A growth-oriented portfolio with a strong focus on technology and international exposure

Report created on Aug 16, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards technology, with the Fidelity Select Semiconductors Portfolio representing 43% of the total. The inclusion of the Fidelity Contrafund, Fidelity Value Fund, and Fidelity International Capital Appreciation Fund adds diversity, but the overall emphasis on technology and growth-oriented assets is clear. The portfolio's diversification is broad, with a mix of geographic regions and sectors, though technology dominates. The asset allocation is almost entirely in stocks, with minimal allocations to other asset classes, reflecting a growth-focused strategy.

Growth Info

Historically, the portfolio has performed impressively, with a Compound Annual Growth Rate (CAGR) of 17.18%. However, it has also experienced significant volatility, as indicated by a maximum drawdown of -40.36%. This suggests that while the portfolio has the potential for high returns, it comes with considerable risk. The days contributing most to returns are relatively few, highlighting the impact of short-term gains on overall performance.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential future performances, with a median increase of 424.7%. This indicates optimism for future growth but also underscores the uncertainty inherent in this portfolio. The simulations show a strong likelihood of positive returns, but the wide variance between the 5th and 67th percentiles highlights the risk of significant fluctuations.

Asset classes Info

  • Stocks
    98%
  • Other
    1%
  • Cash
    1%

The portfolio's allocation is heavily skewed towards stocks (98%), with a negligible presence in other asset classes. This concentration in equities is typical for growth-oriented portfolios but increases susceptibility to market volatility. Diversifying across more asset classes, such as bonds or real estate, could provide a buffer against stock market downturns.

Sectors Info

  • Technology
    53%
  • Financials
    11%
  • Industrials
    10%
  • Telecommunications
    7%
  • Consumer Discretionary
    6%
  • Health Care
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Energy
    2%
  • Consumer Staples
    1%
  • Real Estate
    1%

The technology sector's dominance (53%) presents both an opportunity for high returns and a risk of high volatility, especially in market downturns. The presence of financial services, industrials, and other sectors provides some balance, but the heavy tech weighting makes the portfolio's performance closely tied to the fortunes of the tech industry.

Regions Info

  • North America
    77%
  • Europe Developed
    14%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Japan
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

With 77% of assets in North America and significant exposures to Europe and Asia, the portfolio is well-diversified geographically. However, the limited exposure to emerging markets and regions like Latin America and Africa/Middle East suggests potential missed opportunities for growth in these high-potential areas.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    20%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    3%

The portfolio's focus on mega (46%) and big-cap (20%) companies suggests a preference for established, potentially less volatile stocks. However, the presence of medium, small, and micro-cap stocks indicates a willingness to engage with higher-risk, higher-reward investments, aligning with the portfolio's overall growth orientation.

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.

Considering the portfolio's current allocation, optimizing for the Efficient Frontier could enhance the risk-return profile. This may involve rebalancing between the existing assets to achieve a more efficient allocation, focusing on maximizing returns for the given level of risk.

Dividends Info

  • Fidelity Contrafund 0.80%
  • FIDELITY VALUE FUND FIDELITY VALUE FUND 1.30%
  • FIDELITY INTERNATIONAL CAPITAL APPRECIATION FUND FIDELITY INTERNATIONAL CAPITAL APPRECIATION FUND 0.70%
  • Fidelity Select Semiconductors Portfolio 7.20%
  • Weighted yield (per year) 3.62%

The overall dividend yield of 3.62% contributes to the portfolio's total return, with the Fidelity Select Semiconductors Portfolio offering an unusually high yield of 7.20%. While growth is the primary focus, these dividends provide a welcome income stream, adding a layer of return stability.

Ongoing product costs Info

  • Fidelity Contrafund 0.63%
  • FIDELITY VALUE FUND FIDELITY VALUE FUND 0.81%
  • FIDELITY INTERNATIONAL CAPITAL APPRECIATION FUND FIDELITY INTERNATIONAL CAPITAL APPRECIATION FUND 0.84%
  • Fidelity Select Semiconductors Portfolio 0.62%
  • Weighted costs total (per year) 0.70%

The portfolio's total expense ratio (TER) of 0.70% is reasonable for actively managed funds but higher than many index funds. Minimizing costs is crucial for long-term growth, as even small differences in fees can significantly impact net returns over time.

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