that lives or dies on chips and tech-adjacent stories. Financials, industrials, and healthcare trail well behind, more like side characters than real co-stars. The rest of the sectors exist mostly so the pie chart isn’t totally embarrassing. Compared to broad indexes, this is a tech-forward remix with a big bet that the future keeps looking like the last decade. When the tech cycle smiles, this sings; when it sulks, everything suddenly feels very 2000-ish.
Regions
- North America 83%
- Europe Developed 7%
- Asia Emerging 3%
- Asia Developed 3%
- Japan 2%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is “USA or bust” with a token nod to the rest of the planet. About 83% in North America means the portfolio is essentially stapled to US market narratives, regulations, and politics. The small slices in Europe, Asia, and everywhere else look more like polite gestures than actual diversification. Yes, the US is a powerhouse, but the world is a bit bigger than one country and a couple of ADRs. This setup behaves more like a US portfolio that occasionally remembers other continents exist, not a seriously global strategy. Any big US wobble will fully register here.
Market capitalization
- Mega-cap 38%
- Large-cap 30%
- Mid-cap 16%
- Small-cap 10%
- Micro-cap 6%
The market cap mix looks diversified on paper — mega and large caps dominate, with mid, small, and even micro caps getting some space. But those small and micro names aren’t showing up for balance; they’re brought in via a dedicated small-cap value fund, i.e., the rowdiest end of the market. That means a noticeable chunk of the portfolio is tied to companies that can fly or faceplant with enthusiasm. The mega-cap side keeps things tethered to big benchmarks, but the tail risk is unmistakably higher thanks to the small fry. This isn’t a size barbell — it’s a size slingshot.
True holdings
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NV NVIDIA Corporation 0.96%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
MU Micron Technology Inc 0.92%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
AV Broadcom Inc 0.77%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.61%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.54%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
JN Johnson & Johnson 0.43%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
GO Alphabet Inc Class C 0.43%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
AM Advanced Micro Devices Inc 0.39%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
LR Lam Research Corp 0.37%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
IN Intel Corporation 0.33%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Top 10 total 5.75%
Look-through holdings show the usual suspects: NVIDIA, Micron, Broadcom, TSMC, AMD, Intel — basically the semiconductor Avengers lineup. Even with limited coverage, it’s obvious that the same chip names are popping up in multiple vehicles, stacking exposure in less-than-obvious ways. The overlap is likely worse than shown, since only ETF top 10s are counted. This means the portfolio is pretending to be diversified while quietly circling around the same cluster of high-beta tech. It’s like ordering different dishes from the menu and then realizing they all use the same hot sauce recipe with slightly different labels.
Factors
Factor-wise, this thing somehow ends up almost dead-center on every axis except yield, where it leans clearly low. Value, size, momentum, quality, and low volatility are all neutral — which is hilarious given the very intentional use of a momentum ETF and a small-cap value fund. The factor profile basically says, “All that fancy tilting just dragged you back to market average behavior, plus higher complexity.” Low yield fits with the growthy flavor: more focus on price appreciation than regular cash payouts. The personality here is less “smart factor strategy” and more “accidental factor cancellation experiment.”
Risk contribution
-
FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 52.63% 49.5% -
Fidelity Select Semiconductors Portfolio
Weight: 10.53% 16.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.79% 12.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.52% 11.6% -
Invesco S&P 500® Momentum ETF
Weight: 10.53% 9.8%
Risk contribution tells you who’s actually shaking the portfolio, not just who looks big on a pie chart. The core Fidelity total market fund pulls about half the risk, which matches its weight and behaves like a normal adult. The real troublemaker is the semiconductor fund: 10.5% weight but nearly 17% of total risk, meaning it punches way above its size. Small-cap value also slightly overpowers its weight, while the international and momentum sleeves behave more proportionally. Overall, a few spicy satellites are doing a lot of the drama work. When volatility hits, those are the ones grabbing the steering wheel.
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 vs. return chart, this portfolio manages the odd trick of being both powerful and inefficient. A 19.9% expected return with 21.6% volatility sounds wild, but its Sharpe ratio of 0.74 sits noticeably below what’s possible with the same ingredients. The efficient frontier says there’s a version of this portfolio that gets more return per unit of risk — or the same return with less nausea — just by reweighting. The max Sharpe version is way juicier but also much riskier, while the minimum variance one is calmer but duller. This mix lands in the “could try harder with what it already owns” bucket.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Fidelity Select Semiconductors Portfolio 9.50%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 0.90%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 2.11%
The total yield around 2.1% is basically “don’t quit your day job” income. Most of the lineup doesn’t pretend to be a dividend engine, and the factor profile confirms that this portfolio isn’t chasing payouts. The weird outlier is the semiconductor fund flashing a 9.5% yield, which screams “special event or anomaly,” not reliable income stream. Overall, this is a capital growth vehicle that throws off some pocket change rather than meaningful cash flow. If someone looked at this and thought “dividend strategy,” they probably misread the menu and ordered sparkling water expecting whiskey.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Fidelity Select Semiconductors Portfolio 0.60%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
Costs are actually the one area where this portfolio behaves like a responsible adult. A blended TER of 0.11% is very reasonable, especially given the active-ish spice from semiconductors and small-cap value. The high-fee semiconductor fund at 0.60% is the diva in the lineup, but the giant zero-fee core and cheap ETFs drag the average back down. This is basically a low-cost chassis with one slightly overpriced body kit bolted on. Fees aren’t what will make or break outcomes here; the risk choices and concentration are doing that job just fine without the help of expensive bloat.
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