A growth-focused portfolio with a strategic blend of global and small-cap exposure

Report created on Jul 26, 2025

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 well-structured, showcasing a strategic mix of global and domestic equities with a clear emphasis on growth. The allocation is heavily weighted towards stocks, with a significant portion in a total market index fund, complemented by international, small-cap value, and large-cap growth funds. This composition suggests a pursuit of broad market exposure while seeking additional growth through targeted investments in small-cap and international markets. The portfolio's diversification score indicates a thoughtful approach to spreading risk across various sectors and geographies, though it leans heavily on equities.

Growth Info

Historically, the portfolio has delivered a Compound Annual Growth Rate (CAGR) of 13.68%, with a maximum drawdown of -34.95%. These figures suggest robust growth potential tempered by significant volatility, characteristic of growth-oriented portfolios with heavy equity exposure. The days contributing to 90% of returns highlight the portfolio's sensitivity to market highs, underscoring the importance of timing in investments. Comparing this performance to benchmarks would provide further context, especially in understanding the trade-off between risk and return.

Projection Info

Monte Carlo simulations offer a forward-looking perspective based on historical data, projecting a wide range of potential outcomes. With a median projected growth of 360.4% and 971 out of 1,000 simulations showing positive returns, the portfolio demonstrates strong potential for future growth. However, it's crucial to remember that these projections are speculative and depend heavily on past market behavior, which is not a reliable indicator of future performance.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's near-exclusive investment in stocks, with a minimal cash reserve, aligns with its growth profile but also increases its risk. Diversification across asset classes could mitigate some of this risk. For instance, incorporating bonds or real estate investment trusts (REITs) could provide income and reduce volatility without significantly compromising growth potential.

Sectors Info

  • Technology
    25%
  • Financials
    18%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Real Estate
    4%
  • Basic Materials
    3%
  • Utilities
    3%

The sector allocation reveals a heavy emphasis on technology and financial services, followed by consumer cyclical and industrials. This sectoral distribution is indicative of a growth-oriented strategy but may expose the portfolio to sector-specific risks, such as regulatory changes or economic downturns affecting these industries disproportionately. Balancing sectors with historically lower correlations to economic cycles, like consumer defensive or healthcare, could enhance stability.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic distribution shows a strong bias towards North America, with meaningful exposure to developed Europe and a modest allocation to emerging and other developed markets. This concentration might limit exposure to global growth opportunities and increase vulnerability to regional economic fluctuations. Increasing allocations to underrepresented regions could enhance global diversification and access to faster-growing economies.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    9%
  • Micro-cap
    7%

The market capitalization breakdown, with a focus on mega and big cap stocks, suggests a preference for established companies likely to offer stability and consistent growth. However, the allocation to small and micro-cap stocks, although smaller, is crucial for pursuing higher growth. Balancing these allocations can optimize the trade-off between risk and return, leveraging the growth potential of smaller companies while maintaining a foundation of stability.

Redundant positions Info

  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Fidelity Total Market Index Fund
    High correlation

The high correlation between the large-cap growth and total market index funds indicates overlapping holdings that may not contribute to diversification. Identifying and reducing such redundancies can enhance the portfolio's efficiency, ensuring that each investment contributes uniquely to the portfolio's risk and return profile.

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.

Optimizing the portfolio for the Efficient Frontier could further improve its risk-return profile. This involves adjusting allocations to achieve the highest possible returns for a given level of risk. While the current composition is growth-focused, there may be opportunities to reduce overlap and introduce assets with differing correlations to refine the balance between risk and return.

Dividends Info

  • Fidelity Small Cap Value Index Fund 1.70%
  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.30%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Weighted yield (per year) 1.42%

The portfolio's overall dividend yield of 1.42% contributes to its total return, with the international fund offering the highest yield. While dividends are not the primary focus of a growth-oriented portfolio, they can provide a steady income stream and mitigate volatility. Rebalancing to optimize dividend income, without compromising growth objectives, could offer a more balanced approach to total returns.

Ongoing product costs Info

  • Fidelity Small Cap Value Index Fund 0.05%
  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Weighted costs total (per year) 0.04%

The portfolio benefits from low total expense ratios (TER), averaging 0.04%, which is commendable. Keeping costs low is crucial for enhancing long-term returns, as even small differences in fees can compound into significant impacts over time. The portfolio's cost efficiency is a strong point, supporting better net performance.

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