A two-trick pony trying to win a triathlon: ESG and Bonds in a world that demands more
Report created on May 1, 2025Risk profile
4/7
Diversification profile
3/5
Positions
-
SA iShares MSCI World ESG Screened UCITS ETF USD (Acc)
SAWD - IE00BFNM3J75 70.00% -
VA Vanguard Global Aggregate Bond UCITS ETF GBP Hedged Accumulation
VAGS - IE00BG47K971 30.00%
At first glance, the portfolio looks like it was built using a dartboard with two sections: "Stocks with a Conscience" and "Safe as Houses Bonds." With 70% parked in an ESG-screened ETF and the remainder in global aggregate bonds, it seems like a valiant attempt at being both morally superior and financially cautious. This is the investing equivalent of eating a salad at a steakhouse — commendable but somewhat missing the point.
Growth
With a CAGR of 9.62%, it's like your portfolio took a brisk walk in the park rather than a sprint. The max drawdown of -25.09% suggests it stumbled along the way, probably when it realized the tech sector wasn't always going to be the wind beneath its wings. Relying on 15 days for 90% of your returns is like betting your entire night out on one good joke at the party.
Projection
Monte Carlo simulations are financial crystal balls, showing us possible futures without the certainty. Your portfolio's future looks like it's walking a tightrope with a 5th percentile at a hair-raising -46.2%. The middle road isn't much to write home about either, with a median increase of 122.7%. Diversification beyond two asset classes might prevent you from needing to perform this financial acrobatics in the first place.
Asset classes
- Stocks 70%
- Bonds 30%
With 70% in stocks and 30% in bonds, your portfolio is like a balanced diet that's boringly predictable. It's the financial equivalent of chicken and broccoli every night — effective but painfully unexciting. Expanding into alternative asset classes might just add the necessary spices to this bland meal.
Sectors
- Technology 19%
- Financials 13%
- Health Care 8%
- Consumer Discretionary 8%
- Industrials 7%
- Telecommunications 6%
- Consumer Staples 3%
- Basic Materials 2%
- Real Estate 2%
- Utilities 1%
- Energy 1%
The sector allocation reads like a Greatest Hits album of the past decade — heavy on tech and finance but forgetting that there's more to the market's music. With technology at a whopping 19%, it's like betting on the lead singer not to lose their voice. A little more love for the underappreciated backup singers (sectors) might not be a bad idea.
Regions
- North America 52%
- Europe Developed 12%
- Japan 4%
- Australasia 1%
- Asia Developed 1%
Geographically, it's a portfolio that screams "America and its friends," with over half in North America and a timid nod to Europe and Japan. It's like planning a world tour and only visiting countries where you speak the language. A bit more adventurous spirit could uncover some hidden investment gems.
Market capitalization
- Mega-cap 34%
- Large-cap 23%
- Mid-cap 12%
Mega and big caps dominate, which is the investing equivalent of only hanging out with the popular crowd. Sure, they're reliable, but you're missing out on the potentially thrilling company of those outside the spotlight. Mixing in some medium (and dare we say, small) caps could lead to more interesting conversations and returns.
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 portfolio tries to balance on the Efficient Frontier like a drunk tightrope walker — it's in the right area but could use a lot more stability. Maximizing returns for the given risk seems more accidental than intentional. A sober reassessment might prevent a financial faceplant.
Ongoing product costs
- iShares MSCI World ESG Screened UCITS ETF USD (Acc) 0.20%
- Vanguard Global Aggregate Bond UCITS ETF GBP Hedged Accumulation 0.10%
- Weighted costs total (per year) 0.17%
Kudos on keeping costs low — at a total TER of 0.17%, it's like finding a discount on something you were going to buy anyway. It's one of the few areas where being cheap pays off in finance.
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