Roast mode 🔥

Confident global equity beast with a secret US tech crush hiding behind smart beta buzzwords

Report created on Apr 16, 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 “All Gas No Brakes: ETF Edition.” Five funds, 100% equities, zero ballast. On paper it looks diversified: a world ETF, a big US chunk, plus some factor funds to sound clever at dinner. In practice, the world ETF already owns a lot of the same stuff as the S&P 500 and the World Value fund, so you’ve stacked overlapping layers of the same global equity stew. It’s basically three core global-ish funds with two “spice” ETFs pretending to be strategy. Takeaway: this is a pure growth engine, not a balanced portfolio, and anyone expecting smooth sailing will be extremely disappointed during rough markets.

Growth Info

Performance since late 2023 is, annoyingly, very good. ~21.35% CAGR versus ~18% for both US and global benchmarks, turning €1,000 into €1,606. That’s serious outperformance, helped by a market that’s been very kind to your factor tilts and tech exposure. Max drawdown of -20.22% is spicy but not outrageous for an all-equity mix, and you actually fell *less* than the benchmarks at the worst point. Still, this is a short and very bullish window — past data is like yesterday’s weather, not a prophecy. Takeaway: enjoy the win, but don’t assume this thing is magically superior forever; you just surfed a friendly wave.

Projection Info

Monte Carlo simulation is like sending your portfolio through 1,000 alternate futures to see how often it survives without drama. The median outcome of €2,770 from €1,000 over 15 years (about 8.27% a year) is solid, but the range is wide: from roughly halving your money (€905) to an 8x outcome (€8,163). That’s the all-equity life: high upside, but with very real bad-decade potential. And remember, simulations are just fancy “what if” scenarios built from past patterns — yesterday’s weather again. Takeaway: this setup needs a long horizon and strong stomach; short-term worriers will absolutely hate the ride.

Asset classes Info

  • Stocks
    100%

Asset class breakdown: 100% stocks, 0% everything else. No bonds, no cash buffer, no diversifiers — just pure equity roller coaster. For a “balanced” risk label, this is more “balanced like a one-legged barstool.” In good times, that’s fun; in bad times, it’s a front-row seat to every market tantrum. If someone expects lower volatility or capital preservation, this structure isn’t even pretending. Takeaway: an all-equity mix can make sense for long-term growth, but calling it “balanced” is marketing spin — it’s an aggressive play wearing a polite name tag.

Sectors Info

  • Technology
    27%
  • Financials
    18%
  • Industrials
    12%
  • Health Care
    8%
  • Consumer Discretionary
    8%
  • Telecommunications
    8%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    4%
  • Real Estate
    2%

Sector mix screams modern equity index with a caffeine shot: 27% in technology, then a chunky 18% in financials, and a decent 12% in industrials. Tech addiction clearly detected, which was great while chips and software were printing money, but it’s also the drama queen of sectors when sentiment flips. Barely any love for traditionally boring, defensive areas relative to the “exciting” stuff. The result: strong upside in bull runs, but a tendency to get slapped harder when growth themes unwind. Takeaway: this is not a “sleep well at night” sector profile; it’s a “check your portfolio during earnings season and wince” profile.

Regions Info

  • North America
    57%
  • Europe Developed
    23%
  • Asia Developed
    7%
  • Asia Emerging
    5%
  • Japan
    4%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, it’s “US and friends.” Around 57% in North America with Europe at 23%, then everybody else fighting over scraps. It’s better than a pure “America or bust” portfolio, but still heavily leaning on one region’s economic and policy regime. You do at least have some emerging and Asian exposure, which is more than many portfolios manage, but it’s firmly in side character territory. If the US stumbles or its mega-caps rerate down, the whole thing feels it. Takeaway: not disastrous, but definitely more “US-led world tour” than truly global co-headline show.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    37%
  • Mid-cap
    14%

Market cap tilt: 47% mega-cap, 37% large-cap, 14% mid-cap, basically no small-caps in sight. You’ve gone all-in on the corporate aristocracy — household names, global behemoths, the “too big to ignore” crowd. That brings stability *relative* to small caps, but also bakes in a lot of “priced for perfection” risk when these giants stop surprising on the upside. There’s almost no exposure to the scrappy upstarts that historically drive some of the equity premium. Takeaway: this is a blue-chip-heavy machine — less wild than a small-cap carnival, but still very exposed if the mega-cap party cools off.

True holdings Info

  • NVIDIA Corporation
    3.92%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    3.41%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.44%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    1.91%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.59%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Alphabet Inc Class A
    1.58%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.37%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.29%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.18%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    0.92%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 19.61%

Your look-through list reads like the “Magnificent Seven Appreciation Society”: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla all show up, courtesy of overlapping ETFs. Remember, overlap is *understated* because we only see each ETF’s top 10. So the actual concentration in these giants is higher than shown. You basically own the same mega-cap tech titans through multiple channels, like buying three box sets of the same TV show. This hidden concentration means if big US tech sneezes, your whole portfolio catches a cold. Takeaway: core plus core plus core often just equals “more of the same,” not deeper diversification.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 35.00%
    35.0%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 30.00%
    31.4%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc)
    Weight: 15.00%
    14.8%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.8%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    9.0%

Risk contribution is where we see which holdings actually drive the drama. Here, the top three funds (ACWI, S&P 500, Europe Momentum) are 80% of total risk — no surprise given their weights, but still a concentration warning. Risk contribution roughly matches weight, so nothing is secretly terrifying, but those top three are absolutely running the show. That 30% S&P slice alone throws in more than 31% of volatility, helped by its overlap with ACWI. Takeaway: trimming risk isn’t about fiddling with the small factor ETFs — it’s the big two global/US cores that decide whether your portfolio whispers or screams.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

You’ve basically doubled up your US exposure via two very correlated funds: the S&P 500 ETF and the ACWI ETF. Correlation just means they move almost the same way — like watching the same movie on two screens and thinking you’re seeing something new. In a crash, both of these will head south together, so holding them side by side doesn’t magically spread risk; it just layers exposure to similar drivers. Takeaway: core overlap is fine, but don’t kid yourself — this isn’t two independent engines, it’s one big US-led engine wearing two tickers.

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 risk–return chart, your portfolio is sitting a bit below the efficient frontier, which is the “best bang for your buck” curve given your current ingredients. Sharpe ratio of 1.21 vs 1.73 for the optimal mix basically says, “Nice result, but you left performance on the table for the same level of stress.” The minimum variance version even gives similar returns with less risk. Translation: with *just* different weights in the same funds, you could have had smoother or better outcomes. Takeaway: this isn’t a disaster, but it is slightly like assembling IKEA furniture without reading the instructions — functional, just not as clean as it could be.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc) 0.25%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.26%

Costs are, annoyingly, very reasonable. A total TER around 0.26% for a factor-heavy, multi-ETF setup is actually pretty tight. The ACWI fund at 0.45% is the diva of the group, but the cheaper iShares pieces drag the average back down to sanity. Paying more than needed is like tipping 50% for terrible service, and at least here you’re not lighting money on fire. Takeaway: you’re not being robbed by fees; if returns disappoint someday, it won’t be because the ETFs quietly ate your lunch — it’ll be down to market reality, not cost drag.

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