A gold-centric portfolio with global equity diversification and tech stock exposure

Report created on Jul 25, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards physical gold, comprising over 73% of the total allocation, which is unusual for a cautious investor profile. The remainder is diversified across a selection of global equity ETFs and a few large-cap tech stocks. This composition suggests a defensive stance against market volatility while attempting to capture growth through equities. However, the heavy gold allocation may limit overall portfolio growth potential, given gold's non-yielding nature and its performance being largely defensive rather than growth-oriented.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 16.24%, with a maximum drawdown of -13.92%. These figures indicate a strong past performance, especially considering the cautious risk profile. However, it's important to note that past performance is not indicative of future results. The significant days contributing to 90% of returns being limited to 40 suggests that the portfolio's performance might be highly dependent on specific, short-term market movements, which could introduce risk if those conditions do not repeat.

Projection Info

Monte Carlo simulations suggest a wide range of potential outcomes, with a median projected annualized return of 25.21%. While these projections offer optimism, it's crucial to approach them with caution. Monte Carlo analysis uses historical data to simulate future returns, but future market conditions can diverge significantly from past trends. Especially for a portfolio with such a heavy allocation to a single asset class, outcomes can be more unpredictable.

Asset classes Info

  • Other
    73%
  • Stocks
    27%

The portfolio's asset class distribution, with 73% in "Other" (primarily gold) and 27% in stocks, indicates a conservative approach, prioritizing capital preservation over growth. While gold can act as a hedge against inflation and market downturns, the low allocation to equities could limit the portfolio's long-term growth potential, especially considering the historical performance of the stock market as a driver of wealth accumulation.

Sectors Info

  • Consumer Discretionary
    5%
  • No data
    5%
  • Technology
    4%
  • Industrials
    3%
  • Financials
    3%
  • Telecommunications
    2%
  • Health Care
    1%
  • Consumer Staples
    1%
  • Basic Materials
    1%

Sector allocation shows a spread across technology, consumer cyclicals, industrials, and financial services, among others. This diversification within the equity portion is a positive aspect, reducing the risk of significant impact from downturns in any single sector. However, the technology and consumer cyclicals sectors can be volatile, which might not align perfectly with a cautious risk profile.

Regions Info

  • North America
    16%
  • Europe Developed
    5%
  • Japan
    5%

Geographically, the portfolio has exposure to North America, Europe, and Japan, but lacks representation in emerging markets and other developed regions. This geographic distribution provides some level of global diversification but misses out on the growth potential and diversification benefits that emerging markets and additional developed regions could offer.

Market capitalization Info

  • No data
    78%
  • Mega-cap
    12%
  • Large-cap
    6%
  • Mid-cap
    3%

The market capitalization breakdown reveals a focus on mega and large-cap companies, which is consistent with a cautious investment strategy aiming for stability. However, the inclusion of medium-cap exposure, albeit small, introduces growth potential. The heavy weighting towards "Unknown" due to the gold allocation obscures a clear view of the portfolio's market cap distribution, highlighting the dominance of this single asset class.

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.

Considering the Efficient Frontier, this portfolio might not be fully optimized for the best possible risk-return ratio due to its heavy gold allocation. While the current composition may offer a degree of protection against volatility, there could be room for improvement in balancing growth potential with risk. Adjusting the asset allocation to include a broader mix of equities, fixed income, and alternative investments could enhance the portfolio's efficiency.

Ongoing product costs Info

  • iShares Physical Gold ETC 0.25%
  • Vanguard FTSE Japan UCITS ETF USD Accumulation GBP 0.15%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Weighted costs total (per year) 0.20%

The portfolio's overall expense ratio of 0.20% is impressively low, which is favorable for long-term growth as lower costs directly translate to higher net returns. This efficiency in managing costs is a strong aspect of the portfolio, allowing more of the investment's returns to compound over time.

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