Broad low cost core index portfolio with added tech tilt and modest bond ballast

Report created on Apr 2, 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.

What type of investor this portfolio is suitable for

Balanced Investors

This setup fits an investor who is comfortable with meaningful stock market swings in pursuit of long‑term growth, but still appreciates having a small safety cushion. They’d likely have a multi‑decade horizon, such as saving for retirement or building general wealth, and are okay seeing 20–30% drawdowns without feeling forced to bail out. Dividends and income are not their main priority; they’re more interested in total return and are fine reinvesting distributions. They’re also probably cost‑sensitive and prefer simple, broad‑based index building blocks with a few targeted growth tilts rather than frequent trading or complex strategies. Patience and a steady mindset through market cycles are key traits here.

Positions

The portfolio is mainly built from two broad stock index funds, one domestic and one international, which together make up over 80% of the allocation. There is a clear growth tilt from the NASDAQ 100 and semiconductor ETFs, plus a very small speculative single stock. About 6% sits in a U.S. bond index fund, offering a bit of stabilizing ballast. This simple core‑satellite structure is easy to understand and maintain. It keeps most of the money in diversified, low-cost funds, while a smaller slice targets higher-growth themes. That balance is generally a solid approach for someone who wants growth but is okay taking some extra bumps along the way.

Growth Info

From October 2021 to late March 2026, $1,000 grew to about $1,481, giving a compound annual growth rate (CAGR) of 9.19%. CAGR is like average speed on a road trip: it smooths out the ups and downs into one yearly growth number. The max drawdown of -26.77% shows the worst peak‑to‑trough drop over the period, a good stress-test of pain tolerance. This result slightly trailed the U.S. market but beat the global market, which is actually a healthy middle ground. It says the mix of home-country focus plus some global diversification has worked reasonably well, though it isn’t chasing the most aggressive returns at any cost.

Projection Info

The Monte Carlo projection runs 1,000 simulated futures using past return and volatility patterns to create many “what if” paths. Think of it like rerunning market history with the numbers shuffled, to see a range of possible outcomes. Over 15 years, the median outcome grows $1,000 to around $2,692, with a broad but mostly positive range. About three out of four simulations end up above the starting value, and the average simulated return is 7.72% a year. This is useful for planning, but it’s not a promise: markets change, and models rely on historical behavior that may not repeat, especially over long timeframes.

Asset classes Info

  • Stocks
    94%
  • Bonds
    6%

Roughly 94% of the portfolio is in stocks and 6% in bonds, so this is clearly growth‑oriented with only a light safety net. Stocks drive long‑term growth but can swing sharply; bonds tend to move less and can soften the blow in rough markets. For a “balanced” risk label, this mix leans toward the aggressive side, yet still offers a small cushion from the bond sleeve. Over long horizons, this kind of equity‑heavy allocation often outpaces inflation and cash, but it can test nerves during big drawdowns. The key is making sure that short‑term cash needs don’t rely on this portfolio staying steady in every market.

Sectors Info

  • Technology
    30%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, technology stands out at about 30% of the equity allocation, noticeably above typical broad‑market weights. Financials, industrials, consumer areas, health care, and others are all present in smaller but meaningful slices, which keeps the portfolio from being a pure tech bet. The dedicated semiconductor ETF plus NASDAQ exposure amplify sensitivity to interest rates and innovation cycles: when growth stocks are in favor, this can boost returns; when rates jump or tech sentiment cools, volatility can spike. The broader sector spread in the core index funds helps offset this somewhat, which is a nice example of using a diversified base to support more focused tilts.

Regions Info

  • North America
    69%
  • Europe Developed
    11%
  • No data
    6%
  • Japan
    4%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, around 69% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions. This is fairly similar to many global equity benchmarks, which are naturally U.S.-heavy because of its large market size. That alignment is actually a strength, as it means the portfolio taps into the main engines of global equity returns while still reaching beyond one country. The non‑U.S. exposure adds currency and economic diversification, which can help when U.S. markets lag. The flip side is that if the U.S. underperforms for a long stretch, the overall portfolio will still feel that quite a bit due to the home bias.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    30%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

The market‑cap mix is dominated by mega‑ and large‑cap stocks, together about 73%, with mid‑caps and smaller companies making up the rest. Large companies tend to be more stable and widely followed, which can reduce idiosyncratic risk compared to concentrating in tiny names. The presence of mid‑ and small‑caps adds some extra growth potential and diversification, since these companies can behave differently across cycles. This structure closely mirrors broad index construction, which is a positive sign: it says the portfolio isn’t making big bets on very small or speculative companies. Instead, the growth tilt comes more from sector and style exposure than from shifting heavily into micro‑caps.

