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A portfolio that thinks diversification is a buffet but only fills up on bread

Report created on Aug 16, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Let's start with this eclectic mix that seems to have been thrown together with the precision of a toddler's first attempt at art. At first glance, it looks like someone tried to paint a global masterpiece but ended up with a heavy-handed splatter of U.S. equities. With 30% in an S&P 500 ETF and a delightful 15% in NASDAQ-100, it's like betting on red and black at the roulette table but forgetting there's also a zero.

Growth Info

Historically, this portfolio's CAGR of 11.84% might have you feeling like Midas, but remember, even Midas had his regrets. The max drawdown of -23.97% should be a cold shower, reminding you that what goes up can come crashing down. Relying on a few golden days for the bulk of returns is like expecting to win the lottery because your neighbor did.

Projection Info

Monte Carlo simulations are like weather forecasts for your money, and this portfolio's forecast has a high chance of sunshine with a side order of potential hurricanes. With a 5th percentile at a dismal 37.5% growth, it's a stark reminder that not all sunny days are at the beach. Diversify your sunscreen, or you might just get burnt.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and oh, more stocks. With 100% in equities, this portfolio is like a diet consisting entirely of steak – thrilling but lacking essential nutrients. The absence of bonds, commodities, or even a hint of cash is a bold move, akin to skydiving without a parachute and hoping for a soft landing.

Sectors Info

  • Technology
    28%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    3%

Technology at 28%? This portfolio has a stronger tech addiction than a teenager with their first smartphone. While tech can deliver explosive growth, it's also prone to dramatic crashes. And with financial services and consumer cyclicals trailing behind, it's like having all your eggs in baskets that the market loves to kick over.

Regions Info

  • North America
    86%
  • Europe Developed
    8%
  • Japan
    2%
  • Asia Emerging
    1%
  • Asia Developed
    1%
  • Australasia
    1%

With 86% in North America, this portfolio screams "America First" louder than a political rally. The meager 8% in developed Europe and token gestures elsewhere are like sprinkling parsley on a steak and calling it a salad. Global diversification isn't just a nice idea; it's a necessity unless you enjoy roller coaster rides without the safety harness.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    12%
  • Micro-cap
    5%

The mega and big cap focus is like preferring blockbuster movies over indie films; it's safer, but you'll miss out on some gems. With 39% in mega-caps, you're riding the waves with the titans of industry, but the scant 5% in micro-caps means you're ignoring the potential stars of tomorrow. Diversity in size can be as important as in sector or geography.

Redundant positions Info

  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    SPDR® MSCI USA Small Cap Value Weighted UCITS ETF USD Acc EUR
    High correlation
  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    iShares MSCI ACWI UCITS ETF USD (Acc) EUR
    iShares Core S&P 500 UCITS ETF USD (Acc)
    High correlation

The portfolio's version of diversification is like having different brands of the same flavor of ice cream. With highly correlated assets, especially among the small caps and the big boys like the S&P 500 and All-World ETFs, you're not spreading risk; you're just multiplying it in disguise. It's time to introduce some real variety, not just variations on a theme.

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.

This portfolio's idea of optimization is like trying to lose weight by only eating salads at fast-food restaurants. The overlapping assets suggest a misunderstanding of diversification, akin to collecting different editions of the same book. Before trying to optimize, it's crucial to declutter and realign your investments to truly harness the power of diversification.

Ongoing product costs Info

  • Invesco EQQQ NASDAQ-100 UCITS ETF Acc 0.35%
  • iShares MSCI World Momentum Factor UCITS 0.30%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • iShares MSCI ACWI UCITS ETF USD (Acc) EUR 0.20%
  • iShares Core S&P 500 UCITS ETF USD (Acc) 0.12%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • SPDR® MSCI USA Small Cap Value Weighted UCITS ETF USD Acc EUR 0.30%
  • Weighted costs total (per year) 0.24%

At least you're not throwing money out the window with high fees. A total TER of 0.24% is like finding a designer suit at a thrift store price. But remember, even a great deal won't look good if it doesn't fit. Make sure those low-cost ETFs are serving your portfolio's goals, not just its budget.

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