This portfolio has only about 1.8 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

A speculative, moderately diversified portfolio with a strong focus on developed markets and technology

Report created on Aug 3, 2025

Risk profile Info

7/7
Speculative
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards ETFs that track major indices in developed markets, with a significant emphasis on the US and European equities. The allocation includes 30% in a global ETF, 20% each in European and NASDAQ ETFs, 20% in an S&P 500 ETF, and smaller positions in health care and water sector ETFs. This composition suggests a strategy focused on capturing growth in major developed markets, with a speculative risk profile indicated by a risk score of 7 out of 7.

Growth Info

The historical performance data provided appears to contain an error, as a CAGR of -592.83% would indicate a complete loss, which is inconsistent with the performance of the underlying assets. Typically, ETFs tracking major indices such as the S&P 500, NASDAQ, and MSCI World have positive long-term growth trends. It's important to re-evaluate this data for accuracy, as historical performance is a crucial factor in assessing a portfolio's effectiveness.

Projection Info

The Monte Carlo simulation results indicating a -100.00% annualized return across all simulations are clearly incorrect, suggesting a data error or misinterpretation. Normally, Monte Carlo simulations provide a range of potential outcomes to help investors understand possible future scenarios based on historical data. Accurate simulations for this portfolio would likely show a wide range of positive returns, given the diversified nature of the holdings and their historical market performance.

Asset classes Info

  • Stocks
    50%

The portfolio's assets are entirely in stocks, with no allocation to cash, bonds, or other asset classes. This concentration in equities contributes to its speculative risk profile and high risk score. Diversifying across different asset classes can reduce volatility and provide a buffer against market downturns, potentially improving the risk-return profile of the portfolio.

Sectors Info

  • Technology
    15%
  • Financials
    8%
  • Consumer Discretionary
    5%
  • Industrials
    5%
  • Health Care
    5%
  • Telecommunications
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector allocation is concentrated in technology, financial services, and consumer cyclicals, with smaller exposures to industrials, healthcare, and other sectors. This concentration in high-growth sectors like technology can lead to higher volatility and risk. Diversifying more evenly across sectors could mitigate some risk while still allowing for growth.

Regions Info

  • North America
    43%
  • Europe Developed
    5%
  • Japan
    2%
  • Australasia
    1%

Geographic exposure is heavily skewed towards North America, with a lesser focus on Europe and minimal exposure to other regions. This geographic distribution reflects a strong emphasis on developed markets, potentially missing out on growth opportunities in emerging markets. Increasing exposure to diversified global markets could enhance growth prospects and reduce region-specific risks.

Market capitalization Info

  • Mega-cap
    24%
  • Large-cap
    17%
  • Mid-cap
    9%

The portfolio's exposure is primarily to mega and big-cap companies, which tend to be more stable but may offer lower growth potential compared to smaller companies. Including medium or small-cap stocks could increase the portfolio's growth potential, albeit with higher volatility and risk.

Redundant positions Info

  • Vanguard S&P 500 ETF
    iShares MSCI World ETF
    iShares STOXX Europe 600 UCITS ETF (DE)
    iShares VII Public Limited Company - iShares NASDAQ 100 UCITS ETF
    High correlation

The high correlation among the ETFs tracking major indices suggests overlapping investments that may not provide the intended diversification benefits. Reducing overlap by choosing ETFs with distinct underlying assets or focusing on specific sectors or regions could enhance the portfolio's diversification and potentially improve its risk-adjusted 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.

To optimize the portfolio, considering the Efficient Frontier, it's recommended to address the high correlation among the ETFs to improve diversification. Adjusting the asset allocation to include a broader range of asset classes and sectors, as well as incorporating investments with lower correlation, could enhance the portfolio's risk-return profile without necessarily increasing the overall risk level.

Dividends Info

  • iShares MSCI World ETF 1.40%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 0.66%

The dividend yields from the iShares MSCI World ETF and Vanguard S&P 500 ETF contribute to the portfolio's income, albeit modestly. Given the speculative nature of the portfolio, dividends play a smaller role in total returns compared to capital gains. Investors seeking higher income might consider reallocating towards assets with higher dividend yields or specialized dividend-focused ETFs.

Ongoing product costs Info

  • iShares MSCI World ETF 0.24%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.08%

The portfolio's costs are relatively low, with total expense ratios (TER) averaging 0.08%, which is beneficial for long-term growth. Keeping costs low is crucial in maximizing returns, especially in speculative portfolios where the goal is to capture as much growth as possible. This cost efficiency is a positive aspect of the portfolio's construction.

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