Roast mode 🔥

Value flavoured US mega cap worship with a light European garnish pretending to be diversification

Report created on May 6, 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 with 65% parked in a plain S&P 500 tracker and the rest sprinkled into two value factor side quests. It looks less like a carefully crafted mix and more like “bought the big US ETF, then felt guilty and added some value funds.” The structure is basically one main engine and two smaller trailers attached. Calling this balanced is optimistic; it’s equity rocket fuel with a light value aftertaste. Composition like this usually means when the main core sneezes, the whole thing catches a cold, while the add-ons don’t really change the personality — just the accent.

Growth Info

Historically, this thing has been on a heater: €1,000 turning into €1,699 with a 23.83% CAGR beats both the US and global markets by roughly 4 percentage points a year. That’s great, but over this short, very friendly window it’s like judging your driving skills based on one sunny road trip. Max drawdown of about -21% shows it can still punch you in the gut when markets wobble. Only 23 days made up 90% of returns, which means missing a handful of big up days could have totally changed the story. Past performance here is flattering, not necessarily honest.

Projection Info

The Monte Carlo projection basically says, “Could be great, could be average, could be meh.” Simulations spit out a median outcome of €2,720 from €1,000 in 15 years, but with a possible range from “barely broke even” to “lottery win adjacent.” Monte Carlo is just a fancy way of rolling the dice 1,000 times using past volatility and returns, assuming the future sort of rhymes with history. The 72.6% chance of a positive return is fine, but not magical. These numbers are more weather forecast than prophecy — general direction useful, precise outcome pure fiction.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is simple: there isn’t any. It’s 100% stocks, all the time, no seatbelt, no airbags. For something labelled “balanced,” this is basically an equity-only joyride. In asset-class terms, that means when stocks have a tantrum, everything in this portfolio goes into time-out together. There’s no meaningful buffer from cash, bonds, or anything remotely defensive. It’s efficient in a blunt way — every euro is working in the same risk lane — but it leaves no room for “different stuff behaving differently” when markets get ugly.

Sectors Info

  • Technology
    30%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, the portfolio talks a big “value” game but the look-through tells a different story. Tech sits at 30%, the single biggest slice, with mega names dominating the top exposures. That’s not subtle value; that’s growth royalty wearing a value hat. Financials and industrials show up respectably, but they’re supporting actors, not leads. Real diversification would mean sector risk is spread like a buffet; this is more like a set menu where tech is the main course and everything else is garnish. If tech leadership ever takes a break, this portfolio will feel it loudly.

Regions Info

  • North America
    65%
  • Europe Developed
    19%
  • Asia Developed
    8%
  • Asia Emerging
    5%
  • Latin America
    2%
  • Europe Emerging
    1%

Geographically, this is “America first with some guilt-tripped extras.” Around 65% in North America, then a modest 19% in developed Europe and a token scattering across Asia and Latin America. For a European investor, it’s basically saying, “I live here, but my money thinks the US is the only competent adult.” The rest of the world gets just enough allocation to appear in the brochure, not enough to matter in a crisis. When US markets sneeze, this portfolio doesn’t get a global second opinion — it just catches the same cold with a slight accent.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    38%
  • Mid-cap
    15%
  • Small-cap
    1%

Market cap exposure is very polite and very boring: 46% mega-cap, 38% large-cap, 15% mid, and a tiny 1% in small. This is the corporate version of shopping only at the biggest supermarket chains and occasionally walking past a local shop. Everything meaningful happens in the giant, well-covered household names. That keeps things relatively predictable but also means the portfolio leans heavily into whatever mood the big end of town is in. If large and mega caps underperform, there isn’t much help coming from smaller, spicier companies — they’re basically a rounding error.

True holdings Info

  • NVIDIA Corporation
    4.91%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Apple Inc
    4.32%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Microsoft Corporation
    3.19%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Amazon.com Inc
    2.36%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class A
    1.94%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Broadcom Inc
    1.70%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class C
    1.55%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.55%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Meta Platforms Inc.
    1.45%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Tesla Inc
    1.21%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Top 10 total 24.18%

Look-through holdings are a greatest-hits tech and US mega-cap playlist: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — you’ve basically bought the Nasdaq fan club via the S&P core. These names appear across funds, creating hidden overlap that’s stronger than the simple ETF list suggests. Even though only top-10 ETF holdings are captured, it’s obvious: the same few giants are driving a big chunk of behaviour. That’s concentration by stealth. It looks like three funds on paper, but under the hood it’s one big bet on the global megacap elite, plus a value-flavoured side salad.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 65.00%
    69.6%
  • iShares Edge MSCI Europe Value Factor UCITS ETF EUR (Acc)
    Weight: 20.00%
    15.7%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    14.7%

Risk contribution is where the disguise falls off. The S&P 500 ETF is 65% of the weight but 69.61% of the total risk — so it’s slightly louder than its stated share. The two value funds together are only about 30% of risk, which means they’re basically passengers. Risk contribution shows who’s actually shaking the portfolio during market swings, and here it’s one nameplate doing nearly all the work. When 100% of portfolio risk comes from just three positions that track broad markets, this isn’t a mosaic; it’s a single big bet with two smaller echoes.

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 chart is quietly roasting this setup. The current portfolio’s Sharpe ratio of 1.37 sits noticeably below what’s possible using the same ingredients. The optimal mix of these exact three funds hits a Sharpe of 1.89 with slightly higher return and only a touch more risk, while the minimum variance version even squeezes out better risk-adjusted performance. Being 3.73 percentage points below the frontier means the portfolio is paying for risk it doesn’t need to. It’s like buying three decent cars, then arranging them in the least gas-efficient way possible for a road trip.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI Europe Value Factor UCITS ETF EUR (Acc) 0.25%
  • Weighted costs total (per year) 0.11%

Costs are the part that actually behaves like an adult. A total TER around 0.11% is impressively low given two factor ETFs in the mix. The EM value fund at 0.40% is a bit chunky, but the huge S&P core drags the overall average down nicely. This is like flying mostly economy with one slightly overpriced connecting leg and still ending up with a cheap overall ticket. Fees here are not the problem; if anything, they’re the one area where the portfolio looks intentionally thought-through rather than thrown together during a late-night ETF scroll.

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