Roast mode 🔥

Global-ish equity core with a full send into the US and a token nod to diversification

Report created on May 22, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This “balanced” portfolio is 100% stocks and 80% one single fund. Calling it balanced is generous; it’s basically an S&P 500 portfolio with a couple of small side quests into Europe and emerging markets to look sophisticated. Three ETFs means the structure is clean, but also painfully straightforward: if global stocks wobble, this thing moves with them, not around them. There’s zero ballast and zero creative thinking here, just pure equity beta in slightly different regional wrappers. It’s like a three-ingredient recipe: simple, effective, but don’t pretend it’s a tasting menu.

Growth Info

Historically this mix has ripped: €1,000 turning into €1,649 in under three years and a 21.58% CAGR is monster territory. CAGR, by the way, is the “average speed” of growth per year, smoothing out the bumps. You very slightly beat both the US and global benchmarks, which is basically what you’d expect from “S&P 500 plus a bit.” The -22% max drawdown is the hangover that comes with these party-level returns. And those 20 days creating 90% of returns? Blink on the wrong days and the magic disappears. Past data is useful, but it’s still yesterday’s weather.

Projection Info

The Monte Carlo simulation is the “what if” machine: it runs thousands of random futures based on past volatility and return patterns. Here, the median outcome of €2,778 after 15 years from €1,000 is solid but not fantasy-land, and the 5–95% range from €965 to €7,720 screams “anything can happen.” That 73.6% chance of a positive result sounds comforting, until you remember it also implies a decent shot of going nowhere for a decade and a half. Simulations are like financial fan fiction: structured, informative, but still not a script the future has to follow.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” is non-existent: this is 100% equities, zero bonds, zero cash, zero anything else. For a risk score of 4/7 and a “moderately diversified” badge, that’s bold. It’s like calling a diet “balanced” because it includes both pizza and burgers. When markets behave, an all-stock setup looks clever; when they don’t, there’s nowhere to hide and no stabilizer. The entire ride is strapped directly to global equity sentiment. Any talk of balance here is marketing spin, not asset class reality.

Sectors Info

  • Technology
    33%
  • Financials
    13%
  • Telecommunications
    10%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, tech is clearly running the show at 33%. That’s a third of the portfolio tied to one high-octane area that can make you feel like a genius on the way up and a fool on the way down. The rest is a fairly textbook spread across financials, telecoms, consumer stuff, and industrials, but none of them come close to tech’s influence. This isn’t a disaster, but it is a conscious bet disguised as “broad exposure.” When one sector is the main character, the others are just supporting cast hoping for screen time.

Regions Info

  • North America
    80%
  • Europe Developed
    10%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is basically “USA and some supporting extras.” North America at 80% dominates everything, with Europe and the rest of the world reduced to decoration so the allocation pie chart doesn’t look embarrassing. For a European investor, it’s mildly funny that home turf only gets 10% while the US gets the whole stage. The rest of the world collectively might as well be a rounding error. This approach works brilliantly when the US leads, and looks oddly parochial when it doesn’t. Global-ish, sure, but heavily US-flavored.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    1%

Market cap exposure is almost entirely in the grown-up end of town: 48% mega-cap, 34% large-cap. Mid-caps get a small slice, and small caps are basically an afterthought at 1%. This is the definition of “own the giants and hope they keep doing giant things.” It’s low-drama in the sense that you’re holding big, established names, but it’s also low imagination. If market leadership ever rotates meaningfully to smaller companies, this portfolio will be watching from a safe distance, politely clapping instead of participating.

True holdings Info

  • NVIDIA Corporation
    6.25%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Apple Inc
    5.14%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Microsoft Corporation
    3.90%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Amazon.com Inc
    3.34%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class A
    2.89%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Broadcom Inc
    2.55%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class C
    2.30%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Meta Platforms Inc.
    1.73%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Tesla Inc
    1.38%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.23%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Top 10 total 30.72%

The look-through holdings scream “US mega-cap tech fan club.” NVIDIA, Apple, Microsoft, Amazon, Alphabet (twice), Broadcom, Meta, Tesla, and TSMC dominate the visible layer. That’s not diversification; that’s a curated list of stocks that all get invited to the same earnings-party every quarter. There’s also overlap risk hiding here: the same big names appear across multiple ETFs, so the true concentration is higher than it looks. And remember, this is only the top 10 of each ETF — the 64.5% uncovered chunk could quietly double down on similar themes without even showing up in this snapshot.

Risk contribution Info

  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 80.00%
    84.4%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 10.00%
    8.7%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc)
    Weight: 10.00%
    7.0%

Risk contribution here is hilariously lopsided: the S&P 500 ETF is 80% of the weight but 84.35% of total risk. The other two funds are basically ornamental in risk terms, adding just a light sprinkling of extra volatility. Risk contribution is about who’s really shaking the portfolio, not who looks big on paper — and your main fund is doing nearly all the shaking. If that core position coughs, the whole portfolio catches a cold. This is concentration in disguise: three tickers, one true driver.

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 itself. A Sharpe ratio of 1.21 with return and risk not far from the maximum Sharpe and minimum variance combos suggests the weights aren’t dumb. The efficient frontier is basically the “best possible trade-offs” curve using the same ingredients, and you’re sitting right on or near it. So yes, this is an all-equity, US-heavy beast — but at least it’s not an inefficient beast. Credit where due: for what it holds, the risk/return trade-off is surprisingly well-tuned.

Ongoing product costs Info

  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.12%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • State Street SPDR S&P 500 UCITS ETF (Acc) 0.03%
  • Weighted costs total (per year) 0.05%

Costs are the one area where this portfolio looks almost suspiciously sensible. A total TER of 0.05% is bargain-bin territory; it’s basically paying economy prices for a ride that looks a lot like everyone else’s market-linked rollercoaster. For once, there’s no fee drama, no sneaky expense ratios pretending to add magic. The roasting here is simple: you built a very basic, very concentrated equity portfolio — but at least you didn’t overpay for the privilege. You must have accidentally clicked on the cheap ETFs.

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