Roast mode 🔥

Cautious label wild heart this portfolio quietly cosplays as a closet thrill seeker

Report created on Jun 1, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio looks like it was built by committee: three near-identical euro gov bond ETFs sliced by maturity, a sprinkle of factor equity funds, two cryptos, a gold bar, a Slovenian side quest, and a random micro-cap science experiment. On paper it screams “careful and diversified”; in reality it’s a patchwork quilt of half-finished ideas. The structure is messy rather than thoughtful, with tiny positions that won’t move the needle and chunky ones that absolutely will. A portfolio can be diversified or just busy; this leans hard into busy. The cautious risk label feels like marketing spin slapped onto something that clearly enjoys a bit of drama.

Growth Info

Historically, the portfolio did fine but not amazing: turning €1,000 into €1,440 with a 17.66% CAGR is perfectly respectable… until it’s parked next to the US and global markets doing ~22% over the same period. That’s like jogging a personal best while your neighbors casually run a marathon faster. Max drawdown of -13% is mild compared with the benchmarks, so the tradeoff is clear: some return left on the table in exchange for a softer ride. Just remember past performance is yesterday’s weather report — useful context, zero promise it won’t rain sideways tomorrow.

Projection Info

The Monte Carlo projection basically asks, “What if history rolled weird dice a thousand times?” and simulates where €1,000 might land over 15 years. Median outcome of €2,393 with a 6.33% annualized return is decent but hardly fireworks, and the spread from about €1,200 to nearly €4,800 shows how wide the “who knows” range really is. There’s a 73.9% chance of being ahead, which sounds comforting until remembering simulations are just math fed with past data and assumptions. They’re a vibe check, not a prophecy, and this vibe says “moderate growth with a non-trivial chance of disappointment.”

Asset classes Info

  • Stocks
    50%
  • Bonds
    25%
  • No data
    14%
  • Other
    6%
  • Crypto
    6%

On the asset-class level this thing is having a small identity crisis. Roughly half in stocks, a quarter in bonds, 6% in crypto, 6% in “other,” and a chunky 14% in “no data” mystery meat. For a “cautious” label, a 6% deliberate allocation to extremely volatile crypto is an odd flex. Bonds try to play the adult in the room, but their share is more “responsible chaperone” than true anchor. When a visible slice of the pie is literally “we don’t know,” the diversification story starts sounding more like, “trust us, it’s fine.” Spoiler: opacity isn’t the same as safety.

Sectors Info

  • Technology
    16%
  • Industrials
    7%
  • Financials
    6%
  • Crypto
    6%
  • No data
    6%
  • Health Care
    3%
  • Consumer Discretionary
    3%
  • Telecommunications
    3%
  • Consumer Staples
    2%
  • Basic Materials
    1%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, the portfolio is quietly tech-flavored: 16% in technology plus another 6% straight into crypto and then smaller doses of everything else. It’s like a “balanced” meal where the plate is mostly carbs with decorative vegetables. For something aiming to look broad, the tilt toward growthy, future-story sectors stands out. The rest of the sectors are scattered in low single digits, which is diversification more by accident than conviction. Sector diversification matters because when one theme blows up, you want others doing something other than also catching fire. Here, the backbone is very much “shiny tech plus digital casino chips.”

Regions Info

  • North America
    26%
  • Europe Developed
    15%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    2%

This breakdown covers the equity portion of your portfolio only.

Geographically this is a US-and-Europe duet with a couple of polite cameos. About 26% in North America and 15% in developed Europe dominate, with Japan and broader Asia barely getting a word in. Emerging markets squeak in at 2%, which is less “meaningful allocation” and more “we heard they exist.” For a European client, the home continent has a respectable slice, but the portfolio still leans heavily on one big foreign market to do the heavy lifting. Global investing is like a world tour; this portfolio bought tickets for two major cities and waved at the rest from the plane.

Market capitalization Info

  • Large-cap
    22%
  • Mega-cap
    19%
  • Mid-cap
    6%
  • Micro-cap
    1%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

The market-cap mix is mostly grown-ups with a couple of toddlers running around with scissors. Mega-cap and large-cap together sit at 41%, so the backbone is big, established names. Then there’s that 1% in micro-caps and 1% in small-caps, which in risk terms can behave like rockets or falling pianos. The micro-cap position especially (hello, Invinity) turns the portfolio into a cautious car with a nitrous button. Size diversification can be useful, but when tiny slices are wildly volatile, they’re more about drama than impact — emotionally loud, mathematically small, and occasionally very good at wrecking calm.

