A strongly diversified growth tilted portfolio with low costs and moderate but focused risk tilts

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 setup fits someone with a moderately high risk tolerance who still wants some downside cushioning. The ideal investor is aiming for strong long‑term growth, comfortable seeing account values move up and down in the short run as long as the long‑run trend is positive. They likely have a multi‑decade horizon or at least 10+ years before major withdrawals, and they appreciate diversification but are willing to lean into specific risk factors and sectors for extra return potential. Income today is less important than growth tomorrow. This type of investor values low costs, broad index exposure, and simple rules‑based tilts rather than heavy stock picking or frequent tactical trading.

Positions

  • Fidelity 500 Index Fund
    FXAIX - US3159117502
    60.02%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND
    FZILX - US31635T6091
    20.00%
  • Vanguard Total Bond Market Index Fund ETF Shares
    BND - US9219378356
    2.50%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares
    VTIP - US9220208055
    2.50%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    2.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    2.00%
  • VanEck Semiconductor ETF
    SMH - US92189F6768
    2.00%
  • Energy Select Sector SPDR® Fund
    XLE - US81369Y5069
    2.00%
  • Utilities Select Sector SPDR® Fund
    XLU - US81369Y8865
    2.00%
  • Amazon.com Inc
    AMZN - US0231351067
    0.83%
  • SPDR® Gold Shares
    GLD - US78463V1070
    0.83%
  • Alphabet Inc Class A
    GOOGL - US02079K3059
    0.83%
  • Microsoft Corporation
    MSFT - US5949181045
    0.83%
  • S&P Global Inc
    SPGI - US78409V1044
    0.83%
  • Sandisk Corp
    SNDK - US80004C2008
    0.83%

This portfolio is built mainly around broad stock index funds, with a big core in a US large cap index and a sizeable chunk in international stocks. Smaller positions in bonds, inflation‑protected bonds, factor funds, sector funds, gold, and a few individual stocks sit around that core. Compared with a classic balanced benchmark, this setup is much more equity heavy and less bond focused, which explains the higher growth orientation. Having a solid index core is a big positive, as it anchors risk and keeps behavior predictable. If you want to stay “balanced,” you might slowly raise the bond share over time, especially as your time horizon shortens or income needs increase.

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

Growth Info

Using a simple example, a $10,000 starting amount growing at a 23.13% CAGR (Compound Annual Growth Rate) would roughly double about every three years. That’s extremely strong and beats what a typical balanced benchmark would have done over similar periods. The relatively modest max drawdown of -15.99% is also impressive for an equity‑heavy mix, suggesting the combination of diversification and tilts has worked well historically. Still, past numbers describe only what happened in one specific market path. Future cycles can be very different, with lower returns or bigger drops. It’s sensible to mentally “haircut” these results and plan assuming more normal, muted performance going forward.

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

Projection Info

The Monte Carlo analysis, which runs many simulated futures using historical patterns and volatility, shows very wide potential outcomes. Even the lower (5th) percentile result implies strong long‑term growth, while the median and higher percentiles look almost unrealistically high. This is heavily influenced by the unusually strong historical returns and volatility regime feeding the model. Monte Carlo is useful for visualizing a range of possibilities, but it’s not a prediction and can be overly optimistic in long bull-market backdrops. Treat these projections as stress‑testing tools, not promises. Anchoring plans on more conservative assumptions and revisiting simulations every few years helps keep expectations realistic and decisions grounded.

Asset classes Info

  • Stocks
    94%
  • Bonds
    5%
  • Other
    1%
  • Cash
    0%
  • Not Classified
    0%
  • No data
    0%

Asset allocation is heavily tilted toward stocks at 94%, with about 5% in bonds and 1% in “other” (gold). For a “balanced” risk profile, this is quite aggressive and closer to a growth or even equity‑heavy posture, which helps explain the strong backtested returns. High equity weight is great for long horizons but makes portfolio value more sensitive to market swings and economic cycles. The small allocation to high‑quality bonds and inflation‑protected bonds is a good start for ballast. Over time, nudging bonds toward the 20–40% range, depending on age and goals, could better align realized volatility with a truly balanced risk profile while still keeping plenty of upside.

