Broad low cost core portfolio with balanced stock bond mix and moderate downside cushion

Report created on Apr 18, 2026

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.

Positions

The portfolio is built around broad index mutual funds, with about two‑thirds in stocks, a fifth in bonds, and a meaningful slice in a money market fund. Most equity risk comes from a large US index fund and a sizable international index fund, with smaller tilts to mid and small caps plus a concentrated active large‑cap growth fund. This structure is very “core and satellite”: simple index building blocks with one higher‑octane piece on the side. That setup is useful for someone who wants market‑like exposure with a bit of extra growth potential, while still keeping the overall mix understandable and relatively easy to monitor over time.

Growth Info

From 2016 to 2026, $1,000 grew to about $2,731, a compound annual growth rate (CAGR) of 10.61%. CAGR is like average speed on a road trip: it smooths the ups and downs into one yearly number. This lagged both the US market (14.70%) and the global market (12.09%), mainly because of the sizable bond and cash exposure. On the plus side, the worst drop was around -25%, versus about -34% for the benchmarks, and it recovered in only a few months. That shows the portfolio gave up some upside but cushioned big shocks reasonably well, which fits a balanced risk profile.

Projection Info

The Monte Carlo projection uses past returns and volatility to randomly simulate many possible 15‑year paths, like rolling dice thousands of times to see a range of futures. Here, the median outcome grows $1,000 to about $2,346, with most simulations landing between roughly $1,773 and $3,230. About 71% of paths end positive, and the average simulated annual return is 6.48%, comfortably above the assumed cash return path. Still, these numbers are not promises: they’re based on historical patterns that can change. The key takeaway is that staying invested over long periods has a good chance of beating cash, but the end result could be meaningfully higher or lower than the median.

Asset classes Info

  • Stocks
    63%
  • Bonds
    21%
  • No data
    16%

Asset‑class‑wise, around 63% in stocks and 21% in bonds is classic “balanced” territory, with bonds helping dampen volatility and provide income. The remaining slice is in instruments where the asset‑class label isn’t captured in this data, which is fine to treat as a stabilizer for planning purposes. Compared with an all‑equity benchmark, this structure naturally explains the lower growth but also the smaller drawdowns. For many investors, that trade‑off is exactly what allows them to stay the course emotionally. A mix in this range tends to work best for multi‑year goals where some swings are acceptable, but large permanent losses would be hard to stomach.

Sectors Info

  • Technology
    14%
  • Financials
    10%
  • Industrials
    9%
  • Health Care
    7%
  • Consumer Discretionary
    6%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is nicely spread out: technology leads at 14%, followed by financials, industrials, health care, and consumer‑oriented areas. This looks broadly similar to diversified equity benchmarks and avoids outsized bets on any single theme. That alignment is a real positive, because it means the portfolio isn’t overly tied to one economic story, like only banks or only tech. It should participate across a wide range of business cycles. The flip side is that it won’t shoot the lights out if one hot sector dominates for a while, but that’s usually a fair trade for smoother, benchmark‑like behavior over full market cycles.

Regions Info

  • North America
    41%
  • No data
    21%
  • Europe Developed
    14%
  • Japan
    5%
  • Australasia
    2%
  • Asia Developed
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 41% of the equity exposure is flagged as North America, with good representation from developed Europe and Japan and smaller slices elsewhere. That pattern is broadly in line with global market weights and suggests a healthy level of international diversification. Being spread across major developed markets helps reduce reliance on any single economy or policy regime. When one region slows or faces political stress, others can offset some of the impact. Currency moves can still add noise in the short term, but owning multiple regions is one of the most straightforward ways to spread risk at the stock‑market level. This allocation is well‑balanced and aligns closely with global standards.

