A highly concentrated us growth portfolio with strong tech tilt and impressive historic performance

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

Growth Investors

This setup best fits someone comfortable with meaningful market swings in pursuit of strong long‑term growth. A typical match would be an investor with a multi‑decade horizon, such as saving for retirement many years away, who can tolerate large temporary losses without panic‑selling. Goals might include maximizing wealth accumulation, supporting future lifestyle upgrades, or building a sizeable nest egg rather than generating steady income today. The person is likely more focused on long‑run compounding than on short‑term stability, accepts that big gains and big drawdowns are part of the journey, and is willing to review risk only occasionally instead of reacting to every headline or market dip.

Positions

  • Fidelity 500 Index Fund
    FXAIX - US3159117502
    28.50%
  • Schwab S&P 500 Index Fund
    SWPPX - US8085098551
    28.50%
  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    FBGRX - US3163893031
    21.50%
  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND
    FNCMX - US3159127097
    21.50%

This portfolio is very focused: four stock funds, all tied closely to large US companies, with roughly equal weight in two broad index funds and two growth‑tilted funds. Compared with a typical broad benchmark that mixes stocks, bonds, and cash, this setup is almost entirely in stocks and heavily tilted toward growth. That concentration boosts long‑term growth potential but also makes ride quality bumpier in big market drops. The structure is generally aligned with a growth objective, but overlap between the two S&P 500 funds and between the two growth funds is high. Simplifying overlapping positions could make the mix easier to manage without changing the overall strategy.

Growth Info

Historically, this mix shows a very strong compound annual growth rate, or CAGR, near 19.5%. CAGR is like your average speed on a long road trip: it smooths out the ups and downs to show what you earned per year on average. Compared with a typical stock benchmark, this indicates a clear tilt toward high‑growth names that did especially well in recent years. The trade‑off is visible in the maximum drawdown of about –32%, meaning at one point the portfolio fell roughly a third from a peak. Past performance is helpful context, but it cannot guarantee the same future results, especially if market conditions change.

Projection Info

The Monte Carlo analysis runs 1,000 simulated futures using patterns from historical returns to map a wide range of possible outcomes. It shows an annualized return across simulations above 20%, with all paths positive and the middle scenario more than doubling many times over. Monte Carlo is useful for visualizing best, worst, and typical cases, but it relies on the past behaving somewhat like the future and cannot foresee new regimes, policy shifts, or structural changes. The strong projections are consistent with a high‑growth, high‑equity allocation. Still, it can be wise to view these numbers as rough probability ranges rather than promises and to check if downside levels feel acceptable.

Asset classes Info

  • Stocks
    99%
  • Other
    1%
  • Cash
    0%
  • Not Classified
    0%
  • Bonds
    0%

Asset‑class exposure is almost pure stock at 99%, with negligible amounts in anything else. This is more aggressive than many blended benchmarks that mix in bonds and cash to smooth volatility and provide ballast during market stress. Stocks historically deliver higher long‑term growth but can suffer sharp short‑term losses. For someone with many years ahead and a strong stomach for swings, this alignment with a growth profile is coherent and intentional. For anyone with shorter timelines or large known expenses, adding even a modest allocation to stabilizing assets could reduce the emotional and financial impact of big market drops while still keeping the strategy growth‑oriented overall.

Sectors Info

  • Technology
    42%
  • Telecommunications
    14%
  • Consumer Discretionary
    12%
  • Financials
    9%
  • Health Care
    8%
  • Industrials
    6%
  • Consumer Staples
    3%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

Sector allocation is strongly tilted: about 42% in technology and meaningful stakes in communication services and consumer cyclical, with relatively small exposure to defensive areas like utilities, consumer staples, and healthcare. This pattern closely matches modern US growth indexes and has been very rewarding in an era when tech and related sectors have led markets. The flip side is higher sensitivity to interest rates, innovation cycles, and sentiment around high‑growth companies. During periods when rates rise or investors rotate toward value or defensive sectors, this kind of portfolio can lag sharply. A slight broadening toward more balanced sector exposure could smooth returns without abandoning a clear growth orientation.

Regions Info

  • North America
    98%
  • Europe Developed
    1%
  • Asia Emerging
    0%
  • Asia Developed
    0%
  • Latin America
    0%
  • Africa/Middle East
    0%
  • Japan
    0%
  • Australasia
    0%
  • Europe Emerging
    0%

Geographic exposure is almost entirely in North America, around 98%, with only tiny allocations elsewhere. Many global benchmarks hold a sizable slice in non‑US developed and emerging markets, which can sometimes perform well when US markets pause or fall behind. The current tilt aligns with the strong run US stocks have had over the last decade, so this positioning has been rewarded. However, it also concentrates risk in one region’s politics, currency, regulation, and economic cycle. Gradually adding some international exposure could provide an extra layer of diversification so that returns are less tied to the fortunes of just one country’s market.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    2%
  • Micro-cap
    1%

By market capitalization, over half of the portfolio is in mega‑cap companies, with most of the rest in big and medium‑sized firms. Only a very small slice is in small and micro caps. This mirrors major US indexes and brings advantages: mega‑caps tend to be more established, more liquid, and often more resilient in crises. The downside is that returns can become heavily driven by a handful of giant names, increasing concentration risk. This portfolio’s alignment with large‑cap benchmarks is a positive sign for stability compared with a pure small‑cap focus, but adding a bit more smaller‑company exposure could diversify growth drivers and potentially enhance long‑run return variability.

Redundant positions Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND
    High correlation
  • Fidelity 500 Index Fund
    Schwab S&P 500 Index Fund
    High correlation

The holdings fall into two highly correlated pairs: the two S&P 500 index funds move almost identically, and the two growth‑oriented funds are also closely linked. Correlation measures how assets move together; when correlation is high, they tend to rise and fall at the same time, reducing diversification benefits. In normal markets this might not feel important, but during a downturn, highly correlated holdings may all decline together, amplifying swings. The portfolio already captures broad US market and US growth exposure very effectively, so these overlaps do not add much new behavior. Streamlining redundant funds could keep the same risk‑return profile while simplifying oversight and making future allocation tweaks more straightforward.

Dividends Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 3.90%
  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND 0.50%
  • Fidelity 500 Index Fund 1.10%
  • Schwab S&P 500 Index Fund 1.10%
  • Weighted yield (per year) 1.57%

The overall dividend yield of about 1.6% fits a growth‑oriented equity portfolio, where companies often reinvest profits rather than paying high income. One of the growth funds shows a surprisingly high stated yield, which may reflect recent distributions or special events; over time, growth funds typically emphasize appreciation over steady payouts. Dividends can act like a small “paycheck” from the portfolio, helping to cushion downturns and support withdrawals, but they are only one part of total return. For someone focused on long‑term growth rather than current income, this yield level is reasonable and aligned with the strategy, though income‑focused investors might prefer higher and more stable cash flows.

Ongoing product costs Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 0.61%
  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND 0.29%
  • Fidelity 500 Index Fund 0.02%
  • Schwab S&P 500 Index Fund 0.02%
  • Weighted costs total (per year) 0.20%

The average total expense ratio around 0.20% is attractive, largely thanks to the ultra‑low‑cost index funds at 0.02%. These low fees are a major strength and line up very well with best practices for long‑term investing, since every dollar not spent on fees can keep compounding for you over time. The actively managed growth fund is noticeably more expensive, which is normal for active strategies but worth periodically reviewing to see if results justify the higher cost. If performance from that sleeve remains strong, the fee may be worthwhile. Overall, the cost structure is lean and supportive of strong long‑term outcomes.

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.

On a risk‑return chart called the Efficient Frontier, which plots the best possible trade‑offs between volatility and return using only current ingredients, this portfolio sits in the high‑return, high‑risk region. “Efficiency” here means maximizing expected return for a given level of risk, not maximizing diversification or minimizing drawdowns. Because the current holdings are highly correlated and all equity, there is limited room to move along the frontier without adding different asset types. Within the current lineup, trimming overlapping funds and slightly adjusting weights between broad market and growth exposure could nudge the mix closer to an efficient point while preserving the core growth identity.

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