This portfolio has only about 1.5 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

A balanced and globally diversified portfolio with a strong focus on developed markets

Report created on Aug 25, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is predominantly invested in ETFs, with a significant allocation to the Invesco S&P 500 UCITS ETF, comprising 65% of the portfolio. This heavy weighting towards the S&P 500 suggests a strong bias towards US equities and large-cap companies. The diversification across other regions and market segments is achieved through the inclusion of Xtrackers MSCI World ex USA UCITS ETF, iShares MSCI World Value Factor UCITS, iShares MSCI EM UCITS ETF, and iShares MSCI World Small Cap UCITS ETF. This structure indicates a strategic blend of growth and value investing, with a minor emphasis on emerging markets and small-cap stocks.

Growth Info

The portfolio has shown a Compound Annual Growth Rate (CAGR) of 14.30%, with a maximum drawdown of -17.71%. These metrics suggest a robust performance, with the portfolio demonstrating resilience during market downturns. The days contributing 90% of returns being limited to 7.0 indicates that the portfolio's gains are concentrated in a few significant positive market movements. This performance should be weighed against the backdrop of overall market trends during the same period.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, project a wide range of returns for this portfolio. With all simulations showing positive returns and a median projected increase of 503.7%, the outlook appears optimistic. However, it's crucial to remember that these projections are based on past market behavior, which does not guarantee future results. The simulations offer a helpful perspective on potential volatility and returns, aiding in risk management and expectation setting.

Asset classes Info

  • Stocks
    100%

The portfolio is exclusively invested in stocks, reflecting a focused investment strategy but also exposing it to equity market volatility. While stocks have historically offered higher returns compared to other asset classes, they also come with increased risk. Diversifying across different asset classes, such as bonds or real estate, could provide a buffer against stock market fluctuations, potentially leading to a more stable portfolio performance over time.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation shows a strong emphasis on technology, financial services, and industrials, which are sectors known for their growth potential but also for their volatility. The presence of consumer cyclicals and healthcare adds a balance of defensive and growth-oriented sectors, which can be beneficial during different economic cycles. However, the concentration in technology and financial services could expose the portfolio to sector-specific risks.

Regions Info

  • North America
    74%
  • Europe Developed
    13%
  • Japan
    6%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 74% of assets allocated to North America, primarily the United States, the portfolio is heavily weighted towards developed markets, which are generally considered less risky than emerging markets. The diversification into Europe, Japan, and a minimal exposure to emerging markets in Asia, Australasia, and Africa/Middle East, provides a global spread that can capture growth across different regions. However, the limited exposure to emerging markets may mean missing out on potential high-growth opportunities.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    35%
  • Mid-cap
    17%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's focus on mega and big-cap stocks, constituting 79% of the allocation, aligns with its risk-balanced profile, as these companies typically offer more stability and less volatility than their smaller counterparts. Medium, small, and micro-cap stocks, although more volatile, can offer higher growth potential. Including a broader mix of market caps could enhance the portfolio's growth prospects while maintaining a balanced risk profile.

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 analysis suggests that an optimized portfolio with the same risk level could achieve a slightly higher expected return of 15.66%. This optimization indicates that there might be opportunities to tweak the asset allocation to enhance returns without increasing risk significantly. Rebalancing the portfolio to include assets or sectors with higher expected returns or lower correlations could achieve this improved efficiency.

Ongoing product costs Info

  • iShares MSCI World Value Factor UCITS 0.30%
  • iShares MSCI EM UCITS ETF USD (Acc) 0.18%
  • Invesco S&P 500 UCITS ETF 0.05%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) 0.35%
  • Weighted costs total (per year) 0.09%

The portfolio's costs are impressively low, with a Total Expense Ratio (TER) averaging 0.09%, which is beneficial for long-term growth. Lower costs mean more of the portfolio's returns are retained by the investor, rather than being eroded by fees. This efficient cost structure is commendable and aligns with best practices for maximizing investment returns over time.

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