Sectors Info

  • Technology
    28%
  • Financials
    14%
  • Telecommunications
    9%
  • Industrials
    8%
  • Consumer Discretionary
    8%
  • Health Care
    8%
  • Energy
    5%
  • Consumer Staples
    4%
  • Utilities
    4%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Consumer Discretionary
    2%

Sector exposure is broad across technology, financials, communication services, industrials, healthcare, consumer areas, energy, utilities, and more. The tech weighting is clearly above what many broad benchmarks carry, boosted further by the semiconductor fund and individual tech names. This tilt has paid off over the last decade but can make the portfolio more sensitive to interest rates, innovation cycles, and regulatory headlines. On the positive side, having energy, utilities, and defensive sectors in the mix helps offset some of that growth concentration. It makes sense to occasionally check whether the combined weight in any single sector is drifting far away from broad‑market norms and trim or rebalance if it feels uncomfortably high.

Regions Info

  • North America
    74%
  • Europe Developed
    9%
  • Japan
    4%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, about three‑quarters of the portfolio sits in North America, with the rest spread across developed Europe, Japan, developed Asia, and smaller allocations to emerging regions and Australasia. This is quite similar to many US‑based investor portfolios and aligns with the fact that a lot of the world’s largest, most profitable companies are US‑listed. The international slice, while smaller than US exposure, is still meaningful and helps diversify currency, political, and economic risk. Historically, leadership rotates between regions, so keeping an intentional non‑US allocation is healthy. If you want to lean even closer to global market weights, nudging international stocks a bit higher over time could reduce home bias further.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    32%
  • Mid-cap
    17%
  • Small-cap
    3%
  • Micro-cap
    1%
  • Unknown
    1%

Market cap exposure is dominated by mega and large companies, with modest allocations to mid, small, and micro caps. This structure mirrors many broad market indices and is a strong foundation, since bigger firms tend to be more stable, liquid, and widely researched. The small dedicated positions to small cap value funds add a nice tilt toward smaller, cheaper companies, which historically have offered higher long‑term return potential but also bumpier rides. This combination of a large‑cap core plus small tilts is a sensible way to pursue extra growth without overloading on niche segments. Just keep an eye on whether performance differences cause the small cap sleeve to drift far above or below your intended weight.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Fidelity 500 Index Fund 1.10%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.40%
  • Alphabet Inc Class A 0.30%
  • Microsoft Corporation 0.60%
  • VanEck Semiconductor ETF 0.30%
  • S&P Global Inc 0.90%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 3.80%
  • Energy Select Sector SPDR® Fund 2.70%
  • Utilities Select Sector SPDR® Fund 2.50%
  • Weighted yield (per year) 1.54%

The portfolio’s total yield of about 1.54% is on the lower side, which fits a growth‑oriented, equity‑heavy approach focused more on capital gains than income. Some parts, like broad bonds, utilities, energy, and value‑tilted funds, offer solid yields and provide a useful income floor. Others, such as high‑growth tech names and semiconductor exposure, pay little but aim for price appreciation. For investors still in the accumulation stage, this mix is quite reasonable since reinvesting even modest dividends compounds over time. If at some point steady cash flow becomes a bigger priority, gradually shifting a slice from low‑yield growth holdings into more income‑focused funds or higher‑yielding bonds can raise the portfolio’s payout without completely sacrificing growth.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Fidelity 500 Index Fund 0.02%
  • SPDR® Gold Shares 0.40%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 0.04%
  • Energy Select Sector SPDR® Fund 0.09%
  • Utilities Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.04%

Costs are a real strength here. With a total expense ratio around 0.04%, this portfolio is running at a very low fee level, even compared with many low‑cost index benchmarks. The core funds are particularly cheap, and the slightly higher‑fee satellites (like factor and sector ETFs) are used in small, controlled doses. Lower costs mean you keep more of the returns you earn, which compounds meaningfully over decades. There may be only limited room to reduce expenses further without giving up specific tilts you like. The main thing is to keep avoiding high‑fee active products unless there’s a very clear, tested reason to include them.

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.

Efficient Frontier analysis looks for the best possible trade‑off between risk and return using only the current building blocks. “Efficient” here simply means maximizing expected return for each risk level, not necessarily maximizing diversification or income. The results suggest there is a more efficient mix that delivers a higher expected return at the same risk, and an overall optimal point around a risk level of 3.56 with an expected return near 17.95%. That doesn’t mean you must chase that exact allocation. It’s more a signal that small tweaks between existing holdings—such as adjusting bond, factor, or sector weights—could lift the risk‑return profile while staying true to your overall strategy and comfort.

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