Broad mostly US stock index mix with low costs and balanced behavior over recent years
Report created on Apr 22, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
FS Fidelity Total Market Index Fund
FSKAX - US3159116934 75.00% -
FT FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
FTIHX - US31635V6386 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 5.00%
This portfolio is a simple three-fund setup that is fully invested in stocks. About three-quarters sits in a broad US total market index, one-fifth in an international stock index, and a small 5% tilt goes to a NASDAQ 100 ETF. Structurally, that means the core is diversified across thousands of companies, with a modest extra emphasis on large US growth names through the NASDAQ slice. A concentrated but broad-based structure like this is common for stock-focused index portfolios. It makes the behavior relatively easy to understand: most ups and downs will follow global equity markets, with a noticeable but not dominant boost from big US growth companies when they perform strongly.
Growth
From late 2020 to mid-2026, $1,000 invested in this mix grew to about $2,039, a compound annual growth rate (CAGR) of 13.87%. CAGR is like average speed on a road trip, smoothing out bumps along the way. The portfolio slightly trailed the US market benchmark but modestly beat the global market. Its worst peak-to-trough fall, or max drawdown, was about -26.3%, broadly in line with global stocks. It took around 15 months to recover, which is a typical pattern for equity-heavy portfolios. This history shows strong returns but also meaningful swings, underscoring how equity markets can be rewarding yet bumpy.
Projection
The forward projection uses a Monte Carlo simulation, which is basically a big what-if machine. It takes historical return and volatility patterns and spins out 1,000 possible 15-year paths to show a range of outcomes instead of a single guess. Here, the “most likely” middle outcome turns $1,000 into about $2,698, but the central band runs from roughly $1,744 to $4,111. There’s also a wide outer range from about $960 to $7,656. These numbers highlight uncertainty: past data shapes the scenarios, but it can’t predict future markets. The main takeaway is that long-term outcomes fan out widely, even for a simple index-based portfolio.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds, cash, or alternative assets. That makes its asset-class exposure very straightforward: returns are driven entirely by equity markets. Stocks historically have offered higher long-term growth than bonds, but with larger and more frequent swings. Compared with blended stock–bond benchmarks, a 100% equity allocation usually experiences bigger drawdowns and more volatility. The upside of this clear-cut exposure is simplicity and transparency; the trade-off is that there is no built-in dampener from more defensive asset classes during market stress, so performance will closely track equity cycles.
Sectors
- Technology 29%
- Financials 14%
- Industrials 11%
- Health Care 9%
- Consumer Discretionary 9%
- Telecommunications 9%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
- Consumer Discretionary 1%
Sector exposure is fairly broad, with technology as the largest slice at 29%, followed by financials, industrials, health care, consumer areas, telecom, and smaller weights in energy, materials, utilities, and real estate. This pattern closely resembles a typical global equity market, where tech and financials often dominate. A tech-tilt like this can benefit from innovation and growth phases, but it may feel more volatility during periods of rising interest rates or when growth stocks fall out of favor. The broad spread across many sectors, though, helps ensure that no single economic theme completely drives the portfolio’s behavior.
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 across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions, Australasia, and Africa/Middle East. This is somewhat more US-tilted than a purely global market-weighted index, which gives the US a large but slightly smaller share. A strong US focus has been beneficial over the last decade, given US market strength, but it does mean outcomes are heavily linked to one economy and currency. The international allocation still adds diversification, giving exposure to different growth drivers, currencies, and policy environments across the rest of the world.
Market capitalization
- Mega-cap 43%
- Large-cap 31%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 2%
The portfolio is tilted toward mega- and large-cap companies, which together make up around three-quarters of the exposure. Mid-caps add another meaningful layer, and there is still a modest slice in small- and micro-caps. Larger companies tend to offer more stability, deeper resources, and greater index presence, while smaller ones can be more volatile but sometimes deliver stronger growth spurts. This spread reflects a typical total-market approach, where giants naturally dominate but smaller businesses are still represented. The result is a blend of stability from big names and some additional growth potential and idiosyncratic movement from the smaller segments.
