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Flashy gains fragile guts and a home bias that thinks Slovenia is the whole stock market

Report created on Jul 1, 2026

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio looks like someone started with a regional ETF, got bored, then sprinkled in hype and pet favorites. Almost half the money is in a single Slovenia-focused ETF, then there’s a handful of concentrated stock bets, and on top of that crypto plus a bit of gold for conscience-soothing. It’s less “carefully built portfolio” and more “playlist of things that caught the eye over a few years.” The structure screams conviction without much balance: one anchor, a few star stocks, then chaos. That kind of setup can look clever while markets behave, but when they don’t, everything leans heavily on a couple of big, very specific calls actually working.

Growth Info

Historically, this thing has absolutely flown: a €1,000 investment turning into €4,395 is wild, with a 34.68% CAGR that humiliates both US and global markets. Then you look at the -53% max drawdown and remember why roller coasters have seatbelts. CAGR (compound annual growth rate) is the smooth “average speed,” while the drawdown shows how far the portfolio plunged along the way, and this plunge was brutal and slow to recover. Also, 90% of the returns came from just 25 days — this is basically a casino that pays out on a few rare spins. It worked spectacularly so far, but past data is more like a highlight reel than a guarantee.

Projection Info

The Monte Carlo projection basically says, “Congrats on your past, the future will be way more boring and possibly painful.” Monte Carlo just means the system runs thousands of random market paths to see how the portfolio might behave. Here, the median outcome after 15 years is €2,284 from €1,000 — not exactly repeating the recent heroics. A 64% chance of a positive return is decent but far from bulletproof, and the range from about €955 to €5,371 shows just how wide the possible paths are. It’s a reminder that past turbo-charged performance doesn’t magically translate into future rocket ships.

Asset classes Info

  • No data
    50%
  • Stocks
    41%
  • Crypto
    10%

Asset class-wise, the pie chart is half “no data,” 41% stocks, and 10% crypto, which is a polite way of saying, “We’re not really sure what half this thing is, but there’s definitely some gambling going on.” The 10% crypto chunk already puts this in the high-octane camp; it’s like putting nitrous on a car that already turns too fast. Meanwhile, the clear equity slice is relatively modest given the aggressive risk rating. When a big chunk of the portfolio sits in the mystery “no data” bucket, it becomes harder to understand how this thing will behave when markets freak out — and surprises usually aren’t good ones.

Sectors Info

  • Technology
    14%
  • No data
    12%
  • Crypto
    10%
  • Consumer Discretionary
    4%
  • Industrials
    4%
  • Basic Materials
    3%
  • Financials
    2%
  • Telecommunications
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure looks like someone dialed “tech and shiny stuff” up, and then left everything else on background mode. Technology is the only real standout, with crypto even getting its own dedicated slice like it’s a respectable sector instead of pure volatility. Other sectors show up more as decoration than serious commitments. This creates a portfolio that’s very reliant on the success of a narrow band of growth-y, story-driven areas. If the market mood shifts toward boring, cash-generating businesses, this setup can feel very out of sync. It’s the financial equivalent of building a diet around energy drinks and protein bars: works great until it doesn’t.

Regions Info

  • Europe Developed
    16%
  • North America
    9%
  • No data
    6%
  • Asia Developed
    5%
  • Asia Emerging
    4%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is wearing a “global” badge but thinking very locally. Europe Developed dominates, and the Slovenia ETF is the loudest voice in the room. North America and Asia are present, but as supporting characters rather than real pillars. For a supposedly aggressive, highly diversified portfolio, the geographic spread is surprisingly lopsided. It’s like saying “I travel a lot” because you go to the same two countries on repeat. When one region — and in practice, one small market inside that region — has this much influence, the portfolio’s fate gets tied to local politics, economics, and market quirks way more than global trends.

Market capitalization Info

  • Large-cap
    20%
  • Mega-cap
    13%
  • Small-cap
    3%
  • Micro-cap
    3%
  • Mid-cap
    1%

This breakdown covers the equity portion of your portfolio only.

