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Diversified but indecisive global soup pretending to be cautious while mostly just hugging the index

Report created on Apr 4, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

Structurally this thing is basically one massive global fund with some little satellites stapled on for moral support. Sixty percent in a total-world ETF, then three extra equity funds that broadly own the same planet, and a lonely 10% bond slice trying to justify a “cautious” label. It’s like ordering the sampler platter and then adding three more plates of the same dish. The result is more complexity on paper than in reality. The general lesson: if one holding already does “own the world,” extra add‑ons should have a very clear, deliberate purpose, not just “felt right at the time.”

Growth Info

Performance since 2024 has been… perfectly fine and completely unremarkable. About 9.84% CAGR versus ~9.67% for the US and 10.53% for global markets. So you slightly beat the US but trailed the broader world while taking a smaller max drawdown than both. CAGR (compound annual growth rate) is just your smooth “average speed” over time, and max drawdown is the worst peak-to-trough fall. Takeaway: this portfolio isn’t a hero or a villain; it’s a slightly underpowered world tracker with mildly softer crashes, which is okay but nothing to brag about.

Projection Info

The Monte Carlo projection basically says: “Most timelines are fine, a few are great, and a couple really suck.” Monte Carlo just runs thousands of random future paths using past-like behavior — like simulating 1,000 alternate universes for your money. Median outcome around €2,633 from €1,000 in 15 years is decent, with a 73% chance of ending positive. But remember, past data is yesterday’s weather: useful, not prophetic. The big takeaway: the spread between €1,035 and €7,083 at the extremes shows that uncertainty, not precision, is the real message here.

Asset classes Info

  • Stocks
    90%
  • Bonds
    10%

“Cautious investor” with 90% in stocks is some top-tier marketing spin. That’s not cautious, that’s “I like adrenaline but wear a seatbelt sometimes.” Ten percent in global bonds barely registers in the risk numbers: its risk contribution is a rounding error. Asset class mix is what really sets your emotional rollercoaster level, and this one is basically a stock portfolio with a small bag of bonds for decoration. Lesson: if you genuinely want smoother rides, bonds and cash need to be more than a polite afterthought background extra.

Sectors Info

  • Technology
    18%
  • Financials
    16%
  • Industrials
    14%
  • Health Care
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    3%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this is pretty much a textbook “global index with a mild tech crush.” Tech sits on top at 18%, with financials and industrials right behind. Nothing is wildly excessive, but that also means you’re not expressing any particular view — you just accepted whatever the global market serves. That’s fine if the goal is “don’t think, just own everything,” but then adding extra funds for fun starts to look redundant. General takeaway: if sector weights look almost index-like, you’re not really steering; you’re just along for the bus ride.

Regions Info

  • North America
    46%
  • Europe Developed
    26%
  • Japan
    7%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this is a “World, but mostly the usual suspects” portfolio. Roughly 46% in North America, 26% in developed Europe, then tiny bits of Japan, other Asia, and the rest of the planet. To be fair, that’s surprisingly sensible for someone labeled cautious — no wild local bias or bizarre regional bets. Still, the allocation screams “I let the index decide what matters.” That’s not a sin, just a choice. Big-picture lesson: if you’re going to be a global index hugger, at least own it and stop pretending the satellites are doing heavy lifting.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    8%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

Market cap mix is actually one of the more interesting bits: 37% mega, 27% large, then a meaningful chunk in mid and small caps, plus a token micro sprinkle. That small-cap ETF is clearly doing some work here. The result: you get more exposure to the scrappy, volatile end of the market than a plain-vanilla world index, while still being dominated by giants. It’s like eating mostly safe comfort food with a side of spicy wings. Key insight: more small caps usually means more bumps and more long-term return potential, but also more “why is everything red today?” moments.

True holdings Info

  • NVIDIA Corporation
    2.35%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Apple Inc
    2.13%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Microsoft Corporation
    1.50%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • ASML Holding NV ADR
    1.15%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
  • Amazon.com Inc
    1.09%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Alphabet Inc Class A
    1.02%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.89%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Rogers Corporation
    0.86%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
  • Alphabet Inc Class C
    0.82%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Broadcom Inc
    0.78%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Top 10 total 12.59%

The look-through is basically the usual “Magnificent Tech Overlords plus friends” lineup: Nvidia, Apple, Microsoft, ASML, Amazon, Alphabet, etc. No single name is outrageous, but you’re clearly paying homage to the same handful of giants across multiple funds. Overlap is understated because we only see ETF top 10s, so the real duplication is almost certainly higher. This is the classic “I’m diversified!” illusion: lots of fund logos, but underneath it’s the same celebs on repeat. General rule: if your top names look like a tech news headline, concentration risk is sneaking in through the back door.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    Weight: 60.00%
    69.5%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc)
    Weight: 10.00%
    10.8%
  • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    Weight: 10.00%
    9.9%
  • Amundi Stoxx Europe 600 UCITS ETF C
    Weight: 10.00%
    9.5%
  • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
    Weight: 10.00%
    0.3%

Risk contribution absolutely exposes the truth here: the 60% ACWI IMI position is driving almost 70% of total risk. The small-cap ETF, with just 10% weight, contributes more than 10% of risk, while the bond fund is basically on mute at 0.34%. Risk contribution is like asking, “Who’s actually shaking the portfolio when markets move?” Spoiler: it’s not the bonds. This is essentially a one-ETF show with a small side of extra spice. General takeaway: if one holding dominates risk this much, trimming or rebalancing around it can matter far more than obsessing over tiny tweaks elsewhere.

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 efficient frontier section quietly insults and praises you in the same breath. Your portfolio sits right on or very near the frontier, with a Sharpe ratio of 0.51 versus 0.82 for the theoretical best mix of the same holdings. Sharpe is just “return per unit of stress.” Translation: for the risk you’re taking, the allocation is efficient, even if not the absolute best possible combo. And crucially, that’s using only your existing funds. So despite the slightly messy structure, you’ve accidentally landed on something mathematically respectable. Don’t get cocky, but also… not bad.

Ongoing product costs Info

  • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) 0.10%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.40%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) 0.35%
  • Amundi Stoxx Europe 600 UCITS ETF C 0.07%
  • Weighted costs total (per year) 0.29%

Costs are… annoyingly decent. A total TER around 0.29% is not dirt cheap, but also nowhere near “getting mugged annually.” The main culprit is the SPDR ACWI at 0.40%, while the Europe ETF at 0.07% and the bond fund at 0.10% are actually pretty reasonable. TER is basically the annual cover charge you pay just to be in the club. Long term, every 0.1% matters, so mixing in a higher-fee global core when cheaper broad options exist is a bit like paying boutique prices for commodity cereal. It works, but your future self might roll their eyes.

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