True holdings
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NV NVIDIA Corporation 0.45%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 0.36%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 0.29%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 0.24%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
ME Meta Platforms Inc. 0.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 0.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
GO Alphabet Inc Class A 0.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 0.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class C 0.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
WM Walmart Inc. 0.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 2.38%
The look-through snapshot of top holdings, limited to ETF top-10 data, shows familiar large US technology and consumer names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. None are held directly; they appear via the index funds and the NASDAQ ETF. Individually, these exposures are small, each well under 1% of the portfolio, reflecting broad diversification. Overlap across funds does create some concentration in these large growth companies, but at modest levels. Because only top-10 ETF positions are captured, total overlap is likely higher than shown, yet the available data still indicates no single company dominates overall risk or return.
Factors
Factor exposures are broadly neutral across value, size, momentum, quality, and low volatility, all sitting around the 50% mark. Factor exposure describes how much a portfolio leans into certain return “ingredients” that researchers have linked to long-term performance. A neutral profile means this mix behaves similarly to a broad market index, without strong tilts toward cheap stocks, small caps, recent winners, or defensive names. The one mild deviation is a lower yield score, consistent with a growth- and tech-leaning equity mix. Overall, behavior is likely to track the market’s general mood rather than any specific factor theme dominating.
Risk contribution
-
Fidelity Total Market Index Fund
Weight: 75.00% 78.0% -
FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 20.00% 15.7% -
Invesco NASDAQ 100 ETF
Weight: 5.00% 6.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the US total market index is 75% of the value but contributes about 78% of the risk, which is pretty proportional. The international fund, at 20% weight, contributes around 16% of risk, slightly less thanks to diversification and somewhat different behavior from US stocks. The NASDAQ ETF is only 5% by weight but contributes about 6.3% of risk, reflecting its higher volatility. Overall, risk is concentrated mainly in the US core, which aligns with its dominant allocation.
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 vs. return chart shows the current portfolio sitting on or very near the efficient frontier. The efficient frontier is the curve of best possible return for each risk level, using only these holdings but in different weightings. The current Sharpe ratio, a measure of return per unit of risk, is 0.63, compared with 0.81 for the optimal mix and 0.76 for the minimum-variance blend. Those differences are modest, suggesting this allocation is already quite efficient. In other words, given these three building blocks, the current weights capture a solid balance of risk and reward without obvious inefficiencies.
Dividends
- Fidelity Total Market Index Fund 1.00%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.60%
- Invesco NASDAQ 100 ETF 0.50%
- Weighted yield (per year) 1.30%
The overall dividend yield is about 1.3%, combining a roughly 1.0% yield from the US total market fund, a higher 2.6% from the international index, and a low 0.5% from the NASDAQ ETF. Dividend yield measures the cash income paid out each year relative to the portfolio’s value. This level is on the lower side compared with income-focused equity strategies but typical for a growth-oriented, US-heavy stock mix. It means most of the portfolio’s historical and expected return comes from price movement rather than cash payouts. For total return investors, dividends still play a role but are not the primary driver here.
Ongoing product costs
- Fidelity Total Market Index Fund 0.02%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
- Invesco NASDAQ 100 ETF 0.15%
- Weighted costs total (per year) 0.03%
Costs are impressively low, with a weighted total expense ratio around 0.03% per year. The US total market fund charges only 0.02%, the international index 0.06%, and the NASDAQ ETF 0.15%. The expense ratio is the annual fee charged by funds, taken directly from returns. Even small differences can compound significantly over decades, so starting from a very low base is a major structural advantage. This cost profile is better than many comparable index-based portfolios, supporting stronger net returns over time. It also means performance differences versus benchmarks are more about market exposure than about drag from high fees.
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