Growth focused global equity portfolio with strong US tilt and balanced mix of styles and sizes
Report created on May 8, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
SW SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND
SWLGX - US80850L7183 32.00% -
FS FIDELITY STOCK SELECTOR LARGE CAP VALUE FUND FIDELITY STOCK SELECTOR LARGE CAP VALUE FUND
FSLVX - US3161286022 28.00% -
FT FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
FTIHX - US31635V6386 20.00% -
FS FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSMAX - US3159117437 10.00% -
SS State Street Emerging Markets Equity Ind
SSKEX - US8574921933 5.00% -
VS VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES
VSIAX - US9219376863 5.00%
This portfolio is a 100% stock mix built entirely from diversified mutual funds, with no bonds or cash buffers. Around three-fifths sits in U.S. large caps split between growth and value styles, while the rest spreads across international developed, emerging markets, and smaller U.S. companies. That structure makes it a classic growth-leaning equity basket: lots of exposure to company earnings and market cycles, and little built-in downside cushioning from safer assets. The upside is clear participation in stock market gains; the trade-off is sharper swings during downturns. Overall, the composition is relatively straightforward and easy to understand, centered on broad, diversified funds rather than concentrated single-stock bets.
Growth
From late 2017 to early 2026, a hypothetical $1,000 invested here grew to about $2,680, a compound annual growth rate (CAGR) of 12.54%. CAGR is like your portfolio’s “average speed” over the trip, smoothing out all the bumps. That return beat the global market benchmark but lagged a pure U.S. market index, reflecting the mix of strong U.S. exposure and some allocation abroad. The worst drawdown, a drop of about 35% in early 2020, was deep but recovered within roughly five months, showing resilience similar to broad markets. Only 23 trading days made up 90% of total gains, underlining how a small number of strong days can heavily influence long‑term results.
Projection
The forward projection uses a Monte Carlo simulation, which is like running the portfolio through 1,000 alternate futures based on how similar investments behaved in the past. For a $1,000 starting point over 15 years, the median outcome lands around $2,760, with a wide “likely” range between about $1,816 and $4,220. The average simulated annual return is 8.15%, and about three-quarters of simulations end with a positive result. These numbers are not forecasts or promises; they simply show a spread of plausible paths if the future vaguely rhymes with history. Real-world outcomes can be better or worse, especially if markets behave differently than in the past.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with no allocation to bonds, cash, or alternative assets. This pure-equity stance is what drives the relatively high risk score: returns are tied closely to the ups and downs of company earnings and investor sentiment, without a stabilizing layer from fixed income. In contrast, many broad benchmarks and balanced portfolios include some bonds, which typically move differently from stocks and can cushion drawdowns. The upside of a 100% stock allocation is higher long-term growth potential; the downside is that volatility and drawdowns will generally be more pronounced, especially during global market stress.
Sectors
- Technology 26%
- Financials 15%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 4%
- Real Estate 3%
- Utilities 3%
Sector exposure is reasonably well spread, with technology the largest slice at 26%, followed by financials, industrials, and consumer-oriented areas. This pattern is broadly in line with many global and U.S. equity benchmarks, which are also tech‑heavy today. A sizable tech allocation can provide strong growth when innovation and earnings momentum are favored, but tends to be more sensitive to interest rate shifts and changes in investor appetite for risk. The presence of defensive sectors like consumer staples, utilities, and health care—though smaller—adds some ballast, helping smooth performance when more cyclical areas face pressure. Overall, the sector mix looks balanced and broadly diversified.
Regions
- North America 75%
- Europe Developed 9%
- Asia Developed 5%
- Asia Emerging 4%
- Japan 3%
- Africa/Middle East 1%
- Latin America 1%
- Australasia 1%
Geographically, about three-quarters of the portfolio is in North America, with the rest spread across Europe, developed Asia, Japan, and smaller allocations to emerging regions. This is a clear U.S.-led profile, more concentrated in North America than a typical global market index, which usually has a larger share outside the U.S. That tilt has helped over this specific period, since U.S. stocks have generally outpaced many other regions. At the same time, the presence of international and emerging markets still introduces diversification benefits, as different economies and currencies can move on their own cycles, even if correlations spike during global crises.