The market cap mix looks vaguely normal on the surface — some megacaps, some large caps, a sprinkling of small and micro — but the story underneath is more awkward. The heavyweights are doing the sensible part: big, liquid names that keep the thing from flying completely off the rails. But the small and micro-cap sliver carries far more drama than its modest percentages suggest, because those companies tend to move like penny stocks with branding. It’s like mixing blue-chip giants with a few tiny, excitable science projects — the big guys keep the lights on, the tiny ones swing the mood.

True holdings Info

  • Novo Nordisk A/S Class B
    12.31%
  • Mercadolibre Inc
    3.08%
  • Tharisa plc
    3.08%
  • Invinity Energy Systems PLC
    3.07%
  • NVIDIA Corporation
    1.81%
    Part of fund(s):
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
  • Apple Inc.
    1.62%
    Part of fund(s):
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
  • Microsoft Corporation
    1.12%
    Part of fund(s):
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
  • Broadcom Inc
    0.71%
    Part of fund(s):
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
  • Micron Technology Inc
    0.39%
    Part of fund(s):
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
  • Advanced Micro Devices Inc
    0.30%
    Part of fund(s):
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
  • Top 10 total 27.48%

This breakdown covers the equity portion of your portfolio only.

Look-through holdings show an almost comical split: on one side, concentrated direct stock bets like Novo Nordisk and Mercadolibre; on the other, the usual tech megacap suspects sneaking in via ETFs. There isn’t obvious overlap disaster here, but the coverage is barely over a quarter of the portfolio, so hidden doubling-up can’t be ruled out. What’s clear is that the top underlying names are either global mega-stars or idiosyncratic single-stock punts, with not much in between. That creates a weird barbell: famous giants on one end, niche stock stories on the other, and very little boring middle ground to stabilize things.

Risk contribution Info

  • Expat Slovenia SBI Top UCITS ETF
    Weight: 44.31%
    34.0%
  • Ethereum
    Weight: 5.54%
    17.0%
  • Novo Nordisk A/S Class B
    Weight: 12.31%
    13.4%
  • Bitcoin
    Weight: 4.31%
    8.5%
  • Xtrackers MSCI World Information Technology UCITS ETF 1C
    Weight: 9.84%
    8.4%
  • Top 5 risk contribution 81.2%

Risk contribution is where the mask really slips. That Slovenia ETF at 44% weight contributes about 34% of total risk, which is already huge. But Ethereum, with just 5.5% weight, throws in a ridiculous 17% of the total risk by itself — more than triple its size would suggest. Bitcoin also punches way above its weight. Risk contribution is basically asking, “Who’s actually shaking the portfolio?” and the answer is: the regional ETF and the crypto duo. Top three holdings driving over 64% of total risk means this isn’t a diversified machine; it’s three loud positions dragging everything around while the rest watches.

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, this portfolio is basically paying extra for drama it doesn’t need. The current setup has a Sharpe ratio of 1.79, clearly below both the max-Sharpe and minimum-variance options that use the exact same ingredients but in smarter proportions. The efficient frontier is just the curve of “best possible trade-offs” given these holdings, and this portfolio is sitting about 2.6 percentage points under that line at its chosen risk level. Translation: same building blocks, worse result. It’s like someone assembled IKEA furniture without reading the manual — it stands, but it definitely doesn’t look like the picture.

Ongoing product costs Info

  • Xtrackers MSCI World Information Technology UCITS ETF 1C 0.25%
  • Lyxor UCITS MSCI Asia Ex Japan C-EUR 0.50%
  • Weighted costs total (per year) 0.07%

Costs are the one area where this portfolio doesn’t need a lecture. A total TER of 0.07% is impressively low, especially given the use of niche regional and thematic ETFs that often charge more. That’s like accidentally walking into business class and not getting kicked out. The stock and crypto positions bypass fund fees entirely, of course, so the ongoing cost drag is tiny. The irony is that the fee side looks institutional-level efficient while the overall structure behaves like a very personal experiment. At least the chaos comes cheap — if you’re going to ride a roller coaster, it’s nice not to pay extra for the ticket.

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