True holdings Info

  • NVIDIA Corporation
    1.04%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco PHLX Semiconductor ETF
  • Broadcom Inc
    0.60%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco PHLX Semiconductor ETF
  • Apple Inc
    0.49%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Microsoft Corporation
    0.36%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Micron Technology Inc
    0.30%
    Part of fund(s):
    • Invesco PHLX Semiconductor ETF
  • Amazon.com Inc
    0.29%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Tesla Inc
    0.24%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
  • Walmart Inc. Common Stock
    0.22%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Alphabet Inc Class A
    0.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Meta Platforms Inc.
    0.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Top 10 total 3.96%

Looking through the ETFs’ top holdings, there is visible exposure to mega-cap U.S. names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. None of these are held directly; their presence comes through the NASDAQ 100 and semiconductor funds. This creates some hidden concentration in a handful of tech and tech‑adjacent giants, even though each one looks small at first glance. Because only top‑10 ETF holdings are captured, the actual overlap is probably a bit higher. The takeaway is that performance will be meaningfully influenced by a relatively small group of large U.S. growth companies, especially during big market moves.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 94%
Size
Exposure to smaller companies
Neutral
Data availability: 94%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 94%
Quality
Preference for financially healthy companies
Neutral
Data availability: 94%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 94%

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 is broadly neutral across value, size, momentum, quality, and low volatility, meaning the portfolio behaves a lot like the overall market on these dimensions. Factors are basically traits, like “cheap vs. expensive” or “stable vs. volatile,” that help explain return patterns over time. A neutral profile suggests no strong systematic tilt toward bargains, small caps, recent winners, or defensive names. Yield is the one area that is meaningfully low, which fits with a growth‑focused approach: more of the return is expected from price appreciation rather than income. That’s fine for many investors, but for someone seeking regular cash payouts, this setup may feel a bit light on ongoing distributions.

Risk contribution Info

  • FIDELITY ZERO TOTAL MARKET INDEX FUND
    Weight: 57.20%
    61.1%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND
    Weight: 26.38%
    22.1%
  • Invesco NASDAQ 100 ETF
    Weight: 6.37%
    8.4%
  • Invesco PHLX Semiconductor ETF
    Weight: 4.04%
    7.8%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 5.80%
    0.4%
  • Top 5 risk contribution 99.8%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can be very different from its weight. The main U.S. total market fund is 57% of the assets but about 61% of the risk, slightly more influential than its size alone suggests. The NASDAQ 100 and semiconductor ETFs together are just over 10% by weight but contribute more than 16% of the risk, reflecting their higher volatility. The bond fund is nearly 6% of the portfolio yet adds almost no risk, acting as stabilizer. This pattern is typical: growthy satellites punch above their weight in risk terms, which is fine as long as that extra bumpiness is intentional and understood.

Redundant positions Info

  • FIDELITY ZERO TOTAL MARKET INDEX FUND
    Invesco NASDAQ 100 ETF
    High correlation

The U.S. total market fund and the NASDAQ 100 ETF move almost identically, showing very high correlation. Correlation measures how often two investments move in the same direction; when it’s close to 1, they tend to rise and fall together. That means the NASDAQ slice doesn’t add much diversification relative to the core U.S. holding; it mostly turns up the volume on the same underlying theme of large U.S. growth stocks. During broad U.S. equity sell‑offs, both will likely drop together. This doesn’t make the position “bad,” but it’s important to view it as a risk amplifier rather than a separate, smoothing diversifier.

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 efficient frontier chart, the current portfolio sits about 1.35 percentage points below the best achievable return for its risk level. The efficient frontier represents the highest expected return for each volatility level using the same ingredients but different weights. The current Sharpe ratio of 0.36, which measures return per unit of risk over cash, is okay but noticeably lower than the optimal mix’s 0.68. That suggests there is room to tweak weights among these same funds to get a better risk/return trade‑off without adding new products. Still, being reasonably close to the curve is reassuring: the structure isn’t wildly inefficient, just not fully optimized.

Dividends Info

  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.10%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.60%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
  • Invesco NASDAQ 100 ETF 0.50%
  • Invesco PHLX Semiconductor ETF 0.50%
  • Weighted yield (per year) 1.55%

The overall dividend yield for the portfolio sits around 1.55%, with most of the income coming from the bond index and international stock fund. Dividend yield is the annual payouts as a percentage of price, like rental income from a property. This level is modest, which lines up with the growth‑leaning design and low‑yield U.S. tech exposure. It means most of the expected long‑term return is from capital gains rather than cash distributions. For an investor in an accumulation phase, that’s often perfectly fine. Someone relying on their portfolio to fund living expenses, though, might need to combine this with other income sources or adjust expectations about steady cash flows.

Ongoing product costs Info

  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco PHLX Semiconductor ETF 0.19%
  • Weighted costs total (per year) 0.02%

Costs are a clear strong point here. The main bond index charges just 0.02%, while the NASDAQ 100 and semiconductor ETFs are also relatively inexpensive given their focus. The overall weighted expense ratio lands around 0.02%, which is extremely low by industry standards. Fees work like slow leaks in a bucket: small each year, but they compound over decades. Keeping them this low lets more of the portfolio’s gross return stay in your pocket. This cost discipline is very much aligned with best practices and provides a solid structural advantage versus many actively managed or higher‑fee approaches that chase similar exposures.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey