Adventurous thematic equity mix with strong recent returns and notable sector and regional tilts

Report created on Apr 13, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is made up entirely of listed funds, with a clear tilt toward global equities and a handful of punchy thematic ETFs. Broad world and Europe funds take up a big chunk, while focused slices target emerging markets, banks, healthcare, energy, mining, gold, space, and artificial intelligence. This structure mixes “core” diversified holdings with “satellite” specialist bets. That setup matters because core positions usually anchor long-term performance, while satellites can add extra return or extra volatility. The overall mix looks adventurous for a “cautious” risk label, because several themes are aggressive. A practical takeaway is that this structure works best when the investor is comfortable seeing performance swing around as these concentrated themes move.

Growth Info

Over the period shown, €1,000 grew to about €2,049, implying a compound annual growth rate (CAGR) of 20.72%. CAGR is like average speed on a long road trip: it smooths out bumps to show the underlying pace. That pace is meaningfully ahead of both the US and global market benchmarks, which delivered mid‑teens CAGRs, so the portfolio has been rewarded for its risk so far. The maximum drawdown, a peak‑to‑trough fall, was relatively moderate at -17.37%, smaller than the benchmarks’ worst falls. Just 34 days created 90% of returns, underlining how a few strong days drive long‑term outcomes. Past performance is impressive here but cannot be relied on to continue in the same way.

Projection Info

The Monte Carlo projection uses historical return and volatility patterns to simulate 1,000 different 15‑year paths for a €1,000 investment. Think of it as running the same coin toss game many times and checking the range of possible outcomes. The median outcome of about €2,757 suggests an annualised return of around 8.05%, with three‑quarters of simulations ending above the starting value. At the optimistic end, some paths reach over €7,000, while the more pessimistic ones barely beat cash. This shows that even for a strong‑looking portfolio, future results could vary a lot. Simulations rely on the past, so they’re useful for framing expectations, not for predicting exact numbers.

Asset classes Info

  • Stocks
    87%
  • No data
    13%

Around 87% of the portfolio is in stocks, with the remainder showing as “no data,” which simply means the system can’t classify those positions reliably. A high equity share is normally associated with longer investment horizons and higher tolerance for ups and downs, because stocks can fluctuate heavily over shorter periods. This design leans clearly toward growth rather than capital preservation or income. Relative to a typical cautious allocation, this is equity‑heavy, which explains the strong historical returns but also leaves the portfolio more exposed if stock markets experience a prolonged downturn. Someone wanting smoother short‑term performance would usually dial down stock exposure rather than rely so heavily on it.

Sectors Info

  • Financials
    17%
  • Technology
    17%
  • Industrials
    12%
  • Health Care
    11%
  • Basic Materials
    9%
  • Energy
    7%
  • Telecommunications
    6%
  • Consumer Discretionary
    5%
  • Consumer Staples
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is fairly broad, with notable weights in financials and technology at 17% each, plus solid allocations to industrials, healthcare, basic materials, and energy. This looks more balanced than many tech‑dominated portfolios and aligns reasonably well with common global benchmarks, which is a positive sign for diversification. At the same time, dedicated banking, energy, mining, and AI funds create pockets of sector concentration that can swing with interest rates, commodity prices, and tech sentiment. For example, financials often react strongly to rate changes, while tech and AI can be sensitive to growth expectations. The practical takeaway is that economic cycles and policy shifts may have a visible impact on this portfolio’s short‑term moves.

Regions Info

  • Europe Developed
    42%
  • North America
    26%
  • Asia Developed
    7%
  • Asia Emerging
    6%
  • Japan
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    1%

Geographically, the portfolio has a clear home‑bias toward developed Europe at 42%, while North America sits at 26%, with the rest spread across Asia, Japan, Australasia, emerging Europe, Latin America, and Africa/Middle East. Global indices usually have North America as the largest slice, so this is a noticeable tilt toward the European region. That alignment with the client’s home area can feel more comfortable and reduces currency mismatch to some extent, which is a plus. The trade‑off is that returns become more dependent on the economic and political environment in Europe. For long‑term diversification, having material exposure outside the home region is helpful, and this portfolio does keep a reasonable, if smaller, global spread.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    27%
  • Mid-cap
    13%
  • Small-cap
    3%
  • Micro-cap
    1%

Market‑cap exposure leans heavily toward big, established companies: mega‑caps and large‑caps together make up about 70% of the equity slice. Mid‑caps add another 13%, while small and micro‑caps together are relatively modest. This is broadly in line with mainstream global benchmarks and is generally good for stability, because larger firms tend to be more diversified and less volatile than tiny ones. The presence of some small and micro‑cap exposure, especially via thematic funds, adds a bit of extra growth potential and risk at the edges. Overall, this size mix is sensible and supportive of broad diversification, with the main risk drivers coming more from themes and regions than from company size.

True holdings Info

  • ASML Holding N.V.
    0.67%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C EUR
  • BHP Group Ltd
    0.54%
    Part of fund(s):
    • VanEck Global Mining UCITS A
  • Samsung Electronics Co Ltd
    0.51%
    Part of fund(s):
    • Xtrackers Artificial Intelligence &Big Data UCITS ETF 1C EUR
  • Ast Spacemobile Inc
    0.48%
    Part of fund(s):
    • VanEck Space Innovators UCITS ETF
  • EchoStar Corporation
    0.46%
    Part of fund(s):
    • VanEck Space Innovators UCITS ETF
  • Planet Labs PBC
    0.45%
    Part of fund(s):
    • VanEck Space Innovators UCITS ETF
  • Rocket Lab USA Inc.
    0.45%
    Part of fund(s):
    • VanEck Space Innovators UCITS ETF
  • AstraZeneca PLC
    0.40%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C EUR
  • Novartis AG
    0.38%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C EUR
  • ViaSat Inc
    0.38%
    Part of fund(s):
    • VanEck Space Innovators UCITS ETF
  • Top 10 total 4.73%

The look‑through shows a mix of large, established companies and very niche names like space and satellite businesses. A few holdings such as ASML, AstraZeneca, and Novartis appear via multiple ETFs, but overlap is limited in the visible data and overall exposure per name is currently well under 1%. That’s good news for single‑stock risk, though the picture is incomplete because only ETF top‑10 positions are captured, so real overlap is higher. The key lesson is that concentration risk is more about themes than individual companies here. When several funds target similar ideas, they can all move together even if the underlying ticker symbols are different.

Risk contribution Info

  • Amundi Index Solutions - Amundi MSCI World UCITS ETF C EUR
    Weight: 18.75%
    17.8%
  • Amundi Stoxx Europe 600 UCITS ETF C EUR
    Weight: 18.75%
    17.7%
  • Amundi MSCI Emerging Markets UCITS
    Weight: 12.50%
    12.5%
  • VanEck Space Innovators UCITS ETF
    Weight: 6.25%
    10.5%
  • VanEck Global Mining UCITS A
    Weight: 6.25%
    9.7%
  • Top 5 risk contribution 68.2%

Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ a lot from simple weights. Here, the three largest broad equity funds collectively contribute about 48% of total risk, roughly in line with their combined weight, which is healthy. However, the space innovators and global mining ETFs punch above their size: each is around 6.25% by weight but contributes 9–10% of risk, with risk/weight ratios well above 1. That means these small slices have an outsized impact on volatility. If the goal is to keep a cautious risk profile, adjusting the size of such high‑octane positions is one of the most effective levers.

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 shows how the same ingredients could be mixed to get different balances of risk and return. The current portfolio has a Sharpe ratio of 1.21, which measures return per unit of risk above cash. The optimal mix of these existing holdings reaches a Sharpe of 2.18 with only slightly higher risk, while the minimum‑variance version offers lower risk with a better Sharpe than the current setup. Being 8.73 percentage points below the frontier at the current risk level suggests the mix isn’t making the most of what’s already in the portfolio. Reweighting, rather than adding new funds, could improve risk‑adjusted returns while keeping the same building blocks.

Ongoing product costs Info

  • Amundi MSCI Emerging Markets UCITS 0.20%
  • Amundi Index Solutions - Amundi MSCI World UCITS ETF C EUR 0.38%
  • Multi Units Luxembourg - Amundi STOXX Europe 600 Banks UCITS ETF Acc 0.30%
  • Multi Units Luxembourg - Amundi STOXX Europe 600 Healthcare UCITS ETF Acc 0.30%
  • Multi Units Luxembourg - Amundi STOXX Europe 600 Energy ESG Screened UCITS ETF Acc 0.30%
  • Amundi Stoxx Europe 600 UCITS ETF C EUR 0.07%
  • VanEck Global Mining UCITS A 0.50%
  • Xtrackers Artificial Intelligence &Big Data UCITS ETF 1C EUR 0.35%
  • Weighted costs total (per year) 0.22%

The portfolio’s total ongoing cost, at a TER (Total Expense Ratio) of roughly 0.22%, is impressively low for such a diversified mix. TER is the annual fee charged by funds, taken out of performance behind the scenes. Keeping costs down is one of the few things within an investor’s direct control and has a big impact over decades, because every 0.1% saved compounds. The core index funds are especially cheap, and even the more specialised ETFs are priced reasonably for their niche exposure. This cost profile is a real strength and supports better long‑term outcomes without needing to chase higher risk or complexity.

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