Roast mode 🔥

World tracker with an AI side quest that accidentally becomes the main character

Report created on May 2, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio looks like someone sensibly bought a global index fund and then couldn’t resist adding two “spicy extras.” Seventy‑five percent is one boringly solid world tracker, then 15% is a pure AI theme rocket, and 10% is an extra scoop of emerging markets on the side. It’s technically diversified, but the add‑ons quietly drag it away from plain-vanilla balance and into “I read too many tech articles” territory. Three funds is simple, but the mix is oddly lopsided: one giant anchor and two loud sidekicks. The result is less a carefully constructed portfolio and more a global latte with an unnecessary shot of double‑espresso AI foam.

Growth Info

Historically, this thing has done the classic “ride the bull, scream in the crash” routine. Turning €1,000 into €2,242 with a 12.58% CAGR is nothing to cry about, but it still trails the US market, which happily ran faster. CAGR – compound annual growth rate – is just the smooth average speed of that journey. Max drawdown at -34% means it fell off the same COVID cliff as everyone else, then crawled back in about eight months. Outperforming the global market but lagging the US basically says: “Thanks to tech and AI, you almost kept up with Uncle Sam, but not quite.”

Projection Info

The Monte Carlo simulation treats the portfolio like a casino game played 1,000 times and asks, “How bad and how good could this get?” Median outcome of €2,689 after 15 years is decent, but not fairy‑tale money, and the range from barely above €1,000 to nearly €8,000 screams “buckle up.” An 8.18% annualized return across all simulations is respectable, but nowhere near the backwards‑looking 12%+ you enjoyed. It’s a nice reminder that past data is like yesterday’s weather: useful context, terrible crystal ball. This portfolio isn’t doomed, it’s just not guaranteed a repeat of its golden years.

Asset classes Info

  • Stocks
    100%

Asset class breakdown is the simplest part: it’s 100% stocks, no backup plan. That’s fine if the goal is growth and emotional rollercoasters, but calling this “balanced” is generous; it’s balanced the way a unicycle is “balanced” if you don’t fall off. There’s zero ballast from bonds, cash, or anything remotely calming. When stocks party, this portfolio dances; when stocks panic, it takes the same punch. The upside is clarity: what you see is what you get. The downside is living and dying entirely by equity markets with no adult supervision in the capital structure.

Sectors Info

  • Technology
    35%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, this portfolio has clearly chosen its favorite child: technology at 35% is a full-blown tech crush. With financials and industrials humming in the background, everything else is basically supporting cast. Healthcare, staples, utilities, and real estate exist, but more as polite decoration than serious risk drivers. This isn’t some stealthy value or defensive setup; it’s structurally tilted toward the parts of the market that are exciting when things go right and unforgiving when sentiment flips. If tech ever catches a proper cold, this portfolio gets the flu, while the duller, steadier sectors don’t have enough weight to meaningfully soften the blow.

Regions Info

  • North America
    59%
  • Europe Developed
    12%
  • Asia Developed
    10%
  • Asia Emerging
    8%
  • Japan
    5%
  • Africa/Middle East
    2%
  • Latin America
    2%
  • Australasia
    1%

Geographically, it’s “world portfolio” in marketing and “US with accessories” in reality. With 59% in North America, this is basically a US-centric view of the planet, with Europe and Asia sprinkled around to make the pie chart look diverse. Japan gets its own slice, but smaller than the US megacaps that dominate everything. Africa, Latin America, and the Middle East barely register, so their impact is more cosmetic than consequential. It’s not wrong, it’s just very conventional: the portfolio tracks global market weights, which heavily favor the US, so the apparent global spread mostly hides a big, comfortable dependence on one region.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    2%
  • Micro-cap
    1%

Market cap exposure screams “index core with a side of fanboy.” Nearly half in mega‑caps and another third in large‑caps means this thing kneels at the altar of corporate giants. Mid‑caps show up respectably, but small and micro‑caps are basically rounding errors at 3% combined. This is a portfolio that believes size is a feature, not a bug. The hidden message: it’s heavily reliant on the fate of huge, already‑successful companies, not on scrappy up‑and‑comers. Great for stability relative to a small‑cap zoo, but it also means most of the action is dictated by the same group of global titans everyone else already owns.

True holdings Info

  • NVIDIA Corporation
    3.57%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Apple Inc
    2.94%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    2.54%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.33%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Amazon.com Inc
    1.95%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Alphabet Inc Class A
    1.77%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Broadcom Inc
    1.45%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Alphabet Inc Class C
    1.12%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    1.08%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tesla Inc
    0.87%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 19.62%

The look‑through holdings are a who’s who of “things that already went vertical.” NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla – the usual tech and mega‑cap suspects are everywhere. NVIDIA alone at 3.57% is not exactly a side note. Overlap is obvious: the same companies show up in multiple funds, so diversification is more illusion than reality at the top. And remember, this is only from ETF top‑10 data, so the real duplication is almost certainly worse. This portfolio looks diversified on the surface but quietly relies on a handful of mega‑names to carry the narrative – and the risk.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 75.00%
    69.4%
  • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
    Weight: 15.00%
    21.4%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 10.00%
    9.3%

Risk contribution shows who’s actually shaking the cage, and the AI ETF is punching above its weight. At 15% of capital but over 21% of total risk, it’s the loud cousin at the family gathering. The core world tracker, despite being 75% of the portfolio, contributes slightly less risk than its weight, behaving like the sensible adult. Emerging markets do about what you’d expect: 10% weight, ~9% risk. Risk contribution is just a way of saying: “Who causes the mood swings?” Here, it’s clear the AI slice is doing a disproportionate amount of emotional damage relative to its size.

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.

On the efficient frontier, this portfolio actually behaves like it did some homework for once. The current mix sits on or very near the frontier, meaning for these three ingredients, the risk/return trade‑off is about as good as it gets without changing the menu. The Sharpe ratio of 0.54 trails the max‑Sharpe setup at 0.72, but that max point demands noticeably more risk, not just better wizardry. In plain English: within the world of “these exact funds only,” the weights aren’t bumblingly inefficient. You somehow avoided the classic mistake of building a portfolio that’s worse than a simple reweighting of the same stuff.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR 0.40%
  • Weighted costs total (per year) 0.22%

Costs are almost annoyingly reasonable. A total TER of 0.22% is pretty lean, especially considering there’s a themed AI ETF in the mix charging 0.40% on its slice. The big core holdings are cheap enough that they drag the average down nicely. It’s the investing equivalent of flying economy with one slightly fancy coffee at the airport – not ruinous, just mildly indulgent. There’s not much to roast here: fees aren’t silently bleeding the portfolio. If anything, the main joke is that the most speculative part is also the priciest, which feels thematically on brand.

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