Roast mode 🔥

A two-trick pony running in circles thinking it's on the path to diversification

Report created on Jul 28, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "I’m diversified!" with all the enthusiasm of a toddler with two crayons claiming they've painted a masterpiece. With 65% in a Vanguard S&P 500 ETF and 35% in a Vanguard FTSE All-World ETF, it’s like putting most of your eggs in one basket and then deciding to put the rest in a slightly larger basket that also contains the first basket. The intent to diversify is cute, but in practice, this is like wearing two raincoats and expecting to be twice as dry.

Growth Info

Historically speaking, a 13.03% CAGR isn't something to sneeze at—unless, of course, you're allergic to underwhelming attempts at diversification. But let's not get carried away celebrating just yet. These returns come with a side of volatility that could give you whiplash, highlighted by a max drawdown of -25.41%. It's like enjoying a roller coaster ride until you realize you're not strapped in properly.

Projection Info

Monte Carlo simulations are great for showing us the casino of market possibilities, but betting on this portfolio feels like playing roulette with a biased wheel. Sure, the median projection looks rosy, but remember, the house always wins, and in this case, the house is market volatility. With such a narrow asset base, this portfolio's future is like predicting British weather: prepare for anything and everything.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of the portfolio in equities, it's like deciding the best way to diversify your diet is by eating different flavors of ice cream. Sure, it's delicious, but it's not exactly a balanced diet. A touch of bonds or real estate might not be as exciting as tech stocks, but they could prevent a financial indigestion when markets turn sour.

Sectors Info

  • Technology
    31%
  • Financials
    15%
  • Consumer Discretionary
    11%
  • Telecommunications
    9%
  • Health Care
    9%
  • Industrials
    9%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

Tech at 31%? Ah, the sweet scent of Silicon Valley optimism. Financial services and consumer cyclicals are tagging along for the ride, but let's be honest, this sector spread is more about following the crowd than leading the pack. It's like going to a buffet and only loading up on the carbs. Sure, it's filling, but you're missing out on the proteins and veggies.

Regions Info

  • North America
    87%
  • Europe Developed
    6%
  • Japan
    2%
  • Asia Emerging
    2%
  • Asia Developed
    1%
  • Australasia
    1%

North America at 87% is like saying, "I love travel" but only ever visiting your neighbor's house. The token gestures towards Europe, Asia, and Australasia are commendable, but let's face it, this portfolio's passport is barely stamped. Broadening your horizons could mean the difference between a well-rounded traveler and a homebody.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    35%
  • Mid-cap
    17%
  • Small-cap
    1%

Mega and big caps dominate this portfolio like teenagers at a pop concert. Sure, they're the main attraction, but let's not forget about the indie bands—the small and micro caps. They might not have the same following, but they often bring the most innovative and exciting performances. Diversifying across market caps can add depth to your investment soundtrack.

Redundant positions Info

  • Vanguard S&P 500 UCITS Acc
    Vanguard FTSE All-World UCITS ETF USD Accumulation
    High correlation

The correlation between the S&P 500 and FTSE All-World ETFs is like having two different apps that do the exact same thing. It's redundant. You think you're being productive by using both, but really, you're just draining your battery faster. Diversifying means adding assets that dance to different tunes, not the same song on repeat.

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.

Efficiency isn't just about high returns for low risk; it's about balance. This portfolio swings like a pendulum between two heavily overlapping assets, mimicking diversification without truly achieving it. It's like trying to balance on a seesaw by yourself; without real diversification, you're just going up and down, not forward.

Ongoing product costs Info

  • Vanguard S&P 500 UCITS Acc 0.07%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Weighted costs total (per year) 0.12%

With a total TER of 0.12%, at least you're not throwing money out the window on fees. It's one of the few areas where this portfolio doesn't need a roast but rather a polite nod. It's like finding a decently priced meal at a tourist trap; surprisingly good value amidst potentially questionable choices.

What next?

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey