Growth-focused portfolio with a strong foundation in diversified funds and a tilt towards technology

Report created on Jul 18, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio exhibits a robust composition, primarily weighted towards equity funds, with a significant emphasis on the Fidelity 500 Index Fund and international growth opportunities. The allocation towards equity (93%) versus bonds (5%) underscores a growth-oriented strategy, leaning heavily on stock market performance. The diversity of funds, including sector-specific and geographic diversification, suggests an attempt to balance risk and return. However, the heavy reliance on a few top holdings may increase volatility and concentration risk.

Growth Info

Historically, this portfolio has shown a compelling Compound Annual Growth Rate (CAGR) of 15.35%, with a notable drawdown during market downturns. The days contributing most significantly to returns highlight the portfolio's susceptibility to market volatility. While past performance is strong, it's important to remember that it's not a guaranteed indicator of future returns. Comparing this performance to relevant benchmarks would further contextualize its success, helping to understand its relative strength in various market conditions.

Projection Info

Monte Carlo simulations, projecting 1,000 potential future scenarios, suggest a wide range of outcomes with a median increase of 382.3%. While this indicates strong growth potential, the wide variance between the 5th and 67th percentiles underscores the inherent uncertainty in financial markets. These projections are useful for understanding potential volatility but should be considered alongside other planning tools, as they are based on historical data and cannot predict future market shifts accurately.

Asset classes Info

  • Stocks
    93%
  • Bonds
    5%
  • Cash
    1%
  • Other
    1%

The portfolio's asset allocation leans heavily towards stocks, with a minor allocation in bonds and minimal in cash and other classifications. This distribution aligns with a growth-focused strategy but may carry higher volatility. Diversification across asset classes can mitigate risk, and while this portfolio has a strong equity foundation, introducing more bonds or alternative assets could provide a buffer against stock market fluctuations.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Industrials
    14%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Energy
    3%
  • Real Estate
    2%
  • No data
    2%

Sector allocation is heavily weighted towards technology, financial services, and industrials, reflecting a pursuit of growth through sectors known for innovation and economic sensitivity. While this can offer significant upside during bull markets, it may also increase the portfolio's risk during downturns. Diversifying more evenly across sectors, including more defensive areas like consumer staples or utilities, could help stabilize returns.

Regions Info

  • North America
    79%
  • Europe Developed
    12%
  • Asia Emerging
    2%
  • Japan
    2%
  • No data
    2%
  • Asia Developed
    2%
  • Latin America
    1%

Geographic exposure is predominantly in North America, with a reasonable allocation to developed European markets and minimal exposure to emerging markets. This concentration in developed markets may reduce volatility but can also limit potential gains from faster-growing economies. Broadening geographic distribution, especially towards Asian emerging and developed markets, could enhance growth prospects and diversification.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    27%
  • Mid-cap
    17%
  • Small-cap
    6%
  • No data
    2%
  • Micro-cap
    1%

The portfolio's market capitalization exposure is balanced towards mega and large-cap stocks, with some presence in mid and small-cap. This skew towards larger companies is typical for growth-oriented portfolios seeking stability and reduced volatility. However, incorporating more small and micro-cap investments could offer higher growth potential, albeit with increased risk.

Redundant positions Info

  • VICTORY SYCAMORE ESTABLISHED VALUE FUND (FORMERLY VICTORY ESTABLISHED VALUE FUND) CLASS I
    JANUS ENTERPRISE FUND CLASS I
    VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
    FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND
    FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS
    T. ROWE PRICE VALUE FUND INC. T. ROWE PRICE VALUE FUND-I CLASS
    AMERICAN MUTUAL FUND CLASS F-1
    FIDELITY LOW-PRICED STOCK FUND FIDELITY LOW-PRICED STOCK FUND
    Fidelity 500 Index Fund
    High correlation
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND
    Fidelity Total Bond K6 Fund
    High correlation

High correlation among several holdings, particularly within the same fund categories, suggests redundancy that may not contribute to diversification. This redundancy can unnecessarily expose the portfolio to specific sector or market risks without offering additional return potential. Streamlining these overlapping investments and focusing on distinct assets or sectors could enhance the portfolio's efficiency and risk-adjusted returns.

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.

Before considering optimization through the Efficient Frontier, the portfolio would benefit from addressing the highly correlated assets. Removing or reducing overlaps can improve diversification, potentially leading to a more efficient allocation. Optimization should aim to balance risk and return in a manner that aligns with growth objectives while minimizing unnecessary exposure to correlated assets.

Dividends Info

  • AMERICAN MUTUAL FUND CLASS F-1 5.70%
  • FIDELITY ADVISOR STRATEGIC INCOME FUND FIDELITY STRATEGIC INCOME FUND 3.70%
  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 5.60%
  • FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND 2.60%
  • FIDELITY INTERNATIONAL CAPITAL APPRECIATION FUND FIDELITY INTERNATIONAL CAPITAL APPRECIATION FUND 3.50%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.50%
  • FIDELITY LOW-PRICED STOCK FUND FIDELITY LOW-PRICED STOCK FUND 15.00%
  • Fidelity Select Semiconductors Portfolio 7.40%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.10%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 4.10%
  • Fidelity Total Bond K6 Fund 4.30%
  • Fidelity 500 Index Fund 0.90%
  • JANUS ENTERPRISE FUND CLASS I 6.70%
  • MFS INTERNATIONAL GROWTH FUND R6 5.50%
  • Neuberger Berman Small Cap Growth Fund Class R6 0.50%
  • T. ROWE PRICE VALUE FUND INC. T. ROWE PRICE VALUE FUND-I CLASS 8.00%
  • UNDISCOVERED MANAGERS BEHAVIORAL VALUE FUND CLASS R6 4.70%
  • VICTORY SYCAMORE ESTABLISHED VALUE FUND (FORMERLY VICTORY ESTABLISHED VALUE FUND) CLASS I 11.00%
  • VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 1.00%
  • Weighted yield (per year) 3.71%

The portfolio's dividend yield strategy is varied, with some funds focusing on high-dividend yields, contributing to total return. This approach can provide income, which is beneficial in volatile or declining markets. However, the emphasis on growth funds with lower dividend yields suggests a primary focus on capital appreciation. Balancing between growth and income-generating assets could offer a more comprehensive return profile, especially in uncertain markets.

Ongoing product costs Info

  • AMERICAN MUTUAL FUND CLASS F-1 0.64%
  • FIDELITY ADVISOR STRATEGIC INCOME FUND FIDELITY STRATEGIC INCOME FUND 0.65%
  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 0.47%
  • FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY STOCK SELECTOR SMALL CAP FUND 0.89%
  • FIDELITY INTERNATIONAL CAPITAL APPRECIATION FUND FIDELITY INTERNATIONAL CAPITAL APPRECIATION FUND 0.84%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • FIDELITY LOW-PRICED STOCK FUND FIDELITY LOW-PRICED STOCK FUND 0.89%
  • Fidelity Select Semiconductors Portfolio 0.62%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 0.44%
  • Fidelity Total Bond K6 Fund 0.30%
  • Fidelity 500 Index Fund 0.02%
  • JANUS ENTERPRISE FUND CLASS I 0.76%
  • MFS INTERNATIONAL GROWTH FUND R6 0.72%
  • Neuberger Berman Small Cap Growth Fund Class R6 0.81%
  • T. ROWE PRICE VALUE FUND INC. T. ROWE PRICE VALUE FUND-I CLASS 0.57%
  • UNDISCOVERED MANAGERS BEHAVIORAL VALUE FUND CLASS R6 0.80%
  • VICTORY SYCAMORE ESTABLISHED VALUE FUND (FORMERLY VICTORY ESTABLISHED VALUE FUND) CLASS I 0.58%
  • VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 0.05%
  • Weighted costs total (per year) 0.44%

Portfolio costs, with a Total Expense Ratio (TER) averaging 0.44%, are relatively moderate, considering the active management and specialized funds involved. Lowering costs can significantly impact long-term growth, and while the portfolio is efficiently managed cost-wise, scrutinizing individual fund expenses could uncover opportunities to enhance net returns by shifting towards lower-cost options without sacrificing strategic objectives.

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