Market capitalization Info

  • Mega-cap
    26%
  • Large-cap
    19%
  • Mid-cap
    12%
  • Small-cap
    4%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

The portfolio leans mainly into mega and large‑cap stocks, with meaningful but smaller exposure to mid, small, and even some micro caps. Market capitalization just means company size; larger firms tend to be more stable, while smaller ones can be more volatile but sometimes faster‑growing. This size spread is healthy: big companies anchor the portfolio, while mid and small caps add some extra growth potential and diversification. Because the bulk is still in the largest names, overall risk stays moderate rather than aggressively tilted toward tiny, speculative companies. For many balanced investors, this “large‑cap core with a smaller size tilt” is a comfortable and common pattern.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 63%
Size
Exposure to smaller companies
Neutral
Data availability: 63%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 63%
Quality
Preference for financially healthy companies
Neutral
Data availability: 63%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 63%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure looks mostly neutral across value, size, momentum, and quality, which means the portfolio behaves similarly to a broad market in those dimensions. One factor does stand out: low volatility is notably high. The low‑volatility factor reflects stocks that have historically moved less than the market; tilting toward it can soften drawdowns but may lag in very speculative rallies. Yield is on the low side for equities, though the bond and money market pieces help on total income. Overall, this factor mix suggests a calm, benchmark‑like portfolio with a slight bias toward steadier names, well‑suited to someone who prioritizes smoother rides over chasing every hot theme.

Risk contribution Info

  • Fidelity 500 Index Fund
    Weight: 26.29%
    41.8%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 22.27%
    30.8%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 6.40%
    10.8%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 5.00%
    9.6%
  • JPMORGAN LARGE CAP GROWTH FUND CLASS R6
    Weight: 3.38%
    6.0%
  • Top 5 risk contribution 98.9%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ a lot from simple weight. Here, the top three positions account for over 80% of total risk, with the main US index fund alone contributing about 42% despite being just 26% of assets. The mid and small‑cap funds, plus the active growth sleeve, punch above their weight in risk terms as well. That’s not inherently bad, but it means performance is largely dictated by a handful of equity funds. If those core holdings have a rough patch, the overall portfolio will feel it, even though bonds and cash provide some cushioning on the side.

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 0.46, which measures return per unit of volatility above cash. The efficient frontier shows better risk‑adjusted combinations are possible using the same funds but different weights; the current mix sits about 4.4 percentage points below that curve at its risk level. The “optimal” point here is very aggressive, with much higher risk and return than a typical balanced investor might want, so it’s more of a mathematical extreme than a realistic target. Still, the takeaway is that small reweighting within these holdings could slightly improve efficiency, even though the present allocation is already broadly sensible for a moderate risk profile.

Dividends Info

  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.00%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.90%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.00%
  • Fidelity 500 Index Fund 1.10%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.40%
  • JPMORGAN LARGE CAP GROWTH FUND CLASS R6 11.00%
  • Vanguard Federal Money Market Fund Investor Shares 3.70%
  • Weighted yield (per year) 2.71%

The overall dividend yield sits around 2.71%, combining modest stock payouts with higher income from bonds and the money market fund. Dividend yield is simply the cash paid out each year as a percentage of the fund price. Most of the equity pieces yield roughly 1–3%, in line with broad markets, while the bond index and money market currently provide more income. One outlier is the reported double‑digit yield on the large‑cap growth fund, which is unusual for a growth strategy and may involve special or non‑recurring distributions. In any case, this setup offers a reasonable blend of growth potential and ongoing cash flow without leaning heavily on any single income source.

Ongoing product costs Info

  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • Fidelity 500 Index Fund 0.02%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • JPMORGAN LARGE CAP GROWTH FUND CLASS R6 0.44%
  • Weighted costs total (per year) 0.04%

Costs are a quiet but powerful driver of long‑term results, and here they’re impressively low. The index building blocks all charge around 0.02–0.04% per year, which is about as cheap as it gets. Even the active growth fund, at 0.44%, is relatively restrained compared with many active peers. The blended total expense ratio of roughly 0.04% means almost every dollar of return stays in the investor’s pocket rather than going to fees. Over decades, that advantage compounds meaningfully. Structurally, this is a real strength of the portfolio and a solid foundation for long‑term compounding, especially compared with portfolios built from higher‑fee active funds.

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