This portfolio has only about 1 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.
Get this analysis for your own portfolio Paste your holdings — the first report is free and takes about a minute. Analyze mine Roast mode 🔥

Conservative portfolio wearing a suit on top and meme coin T shirt underneath

Report created on Apr 1, 2026

Risk profile Info

2/7
Conservative
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
Curious how your own portfolio scores? Same analysis, your holdings. First report free — no card needed. Analyze mine

Positions

Structurally this thing is having an identity crisis. On paper it’s a “conservative” portfolio with almost half in a super‑dull euro floating rate bond fund, but then 14% is yeeted into Bitcoin like someone snuck in after hours. Add a big S&P 500 chunk, a tiny global fund, and a side order of gold, and you’ve basically built a risk sandwich: boring bread, spicy filling. For a 2/7 risk score, that Bitcoin slice is hilariously loud. The main takeaway: decide whether the goal is smooth and steady or thrill ride lite, because right now you’ve tried to do both in one portfolio and it shows.

Growth Info

Over the very short one‑year window, €1,000 crawled to €1,041. That 4.03% CAGR (compound annual growth rate — your average “trip speed”) lagged both the US market and the global market, which did 5.34% and 7.95%. So you took a smaller max drawdown at -8.28% versus roughly -15% for the benchmarks, but you also got paid less for it. And 90% of your returns came from just three days, which is wild. With only a year of data, this is more “vibe check” than verdict, but so far you’re mostly proving that being cautious can also mean being underpaid.

Projection Info

The Monte Carlo simulation — basically running 1,000 alternate futures with dice loaded by past data — says €1,000 could “most likely” become around €2,377 in 15 years, with a decent spread from “meh” (€1,092) to “nice” (€5,059). That 6.45% average annualized return sounds cool, but remember, this is built on barely a year of history. That’s like predicting your lifetime driving record from your first month behind the wheel. The useful bit: odds of a positive outcome (71%) are in your favor, but the range is wide enough that you should emotionally prepare for both boredom and occasional chaos.

Asset classes Info

  • Bonds
    47%
  • Stocks
    33%
  • Crypto
    14%
  • No data
    6%

Asset class mix: 47% bonds, 33% stocks, 14% crypto, and 6% mystery “no data.” The bond chunk says “I like sleeping at night,” the Bitcoin says “but I also like checking the price at 2 a.m.,” and the equity slice is a fairly standard growth engine. For something labeled conservative, 14% in a hyper‑volatile asset is bold bordering on theatrical. It’s like putting racing tires on a Volvo. General takeaway: if stability is the main goal, the bond/equity split makes sense, but the crypto chunk is doing its best to sabotage the “low drama” story.

Sectors Info

  • Technology
    11%
  • No data
    6%
  • Financials
    4%
  • Telecommunications
    3%
  • Consumer Discretionary
    3%
  • Health Care
    3%
  • Industrials
    3%
  • Consumer Staples
    2%
  • Energy
    1%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector‑wise, technology sits on top at 11%, with everything else sprinkled in small doses: financials, telecom, consumer, healthcare, industrials, etc. On the equity side, this is very “index default”: slightly tech‑tilted, but not some wild fanboy bet. Given how much of your real risk comes from a single crypto position, the sector profile looks almost boringly sensible by comparison. That’s not an insult; it just means the stocks themselves aren’t the main chaos engine here. The lesson: your sector mix is fine, but any comfort you feel from that should be downgraded once you remember Bitcoin is driving the emotional roller coaster.

Regions Info

  • North America
    31%
  • No data
    6%
  • Europe Developed
    1%

This breakdown covers the equity portion of your portfolio only.

Geography is basically “USA and almost nothing else.” North America at 31%, a lonely 1% in developed Europe, and 6% black‑box “no data.” For a European investor, you’ve essentially decided your home market and the rest of the world are background extras in an American movie. That can work when the US outperforms, but it’s concentration, not real diversification. With only a year of data, we can’t say how this home‑country‑shy approach behaves long term, but generally, tying most of your equity fate to one region is like only ever backing one team in a global league and hoping they never hit a bad decade.

