A growth focused stock only portfolio with strong us tilt and tech concentration

Report created on Jan 30, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built almost entirely from broad stock index funds, with half in a total US market fund, a quarter in a NASDAQ-tilted growth fund, and a quarter in an international fund. That creates a clear equity-heavy, growth-oriented structure, scoring 5 out of 7 on the risk scale and broadly diversified within stocks, but not across different asset types. This matters because being 100% in stocks can mean big swings in value, especially during sharp market drops. If smoother ups and downs are important, gradually adding a small slice of lower-volatility assets could help temper the ride while keeping the core growth focus intact.

Growth Info

Historically, this mix has delivered a very strong compound annual growth rate (CAGR) of about 14.9%. CAGR is just the “average yearly speed” of growth, smoothing out the ups and downs over time. A drop of roughly 33% at the worst point shows the kind of hit that can happen in bad markets, which is very normal for a growth-heavy, stock-only approach and broadly in line with major equity benchmarks. This alignment with typical equity risk-return profiles is a positive sign. Still, past performance simply shows how this mix handled previous markets, not what it will earn in the future.

Projection Info

The Monte Carlo analysis, which runs 1,000 random “what if” paths based on historical behavior, shows a wide range of possible future outcomes. The median result around +515% suggests that if markets look anything like the past, staying invested over many years could be very rewarding. The 5th percentile around +46.5% reminds us that even in weaker scenarios, outcomes can still be positive, while the average simulated annual return sits around 15.7%. These simulations are helpful for planning, but they are not a forecast; they simply reshuffle past patterns and cannot anticipate new types of crises or regime changes.

Asset classes Info

  • Stocks
    100%

All invested money is in one asset class: stocks. That creates strong growth potential but zero built-in cushion from bonds, cash, or other stabilizing assets. Being 100% in equities tends to work best for long horizons and investors who can emotionally handle deep but temporary declines. Compared with many broad benchmarks that hold a mix of stocks and bonds, this setup is more aggressive and more exposed to big drawdowns. If future spending needs are getting closer, steadily nudging a small percentage into more defensive assets over time could better align the mix with upcoming cash needs without abandoning the growth objective.

Sectors Info

  • Technology
    33%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Telecommunications
    11%
  • Industrials
    9%
  • Health Care
    9%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio is tech-leaning, with technology around one-third, followed by meaningful weights in financials, consumer cyclical, communication services, and healthcare. This is quite similar to many broad growth-oriented benchmarks, and that alignment helps ensure you’re not taking any unusual sector bets beyond the standard market tilt. However, tech-heavy exposure often means higher volatility when interest rates rise or when growth stocks fall out of favor. If short-term swings feel uncomfortable, one approach could be to modestly favor more broadly diversified holdings over time, letting overall market weightings naturally limit any single sector’s influence.

Regions Info

  • North America
    76%
  • Europe Developed
    10%
  • Japan
    4%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about three-quarters of the portfolio is in North America, primarily the US, with the rest spread across developed and emerging markets. This US tilt mirrors many common benchmarks and has been a strong tailwind over the past decade as US markets outperformed many others. That alignment is beneficial and keeps things simple. On the flip side, it does mean that results are heavily tied to the US economy and policy. For anyone wanting more balance, gradually increasing the share in non-US broad funds over time could reduce home-country bias and provide more exposure to different economic cycles and currency moves.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    28%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    2%

By market cap, nearly half of the portfolio sits in mega-cap stocks, with the rest spread across big, mid, small, and a tiny slice of micro companies. This structure is very similar to major total-market benchmarks, which is a plus: it ensures that most money follows the biggest, most established companies while still giving some exposure to smaller, potentially faster-growing but bumpier names. That mix tends to provide a good blend of stability and growth. If you ever want to lean more aggressively, slightly increasing the share of smaller caps could raise long-term growth potential but would also increase volatility.

Redundant positions Info

  • Fidelity Total Market Index Fund
    FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND
    High correlation

The US total market fund and the NASDAQ index fund are highly correlated, meaning they usually move in the same direction at similar times. Correlation is just a measure of how assets move together; when correlation is high, you don’t get much extra diversification from holding both. Here, the NASDAQ fund mainly adds a stronger growth tilt rather than true diversification. During market downturns, both will likely fall together. If simplicity or risk control is a priority, trimming overlapping positions and relying more on a single broad fund could keep the growth profile while reducing unnecessary complexity.

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.

From a risk–return standpoint, this portfolio is already quite close to the kind of mix that would sit on an Efficient Frontier using only the current building blocks. The Efficient Frontier is just the set of combinations that deliver the best possible tradeoff between risk and return. Because two of the funds are very similar and highly correlated, efficiency could be improved by reducing overlap, not by adding more complexity. It’s worth remembering that “efficient” only means best risk-return ratio for these ingredients; it doesn’t automatically optimize for goals like income, simplicity, or specific personal constraints.

Dividends Info

  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND 0.50%
  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.50%
  • Weighted yield (per year) 1.25%

The overall dividend yield is about 1.25%, which is modest and typical for a growth-tilted, stock-only portfolio. Dividend yield is the yearly cash payout as a percentage of your investment; a lower yield usually signals more focus on companies that reinvest profits for growth instead of paying them out. That’s perfectly consistent with a growth strategy and aligns with how broad US and international growth-leaning benchmarks behave. For investors not relying on current income, this structure works well. If future spending from the portfolio becomes important, gradually shifting a slice into higher-yielding holdings could support more predictable cash flows.

Ongoing product costs Info

  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND 0.29%
  • Fidelity Total Market Index Fund 0.02%
  • Weighted costs total (per year) 0.08%

The blended ongoing cost (TER) of about 0.08% is impressively low, especially given the broad global exposure. TER, or total expense ratio, is the annual fee charged by funds; keeping it low means you keep more of the returns for yourself, which compounds meaningfully over decades. This cost profile is clearly in line with best practices and supports strong long-term performance. The one slightly higher-cost fund is still inexpensive in absolute terms. If you ever consider tweaks, checking whether cheaper, broad alternatives exist for more expensive pieces can shave off a few extra basis points without changing the overall strategy.

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