Broad equity growth portfolio with strong momentum tilt and efficient low cost core holdings
Report created on Mar 27, 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
-
FS Fidelity Total Market Index Fund
FSKAX - US3159116934 60.00% -
VT VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
VTIAX - US9219098186 20.00% -
FL Fidelity Contrafund K6
FLCNX - US3160718363 10.00% -
FS FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSMAX - US3159117437 10.00%
The portfolio is a simple four-fund, all‑stock setup anchored by a broad U.S. total market fund at 60%. That core is complemented by 20% in international stocks, 10% in an extended U.S. market fund that adds more mid and small companies, and 10% in an actively managed large‑cap growth fund. This structure leans clearly toward growth, with no bonds or cash in the mix. A design like this is easy to understand and maintain, which is a real plus. The main implication is higher long‑term return potential alongside sharper ups and downs, so it fits investors who can handle meaningful volatility.
Growth
From mid‑2017 to early 2026, $1,000 grew to about $2,769, a compound annual growth rate (CAGR) of 13.34%. CAGR is the “average speed” of growth per year over the whole period. This slightly trailed the U.S. market by 0.30% annually but beat the global market by 2.58% per year, which is a strong result. The max drawdown of about -35% shows the depth of the worst drop, similar to broad markets. Only 24 days generated 90% of returns, underscoring how missing just a few strong days can hurt outcomes. Past performance is helpful context but never a guarantee of future results.
Asset classes
- Stocks 100%
All assets are in stocks, with 0% in bonds, cash, or alternatives. That makes the portfolio very growth‑oriented compared with many blended benchmarks that often hold 20–40% in bonds for smoother rides. A 100% stock allocation tends to produce higher long‑term expected returns but also steeper drawdowns and more emotional pressure during bear markets. This setup is well‑aligned with a growth classification and longer time horizons. For anyone needing near‑term liquidity or very stable account values, adding some defensive assets could reduce shocks, but for long‑term accumulators comfortable with volatility, this all‑equity mix is consistent with that goal.
Sectors
- Technology 27%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 10%
- Telecommunications 10%
- Health Care 10%
- Consumer Staples 5%
- Energy 3%
- Basic Materials 3%
- Real Estate 3%
- Utilities 2%
Sector exposure is fairly broad, with technology at 27% taking the lead, followed by financials, industrials, consumer areas, telecom, and health care. This pattern broadly resembles common global equity benchmarks, which is a strong indicator of diversification. The tech tilt does mean sensitivity to changes in interest rates and innovation cycles; when growth stocks cool off, this slice can be more volatile. At the same time, meaningful weights in financials, industrials, and health care provide balance across different parts of the economy. Overall, this sector mix is well‑balanced and aligns closely with global standards, while still leaning into growth‑oriented areas.
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 split across Europe, Japan, other developed Asia, and emerging regions. This is more U.S.-heavy than many global benchmarks, which often put the U.S. closer to 60% of equity exposure. That home‑country tilt has helped in the last decade because U.S. markets outperformed much of the world. The 20% international sleeve still delivers meaningful diversification, adding different currencies, economies, and policy environments. The tradeoff is that results will be strongly influenced by U.S. market cycles. For those wanting more global balance, gradually nudging international exposure higher is one possible path.
Market capitalization
- Mega-cap 40%
- Large-cap 27%
- Mid-cap 19%
- Small-cap 9%
- Micro-cap 3%
Market capitalization is tilted toward the largest companies, with roughly 67% in mega‑ and large‑caps, and the rest spread across mid, small, and a modest 3% in micro‑caps. Large‑caps usually bring more stability and liquidity, while smaller firms inject extra growth potential and volatility. This mix offers a healthy balance: the extended market fund ensures smaller companies aren’t ignored, but the overall profile still behaves mostly like a large‑cap portfolio. During periods when small‑caps lead, this setup may lag a pure small‑cap tilt, yet it avoids the sharper swings an extreme small‑cap tilt can cause. It’s a measured, mainstream size exposure.
Factors
Factor exposure is dominated by momentum at 37%, with signal coverage at 100%. Factor exposure describes how much a portfolio leans into characteristics like momentum, value, or quality that research links to returns over time. A strong momentum tilt means holdings that have recently performed well, which can boost returns in trending markets but can hurt during sharp reversals when market leadership changes quickly. Other factors such as value, low volatility, or yield don’t stand out as major tilts here, so the portfolio behaves like a growth‑ and trend‑oriented equity mix. This tilt can be attractive for return seekers but demands comfort with sudden swings.
Risk contribution
-
Fidelity Total Market Index Fund
Weight: 60.00% 61.9% -
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
Weight: 20.00% 15.7% -
FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 10.00% 11.9% -
Fidelity Contrafund K6
Weight: 10.00% 10.5%
Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its weight. The total market fund is 60% of the portfolio but contributes about 62% of risk, roughly in line with its size. The extended market fund is only 10% of assets yet adds nearly 12% of risk, reflecting its higher volatility; its risk/weight ratio is the highest. The international fund adds slightly less risk than its weight, which is typical when mixing markets. The active growth fund’s risk share roughly matches its 10% weight. This pattern indicates risk is reasonably aligned with allocations, with only a mild tilt toward risk from the extended market slice.
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 an expected return of 13.21% with 18.55% volatility, for a Sharpe ratio of 0.6. The Sharpe ratio measures return per unit of risk taken; higher is better. The optimal mix using the same holdings shows a higher Sharpe of 0.77, while the minimum variance option has the lowest risk but also a lower Sharpe of 0.47. Because the current allocation sits below the efficient frontier, simply reweighting the existing four funds could improve the risk/return tradeoff without adding anything new. The good news is the gap isn’t huge, so the current setup is directionally sound but could be fine‑tuned.
Dividends
- Fidelity Total Market Index Fund 1.10%
- FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.60%
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.40%
- Weighted yield (per year) 1.20%
The total portfolio yield is about 1.20%, with the international fund contributing the highest yield at 2.40%, and the U.S. funds yielding less. Dividend yield is the cash income investors receive as a percentage of their investment each year. For a growth‑oriented equity mix like this, most return is expected from price appreciation rather than income, so a modest yield is normal. Dividends still matter, though: they provide a small cushion during flat or down markets and can be reinvested to boost compounding over time. Income‑focused investors might find this yield low, but for long‑term growth, it’s very much in line with expectations.
Ongoing product costs
- Fidelity Contrafund K6 0.45%
- Fidelity Total Market Index Fund 0.02%
- FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
- Weighted costs total (per year) 0.08%
The weighted total expense ratio (TER) is impressively low at 0.08%, thanks to the heavy use of broad index funds with TERs between 0.02% and 0.09%. Even the active growth fund sits at a relatively modest 0.45% compared with many active peers. Costs quietly eat into returns every year, so shaving off even 0.3–0.5 percentage points annually can add up significantly over decades. This cost structure is a clear strength and supports better long‑term performance. It also means that any performance differences versus the market are driven mostly by asset mix and factor tilts, not by fees dragging things down.
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