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Three index funds in a trench coat pretending to be cutting edge diversification

Report created on Apr 29, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Structurally this “portfolio” is three funds in a beige trench coat: one giant US fund doing the heavy lifting and two sidekicks labelled Europe and Emerging Markets so it looks worldly. It’s basically a single global equity index built by hand but with a very strong US accent. For something tagged “balanced,” there is exactly zero balance between growth and stability; it’s stocks or bust. This setup is simple and, grudgingly, not dumb, but let’s not pretend it’s some sophisticated allocation. It’s a one-theme show: own the global stock market, mostly via the US, and hope capitalism keeps doing its thing.

Growth Info

Historically, this thing has ridden the recent equity wave like a champ: €1,000 turning into €1,568 with a 19.75% CAGR is nose‑to‑nose with both the US and global benchmarks. That’s not skill, that’s catching the same tech‑led bull market everyone else did. Max drawdown at -21.44% shows the usual equity rollercoaster: it dropped hard over two months and needed another six to crawl back. Classic “feels great until it doesn’t.” And needing just 18 days for 90% of returns is the usual reminder that missing a handful of wild up days turns a victory lap into “why did I bother.” Past data is yesterday’s weather, not a forecast.

Projection Info

The Monte Carlo projection basically says, “Welcome to the stock market casino, odds slightly in your favor.” Simulations spit out a median of €2,736 in 15 years from €1,000, but with a very wide possible range from barely breaking even to almost €7,800. Monte Carlo is just rerunning many alternate histories using past volatility and returns, which works until the future decides to improvise. A 75% chance of a positive outcome is decent, but it also quietly admits a one‑in‑four shot that 15 years later this wasn’t worth the drama. This is what 100% equity looks like: high upside, emotionally expensive downside.

Asset classes Info

  • Stocks
    100%

Asset-class “diversification” here is a joke: 100% stocks, 0% everything else. No bonds, no cash buffer, no real assets, nothing that might behave differently when equities throw a tantrum. For something tagged “balanced,” it’s basically an adrenaline junkie in a business suit. When markets are friendly, this looks smart and efficient. When they’re not, it’s full‑frontal exposure with no shock absorbers. Asset classes are like different food groups; this plate is just meat with a side of meat. It’s coherent, sure, but anyone calling it balanced deserves a gentle side‑eye.

Sectors Info

  • Technology
    30%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, this portfolio has a clear tech crush: 30% in Technology plus big names like NVIDIA, Apple, Microsoft, and the usual mega‑cap gang running the show. Financials, industrials, and health care get reasonable airtime, but they’re basically supporting actors in the “Big Tech Expanded Universe.” This works beautifully when tech is the hero and markets reward growth and hype. When tech stumbles or gets regulation fever, that 30% starts feeling like a very specific bet disguised as diversification. The rest of the sectors are there mostly so the allocation table doesn’t look completely embarrassing.

Regions Info

  • North America
    70%
  • Europe Developed
    15%
  • Asia Developed
    6%
  • Asia Emerging
    6%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is “America first, everyone else can carpool.” About 70% in North America, 15% in Europe, and the rest sprinkled over Asia and emerging regions like seasoning. For a European investor, it’s especially funny: home is treated like a side quest, while the US gets main character energy. It’s basically a world portfolio with training wheels and a heavy US tilt, which has been rewarded recently but isn’t exactly original thinking. The small allocations to emerging regions are just enough to feel worldly, not enough to actually move the needle if those markets go wild.

Market capitalization Info

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

Market cap exposure screams “index hugger”: 48% mega‑cap, 34% large‑cap, 17% mid‑cap, and a sad 1% small‑cap just to tick the box. This is the corporate oligarchy portfolio, letting the biggest companies on earth dictate what happens to performance. When mega‑caps dominate, this feels unstoppable; when leadership rotates to smaller, scrappier names, this setup just shrugs and keeps following the giants. It’s the equity equivalent of only ever listening to the top‑40 playlist: safe, popular, slightly boring, and completely dependent on the current chart‑toppers behaving themselves.

True holdings Info

  • NVIDIA Corporation
    5.29%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Apple Inc
    4.65%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Microsoft Corporation
    3.43%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Amazon.com Inc
    2.54%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class A
    2.09%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Broadcom Inc
    1.83%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.72%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Alphabet Inc Class C
    1.67%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Meta Platforms Inc.
    1.56%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Tesla Inc
    1.30%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Top 10 total 26.09%

The look‑through holdings are basically a tech mega‑cap fan poster. NVIDIA, Apple, Microsoft, Amazon, Alphabet (twice for good measure), Meta, Tesla, TSMC, Broadcom — all front and center. The overlap is exactly what you’d expect when three broad indexes meet: the same US monsters appear everywhere, giving sneaky concentration even though nothing looks outrageous on the surface. The coverage is only about a third of the portfolio, so the real overlap is probably even higher. On paper it’s three funds; under the hood it’s “Big Tech and Friends” replayed across multiple wrappers.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 70.00%
    75.1%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 15.00%
    13.8%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc)
    Weight: 15.00%
    11.2%

Risk contribution is where the illusion of diversity really dies. The S&P 500 ETF is 70% by weight but over 75% of total risk, clearly in main‑character mode. Emerging Markets adds some spice at 15% weight and almost 14% risk, while Europe quietly contributes less risk than its weight, doing the boring adult job. All three holdings make up essentially 100% of the risk — because there are only three of them — but one of them is obviously hogging the spotlight. It’s a textbook case of “you own three funds, but only one decides how your emotional life goes.”

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 risk vs. return, the portfolio actually behaves like it did at least one thing right on purpose. The current Sharpe ratio of 1.12 is below the theoretical optimal 1.38 and also under the minimum variance setup at 1.32, but the frontier notes say it’s basically on the efficient frontier. Translation: for this particular set of ingredients, the trade‑off between risk and return is reasonably efficient. It’s like poorly chosen food groups, but at least the portion sizes are decent. You’re not leaving obvious performance on the table just because of the weights — the inefficiency comes from the ingredients themselves, not how they’re mixed.

Ongoing product costs Info

  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • Weighted costs total (per year) 0.06%

Costs are the one area where this portfolio looks almost suspiciously competent. A total TER around 0.06% is bargain‑bin cheap; it’s like accidentally walking into first class and no one asking for your ticket. The individual fund fees are all low, and the overall drag is tiny compared with what many people quietly bleed to active managers doing roughly the same thing with worse results. There’s not much to roast here except that the simplicity and low cost make the rest of the “balanced” label even funnier — you paid almost nothing to build a 100% equity rollercoaster.

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