Market capitalization
- Mega-cap 39%
- Large-cap 26%
- Mid-cap 20%
- Small-cap 10%
- Micro-cap 3%
By market cap, the portfolio is anchored in mega- and large-cap companies, which together make up about two-thirds of the exposure. Mid-caps add another 20%, while smaller and micro-cap stocks contribute a modest but meaningful slice. Larger companies tend to be more established and somewhat less volatile, offering stability and liquidity, while smaller companies can provide higher growth potential but with choppier price swings. This blend reflects a core large-cap foundation with a growth “spice” from smaller names. The distribution is broadly consistent with a diversified equity approach and aligns reasonably well with many total-market benchmarks.
Factors
Factor exposures—value, size, momentum, quality, low volatility, and yield—are all clustered around the neutral range, with yield a bit on the lower side. Factors are like underlying “personality traits” of investments that research links to long-term returns and risk patterns. A largely neutral profile means the portfolio behaves similarly to a broad market basket rather than strongly leaning into a single style like deep value or high momentum. The slightly lower yield exposure is consistent with a growth-tilted, equity-focused portfolio, where income is less of a driver than price appreciation. Overall, factor balance is a strength, avoiding extreme style bets.
Risk contribution
-
SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND
Weight: 32.00% 36.2% -
FIDELITY STOCK SELECTOR LARGE CAP VALUE FUND FIDELITY STOCK SELECTOR LARGE CAP VALUE FUND
Weight: 28.00% 26.1% -
FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 20.00% 16.3% -
FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 10.00% 12.1% -
VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES
Weight: 5.00% 5.6% - Top 5 risk contribution 96.3%
Risk contribution shows how much each fund drives the portfolio’s overall ups and downs, which can differ from its weight. The U.S. large-cap growth fund, at 32% weight, contributes about 36% of risk, slightly more than proportional. The extended market fund and small-cap value also punch a bit above their size, reflecting the higher volatility of smaller companies. In contrast, the large-cap value and international funds contribute a bit less risk relative to their allocations. With the top three holdings accounting for nearly 79% of total risk, most portfolio behavior is shaped by those core building blocks, even though the smaller funds still matter.
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.
The risk–return chart compares the current mix with an “efficient frontier,” which shows the best expected return for each risk level using the same ingredients. Here, the current portfolio has a Sharpe ratio of 0.5, below the optimal Sharpe of 0.78 and slightly under the minimum-variance portfolio’s 0.52. The current point sits about 1.11 percentage points below the frontier at its risk level, meaning that, in theory, different weights among the existing funds could improve risk-adjusted returns without adding new holdings. That said, the portfolio still falls in a reasonable range, delivering solid expected returns for a growth-oriented, all-equity structure.
Dividends
- FIDELITY STOCK SELECTOR LARGE CAP VALUE FUND FIDELITY STOCK SELECTOR LARGE CAP VALUE FUND 9.30%
- FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.50%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.50%
- SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND 0.40%
- VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES 1.80%
- Weighted yield (per year) 3.37%
The total portfolio yield is around 3.37%, with a very high contribution from the large-cap value fund and relatively low yields from the growth and extended market funds. Dividend yield is the annual cash payout as a percentage of current value, and it can be a meaningful piece of total return over time, especially when reinvested. In this portfolio, income is an important secondary component but not the only driver; price appreciation still dominates the long-term growth story. The blend of higher- and lower-yielding funds creates a moderate overall income level that fits naturally with an equity-heavy, growth-leaning approach.
Ongoing product costs
- FIDELITY STOCK SELECTOR LARGE CAP VALUE FUND FIDELITY STOCK SELECTOR LARGE CAP VALUE FUND 0.81%
- FIDELITY EXTENDED MARKET INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
- State Street Emerging Markets Equity Ind 0.07%
- SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND 0.04%
- VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES 0.07%
- Weighted costs total (per year) 0.26%
The weighted average ongoing fee (TER) across the funds is about 0.26% per year, which is impressively low for an actively tilted, globally diversified equity mix. TER, or Total Expense Ratio, is like a small annual service charge taken directly from fund assets, so lower costs leave more of the gross return in investors’ hands. Here, inexpensive index funds help offset the higher fee on the large-cap value fund. Over long periods, the difference between paying, say, 0.25% and 0.75% annually can compound into a noticeable gap. This portfolio’s cost profile is a genuine strength and supports better long-run outcomes.
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