True holdings Info

  • Novo Nordisk A/S Class B
    5.55%
  • NVIDIA Corporation
    2.01%
    Part of fund(s):
    • iShares Edge MSCI USA Momentum Factor UCITS ETF USD (Acc)
    • iShares Edge MSCI USA Quality Factor UCITS ETF USD (Acc)
    • iShares S&P 500 USD Information Technology Sector UCITS
  • Invinity Energy Systems PLC
    1.39%
  • Apple Inc
    1.37%
    Part of fund(s):
    • iShares Edge MSCI USA Quality Factor UCITS ETF USD (Acc)
    • iShares S&P 500 USD Information Technology Sector UCITS
  • Microsoft Corporation
    1.15%
    Part of fund(s):
    • iShares Edge MSCI USA Quality Factor UCITS ETF USD (Acc)
    • iShares S&P 500 USD Information Technology Sector UCITS
  • Micron Technology Inc
    0.96%
    Part of fund(s):
    • iShares Edge MSCI USA Momentum Factor UCITS ETF USD (Acc)
    • iShares Russell 1000 Value UCITS ETF USD Acc USD
    • iShares S&P 500 USD Information Technology Sector UCITS
  • Broadcom Inc
    0.87%
    Part of fund(s):
    • iShares Edge MSCI USA Momentum Factor UCITS ETF USD (Acc)
    • iShares S&P 500 USD Information Technology Sector UCITS
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.78%
    Part of fund(s):
    • Xtrackers MSCI Emerging Markets UCITS ETF 1C
  • Lam Research Corp
    0.54%
    Part of fund(s):
    • iShares Edge MSCI USA Momentum Factor UCITS ETF USD (Acc)
    • iShares Edge MSCI USA Quality Factor UCITS ETF USD (Acc)
    • iShares S&P 500 USD Information Technology Sector UCITS
  • Alphabet Inc Class A
    0.53%
    Part of fund(s):
    • iShares Edge MSCI USA Momentum Factor UCITS ETF USD (Acc)
    • iShares Edge MSCI USA Quality Factor UCITS ETF USD (Acc)
    • iShares Russell 1000 Value UCITS ETF USD Acc USD
  • Top 10 total 15.15%

This breakdown covers the equity portion of your portfolio only.

The look-through data is thin — only about a quarter of the portfolio is visible via ETF top-10 holdings — but it still tells a story. Novo Nordisk stands alone as a direct 5.55% bet, not quietly doubled inside funds, so at least that obsession is honest. The overlaps in big US tech names (NVIDIA, Apple, Microsoft, Broadcom, Alphabet) show that underneath the factor and tech ETFs, there’s a standard “usual suspects” growth core. Hidden concentration is probably higher than reported since we only see ETF top-10 positions. It’s diversification cosplay: many tickers, but a lot of the same celebrities backstage.

Risk contribution Info

  • Novo Nordisk A/S Class B
    Weight: 5.55%
    14.3%
  • iShares Edge MSCI USA Momentum Factor UCITS ETF USD (Acc)
    Weight: 6.94%
    12.0%
  • Ethereum
    Weight: 2.78%
    10.7%
  • iShares S&P 500 USD Information Technology Sector UCITS
    Weight: 5.56%
    9.9%
  • iShares Edge MSCI USA Quality Factor UCITS ETF USD (Acc)
    Weight: 6.94%
    8.0%
  • Top 5 risk contribution 54.9%

Risk contribution is where the mask really slips. Novo Nordisk at 5.55% weight throws off a massive 14.28% of total risk — that one stock is doing way more drama than its size suggests. Ethereum at 2.78% generating 10.71% of portfolio risk is even spicier; that’s a tiny slice with a megaphone. Add the US momentum ETF and tech sector ETF, and the top three positions alone generate 37% of risk. So while the bond stack tries to look responsible, the actual volatility party is hosted by a single pharma name, a crypto token, and a momentum-heavy ETF squad.

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 efficient frontier chart is brutal. At 9.74% risk, the current portfolio sits a hefty 12.47 percentage points below where it could be with the exact same ingredients rearranged. Sharpe ratio of 1.27 versus a potential 2.84 is basically the chart saying, “You’re working hard, not smart.” The optimal version takes a bit more risk (11.58%) but almost doubles the return to 33.92%, which is a savage indictment of the current mix. This isn’t about new products — just better weighting. Right now the portfolio is like driving a performance car in first gear: noisy, inefficient, and slightly tragic.

Ongoing product costs Info

  • iShares Edge MSCIope Quality Factor UCITS 0.25%
  • iShares Physical Gold ETC EUR 0.12%
  • iShares Edge MSCI USA Quality Factor UCITS ETF USD (Acc) 0.20%
  • iShares S&P 500 USD Information Technology Sector UCITS 0.15%
  • Expat Slovenia SBI Top UCITS ETF 1.00%
  • Vanguard FTSE Japan UCITS ETF USD Accumulation 0.10%
  • Xtrackers MSCI Emerging Markets UCITS ETF 1C 0.18%
  • iShares Edge MSCI USA Momentum Factor UCITS ETF USD (Acc) 0.20%
  • Amundi Index Solutions - Amundi MSCI Europe Momentum Factor UCITS ETF-C 0.23%
  • Amundi Euro Government Bond 1-3Y UCITS ETF Acc EUR 0.16%
  • Amundi Euro Government Bond 3-5Y UCITS ETF Acc EUR 0.16%
  • Xtrackers - MSCI Europe Value UCITS ETF 0.15%
  • iShares Public Limited Company - iShares Euro Inflation Linked Govt Bond UCITS ETF 0.09%
  • Weighted costs total (per year) 0.16%

Costs are the one area where this portfolio mostly behaves like an adult. A blended TER around 0.16% is very reasonable, and most ETFs sit comfortably in low-fee territory. Then there’s the Expat Slovenia fund charging 1.00% like it’s offering VIP bottle service in Ljubljana. One expensive regional side bet doesn’t kill the overall cost picture, but it does look out of place next to the otherwise sensible ETF lineup. Fees are like slow leaks in a tire: small individually, nasty over decades. Here the leaks are patched well, with one proudly hissing out of the Slovenian corner.

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