Market capitalization Info

  • Mega-cap
    15%
  • Large-cap
    11%
  • Mid-cap
    6%
  • No data
    6%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market cap tilt screams “I trust the giants.” Mega‑caps (15%) and large‑caps (11%) dominate the equity slice, with mid‑caps at 6% and small‑caps basically on life support at 1%. That’s classic big‑index behavior: size equals safety-ish, or at least familiarity. The upside: you’re not relying on tiny speculative companies to bail you out. The downside: you’re heavily exposed to whatever mood swings the biggest names go through. With so much calm bond exposure around it, this mega‑cap bias just reinforces the pattern: when your risk does show up, it’s going to come from a few big things, not a broad crowd.

True holdings Info

  • NVIDIA Corporation
    2.26%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Apple Inc
    2.03%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Microsoft Corporation
    1.47%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Amazon.com Inc
    1.08%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Alphabet Inc Class A
    0.90%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Broadcom Inc
    0.79%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Alphabet Inc Class C
    0.72%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Meta Platforms Inc.
    0.65%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Tesla Inc
    0.57%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Berkshire Hathaway Inc
    0.43%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Top 10 total 10.90%

This breakdown covers the equity portion of your portfolio only.

The look‑through data is thin (only 11% coverage), but even from that tiny keyhole the usual mega‑cap suspects are crowding the room: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, etc. They’re all sneaking in via the S&P 500 and global ETF. So even with a “conservative” label and a bond anchor, the equity slice is still very much tied to the big US growth darlings. Overlap is probably higher than it looks because we only see ETF top‑10s. Translation: if big US tech catches a cold, your equity side gets the flu, no matter how polite the bond fund looks.

Risk contribution Info

  • Bitcoin
    Weight: 14.38%
    55.9%
  • iShares Core S&P 500 UCITS ETF USD (Acc)
    Weight: 27.45%
    33.8%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    Weight: 5.50%
    6.3%
  • Amundi Physical Gold ETC C EUR
    Weight: 5.76%
    4.1%
  • iShares € Floating Rate Bond ESG UCITS ETF EUR (Acc)
    Weight: 46.91%
    0.0%

The risk contribution chart is a full comedy sketch. Bitcoin is 14.38% of the weight but 55.90% of total risk. That’s almost four times its share — the drama queen of the portfolio. Meanwhile, the euro floating rate bond fund is nearly half the portfolio by weight and contributes basically 0% to risk. It’s the quiet roommate paying most of the rent. The top three positions drive about 96% of your total volatility, which means everything else is more decoration than driver. Big picture: if something blows up your year, odds are it’s Bitcoin or the S&P 500 slice, not the big bond cushion you keep staring at.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

The efficient frontier chart is basically shaming your current mix. At 9.22% risk, your expected return is 4.91% with a limp Sharpe ratio of 0.1, while the curve says you could get a much better deal with the same ingredients. You’re a full 11.86 percentage points below the frontier at this risk level — that’s not “suboptimal,” that’s “why are you like this?” The minimum variance portfolio, hilariously, has much lower risk (0.65%) and still posts a higher Sharpe. Translation: just by reweighting what you already own, without adding anything new, you could squeeze more return out of each unit of risk instead of dragging this inefficient anchor around.

Ongoing product costs Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.40%
  • iShares Core S&P 500 UCITS ETF USD (Acc) 0.12%
  • Weighted costs total (per year) 0.05%

Costs are the one area where this portfolio isn’t clowning around. A 0.05% total TER is impressively low — that’s “I actually read the factsheets” territory. Even the priciest holding shown at 0.40% isn’t outrageous given what it covers, and the core S&P ETF at 0.12% is textbook frugal. Fees are one of the few things you can control, and you’ve mostly nailed that part. Dry truth: saving 0.3–0.5% per year in costs doesn’t feel exciting now, but over 15+ years it’s the difference between “nice” and “actually noticeable.” You’ve avoided the classic trap of paying champagne prices for tap water.

What next?

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey