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A portfolio that mistook diversification for a mere suggestion and embraced US stocks like a long-lost relative

Report created on Jul 20, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

At first glance, this portfolio looks like someone tried to diversify by picking different ETFs but then got distracted after the first two. With nearly 75% in a Vanguard S&P 500 ETF and another 24.47% in a SPDR Small Cap ETF, it's like putting all your eggs in two baskets and then forgetting you own a farm. And then there’s Nokia, a nostalgic nod to the past, making up a minuscule portion of the portfolio, like a decorative cherry on a cake that's missing half its ingredients.

Growth Info

With a historical CAGR of 13.70%, this portfolio might look like it's been hitting the gym regularly, but let's be real, those gains are riding the coattails of a bull market. The max drawdown of -36.58% is a stark reminder that when the market sneezes, this portfolio could catch a cold. And relying on 16 days for 90% of returns? That's like basing your entire diet on holiday feasts.

Projection Info

The Monte Carlo simulation, with its 1,000 different market scenarios, suggests a wide range of outcomes, from losing over a third of your investment to tripling it. It's the investment equivalent of saying, "You might get rich, or you might not." But with 878 simulations showing positive returns, it’s like betting on a horse that wins more often than not, though you’re still gambling.

Asset classes Info

  • Stocks
    100%

Sticking to 100% stocks with no cash or bonds is like driving without a seatbelt. Sure, it feels freeing until you hit a bump. This all-in approach on equities screams confidence but whispers naivety about market downturns. A little diversification could be the airbag you'll wish you had.

Sectors Info

  • Technology
    29%
  • Financials
    15%
  • Consumer Discretionary
    12%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Real Estate
    3%
  • Basic Materials
    3%
  • Utilities
    2%

The sector allocation seems to have a heavy tech bias, making it vulnerable to the whims of a few big players. It's like loading up on candy; it's great until the sugar crash. And with minimal exposure to defensive sectors like utilities and consumer staples, there’s nowhere to hide when the market throws a tantrum.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

This portfolio is so heavily weighted towards North America, it's as if the rest of the world doesn't exist. With 99% in North America and a token 1% in Europe, it's missing out on global growth stories. It’s like going to an international food festival and only eating hamburgers.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    27%
  • Small-cap
    16%
  • Mid-cap
    15%
  • Micro-cap
    7%

The mix of mega, big, small, and medium caps shows some attempt at balance, but with a heavy lean towards larger companies. It's a bit like preferring to only date celebrities; glamorous, but you're missing out on a lot of great opportunities.

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.

This portfolio’s approach to risk vs. return optimization seems to be based on the principle of "high risk, possibly high reward," but without considering the "possibly." It's like planning to run through a minefield because you heard there might be treasure on the other side. A more balanced approach could offer similar rewards with fewer blown-off limbs.

Ongoing product costs Info

  • Vanguard S&P 500 UCITS Acc 0.07%
  • SPDR® MSCI USA Small Cap Value Weighted UCITS ETF USD Acc EUR 0.30%
  • Weighted costs total (per year) 0.13%

At least the total expense ratio (TER) of 0.13% shows some sense in cost management. It’s like realizing you shouldn’t pay Michelin star prices for fast food. This is one of the few areas where the portfolio doesn’t need a complete overhaul.

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