Growth oriented portfolio with strong income tilt and heavy focus on US large cap technology

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 suits an investor with a high but not extreme risk tolerance, seeking strong long‑term growth and substantial ongoing income. A typical profile would be someone comfortable with equity market swings and willing to ride out sizeable drawdowns over a 10‑year‑plus horizon. Goals could include building wealth for retirement, funding future large expenses, or generating a cash flow stream that supplements earned income. This investor is likely familiar with stock market behavior and accepts that high yields may stem from more complex strategies. Psychological comfort with volatility, patience through downturns, and discipline to stick to a plan are key traits for making the most of such a portfolio.

Positions

  • NEOS Nasdaq 100 High Income ETF
    QQQI - US78433H6751
    22.00%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF
    SPYI - US78433H3030
    21.00%
  • Fidelity® High Dividend ETF
    FDVV - US3160928400
    17.00%
  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    FBGRX - US3163893031
    12.00%
  • FIDELITY OTC PORTFOLIO FIDELITY OTC PORTFOLIO
    FOCPX - US3163891050
    12.00%
  • JPMorgan Nasdaq Equity Premium Income ETF
    JEPQ - US46654Q2030
    11.00%
  • BTCI
    BTCI
    5.00%

This portfolio is heavily tilted toward growth and income from US large‑cap stocks, with over 90% in equities and only a small sleeve in cash and other assets. The overall structure is single‑focused: several positions target similar indexes and themes, especially large US companies and the Nasdaq universe. This alignment delivers clear exposure to a powerful growth engine, but it also means that many holdings may move together. A more balanced structure would usually mix different styles, regions, and defensive components. Gradually trimming overlapping positions and adding truly different exposures can help smooth the ride without abandoning the core growth and income objectives that already work well here.

Warning Historical data is limited for this portfolio, which reduces the confidence in the calculated values.

Growth Info

The historic performance profile is very strong, with an annual Compound Annual Growth Rate (CAGR) around 19%. CAGR is the smoothed “per year” growth rate over time, like averaging your speed over a long road trip instead of looking at every speed change. A maximum drawdown of around –20% is relatively modest for a growth‑oriented equity portfolio, indicating decent downside resilience so far. However, 90% of returns coming from just five days highlights how dependent results are on a handful of strong market moves. This pattern is normal for equity markets, but it reinforces that missing key up days or trying to time entries and exits can hurt long‑term outcomes significantly.

Warning Due to limited historical data, this may show extreme values that are not realistic.

Projection Info

The Monte Carlo analysis, which runs 1,000 simulated future paths using historical patterns, points to very wide potential outcomes. Monte Carlo is like rolling dice many times to see a range of possible future portfolio values rather than one fixed prediction. Median results (around 1,213% cumulative growth) and an average simulated annual return above 20% look impressive, and only a few simulations end negative. Still, all simulations lean on past return and volatility data, which may not repeat. Structural shifts in markets, interest rates, or regulation could change future behavior. Treat these outputs more as a “risk map” than a promise, and think in terms of ranges, not precise targets.

Asset classes Info

  • Stocks
    91%
  • Cash
    5%
  • Other
    2%
  • No data
    2%
  • Not Classified
    0%
  • Bonds
    0%

With roughly 91% in stocks, almost no bonds, and only minimal cash and “other” assets, this is a pure equity vehicle. That high equity share fits a growth profile and maximizes long‑term upside potential, especially when combined with option‑based income strategies and high‑dividend holdings. The trade‑off is that portfolio value will likely swing significantly during market stress because there is little in the way of traditional ballast like bonds or defensives. For investors wanting more stability, gradually introducing other asset types—such as lower‑volatility income vehicles or explicit downside buffers—could help. Still, this allocation is well aligned with a return‑seeking mindset and matches many aggressive growth strategies in its equity dominance.

Sectors Info

  • Technology
    42%
  • Telecommunications
    13%
  • Consumer Discretionary
    7%
  • Financials
    7%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Consumer Discretionary
    4%
  • Industrials
    3%
  • Utilities
    3%
  • Energy
    2%
  • Real Estate
    2%
  • Basic Materials
    1%

Sector exposure is clearly concentrated in technology (about 42%), with meaningful weights in communication services and consumer‑oriented areas. This tilt lines up with US growth benchmarks and has historically been rewarded, especially in low‑rate, innovation‑driven environments. However, tech‑heavy portfolios may be more sensitive when interest rates rise, regulatory scrutiny increases, or sentiment shifts away from growth themes. The presence of financials, healthcare, utilities, and energy adds some balance, but they are secondary. This sector mix is well‑balanced compared to many tech‑only approaches and aligns closely with modern US benchmarks, yet further boosting defensive sectors or more stable industries could reduce drawdowns without fundamentally changing the growth core.

Regions Info

  • North America
    92%
  • Europe Developed
    2%
  • Asia Developed
    0%
  • Asia Emerging
    0%
  • Latin America
    0%
  • Japan
    0%

Geographic exposure is overwhelmingly in North America, around 92%, with only small slices elsewhere. This mirrors a “home bias” approach many US investors take and has worked very well during long periods when US markets outperformed the rest of the world. The flip side is that returns are highly tied to US economic, political, and policy conditions. If leadership rotated toward other regions, this portfolio might lag more globally spread strategies. Modest allocations to other developed and emerging markets can lower dependence on one economy and currency. Nonetheless, concentrating in North America keeps things simple, matches common US benchmarks, and aligns with an investor who wants to lean into familiar markets.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    29%
  • Mid-cap
    13%
  • Small-cap
    2%
  • Micro-cap
    0%

Market capitalization exposure is dominated by mega and large companies, with almost 80% in mega and big caps. These are well‑known, often profitable firms that tend to be more stable and liquid than smaller companies, which supports easier trading and generally lower company‑specific risk. Medium caps add some growth punch, while very small companies barely show up. This profile aligns strongly with major US benchmarks and is a solid backbone for many equity strategies. The trade‑off is less participation in potential small‑cap recoveries or early‑stage growth stories. Introducing a measured small‑ and mid‑cap sleeve could broaden diversification, but the current tilt toward large caps is sensible and conservative within a growth framework.

Redundant positions Info

  • SHP ETF Trust - NEOS S&P 500 High Income ETF
    FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    FIDELITY OTC PORTFOLIO FIDELITY OTC PORTFOLIO
    NEOS Nasdaq 100 High Income ETF
    JPMorgan Nasdaq Equity Premium Income ETF
    High correlation

Correlation measures how often assets move together; a value close to 1 means they tend to rise and fall in sync. Here, several holdings—particularly the high‑income S&P 500 and Nasdaq products, plus the blue‑chip and OTC growth funds—are highly correlated. That overlap reduces diversification benefits: in major downturns, these pieces may all decline at the same time, limiting cushioning effects. The portfolio still enjoys diversification across many individual stocks inside those products, but true “zig when others zag” behavior is limited. Simplifying overlapping exposures and consolidating into fewer, broader vehicles could maintain the same core exposures while making it easier to manage risk and monitor overall positioning.

Dividends Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 5.30%
  • Fidelity® High Dividend ETF 3.00%
  • FIDELITY OTC PORTFOLIO FIDELITY OTC PORTFOLIO 4.40%
  • JPMorgan Nasdaq Equity Premium Income ETF 10.30%
  • NEOS Nasdaq 100 High Income ETF 13.70%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 11.60%
  • BTCI 35.70%
  • Weighted yield (per year) 10.04%

The overall dividend yield around 10% is exceptionally high for an equity‑heavy growth portfolio. Much of this comes from option‑overlay (“premium income”) strategies and specialized high‑income products rather than traditional dividends alone. High yield is attractive for generating cash flow, but investors should understand that part of this income effectively comes from trading strategies that can cap upside or increase sensitivity to volatility. Yields at these levels are unlikely to be risk‑free or permanently stable. Still, the cash‑flow focus is well suited for someone wanting to spend or reinvest significant income. Monitoring whether yields remain consistent through different market cycles can help set realistic expectations.

Ongoing product costs Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 0.61%
  • Fidelity® High Dividend ETF 0.15%
  • FIDELITY OTC PORTFOLIO FIDELITY OTC PORTFOLIO 0.73%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Weighted costs total (per year) 0.52%

The blended ongoing cost (Total Expense Ratio, or TER) of about 0.52% is reasonable for an actively tilted, income‑focused growth allocation that uses option overlays and specialized funds. The costs sit higher than the cheapest plain index funds, but they are not excessive given the complexity of the strategies. Lower fees mean more of the return stays in your pocket, especially over long horizons where compounding magnifies even small differences. If similar exposures with lower costs become available, gradually shifting toward them can improve net outcomes. As it stands, the costs are impressively low for this style and support better long‑term performance than many actively managed, high‑fee alternatives.

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.

From a risk–return angle, there appears to be room to move closer to the Efficient Frontier, which represents the mix of assets that delivers the best possible return for each level of volatility. Here, “efficiency” does not mean perfect diversification or matching every benchmark; it simply means using the same building blocks in smarter proportions. Because several holdings are highly correlated and target similar indexes, small rebalancing steps—such as trimming overlapping funds and redistributing toward less‑correlated exposures—could improve the risk‑return ratio without changing the overall growth and income identity. Any optimization should be measured, data‑driven, and mindful that historical risk and return patterns may not fully repeat in the future.

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