Balanced and highly diversified portfolio with a strong emphasis on growth and global exposure

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

Balanced Investors

This portfolio is ideal for an investor with a balanced risk profile who seeks growth while maintaining a level of risk management. The investor likely has a long-term investment horizon, allowing them to weather market volatility and capitalize on the growth potential of equities globally. The substantial allocation to stocks, complemented by exposure to emerging markets and tangible assets, suits those comfortable with medium-term fluctuations in pursuit of higher returns.

Positions

  • AQR INTERNATIONAL MULTI-STYLE FUND CLASS I
    QICLX - US00203H5375
    30.00%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FSPGX - US31635V7293
    20.00%
  • AQR LARGE CAP MULTI-STYLE FUND CLASS I
    QCELX - US00203H5110
    20.00%
  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND
    FCPVX - US3163898329
    10.00%
  • GOLD PORTFOLIO GOLD PORTFOLIO
    FSAGX - US3163907807
    10.00%
  • SPDR® Portfolio Emerging Markets ETF
    SPEM - US78463X5095
    10.00%

This portfolio presents a well-structured blend of growth and value strategies across various market capitalizations and geographies. The allocation includes a significant portion in international and large-cap multi-style funds, complemented by exposure to small-cap value, emerging markets, and a tangible asset class represented by gold. This composition indicates a strategic approach to diversification, aiming to balance risk and return by spreading investments across different asset types and regions.

Growth Info

The portfolio has demonstrated robust historical performance, with a Compound Annual Growth Rate (CAGR) of 14.88%. Notably, the maximum drawdown was -33.94%, suggesting that while the portfolio has experienced significant volatility, it has also recovered and grown over time. The days contributing to 90% of returns highlight the impact of short-term significant gains, underscoring the importance of staying invested through market cycles for long-term growth.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes, with the median simulation suggesting a 514.7% increase. This forward-looking analysis, while based on historical data, offers a probabilistic view of future performance, emphasizing the portfolio's potential for substantial growth. However, it's crucial to remember that these projections are hypothetical and do not guarantee future results.

Asset classes Info

  • Stocks
    97%
  • Other
    2%
  • Cash
    0%
  • Not Classified
    0%
  • No data
    0%
  • Bonds
    0%

The portfolio's asset allocation is heavily weighted towards stocks (97%), with a minimal allocation to other asset classes. This stock-centric approach is conducive to growth but also increases exposure to market volatility. The negligible allocation to bonds or cash equivalents might limit the portfolio's ability to buffer against short-term market downturns, suggesting an opportunity to reassess the balance between growth and risk management.

Sectors Info

  • Technology
    23%
  • Financials
    19%
  • Basic Materials
    13%
  • Industrials
    12%
  • Telecommunications
    8%
  • Consumer Discretionary
    8%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

Sector allocation shows a strong emphasis on technology and financial services, followed by basic materials and industrials. This sectoral distribution aligns with a growth-oriented strategy but also exposes the portfolio to sector-specific risks. The concentration in technology and financial services, in particular, may lead to increased volatility in response to market changes affecting these industries.

Regions Info

  • North America
    62%
  • Europe Developed
    17%
  • Japan
    6%
  • Asia Emerging
    6%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographic allocation underscores a significant commitment to North America and developed Europe, with strategic positions in emerging markets and Asia. This global diversification enhances the portfolio's growth potential by tapping into various economic drivers worldwide. However, the modest exposure to emerging markets and Asia suggests room for increased allocation to these regions for potentially higher growth and diversification benefits.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    13%
  • Micro-cap
    3%

The portfolio's market capitalization breakdown indicates a balanced exposure across mega, big, and medium-sized companies, with a smaller allocation to small and micro-cap stocks. This distribution supports diversification and risk management, as larger companies tend to be more stable, while smaller companies offer higher growth potential but with increased risk.

Dividends Info

  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND 16.10%
  • GOLD PORTFOLIO GOLD PORTFOLIO 1.60%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.30%
  • AQR LARGE CAP MULTI-STYLE FUND CLASS I 20.50%
  • AQR INTERNATIONAL MULTI-STYLE FUND CLASS I 5.90%
  • SPDR® Portfolio Emerging Markets ETF 2.40%
  • Weighted yield (per year) 7.94%

The portfolio's dividend yield is notably high, driven by significant contributions from certain funds. Dividends contribute to total returns, offering a source of income and potential for reinvestment. Given the range of yields across the portfolio, there's an opportunity to balance growth and income generation according to individual financial goals and risk tolerance.

Ongoing product costs Info

  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND 0.97%
  • GOLD PORTFOLIO GOLD PORTFOLIO 0.68%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • AQR LARGE CAP MULTI-STYLE FUND CLASS I 0.41%
  • AQR INTERNATIONAL MULTI-STYLE FUND CLASS I 0.62%
  • SPDR® Portfolio Emerging Markets ETF 0.07%
  • Weighted costs total (per year) 0.45%

The portfolio's total expense ratio (TER) of 0.45% is relatively moderate, balancing cost efficiency with access to specialized funds and strategies. However, the variance in individual fund costs suggests that some positions, particularly those with higher fees, should be periodically reviewed to ensure they continue to provide value relative to their cost.

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.

The portfolio's current allocation appears to be well-positioned on the Efficient Frontier, indicating an optimal balance of risk and return based on historical data. However, continuous monitoring and rebalancing are essential to maintain this efficiency, especially as market conditions and investment goals evolve.

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