This portfolio has only about 10 months 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 diversified portfolio with a strategic focus on global equities and bonds

Report created on Aug 20, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is structured with a significant emphasis on equities, comprising 80% of the total allocation, split across various geographic regions and sectors. The remaining 20% is divided between long-term U.S. Treasury bonds and physical gold, providing a hedge against market volatility and inflation. This composition reflects a balanced approach, aiming to capture growth through equities while mitigating risk with bonds and gold.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 13.65%, with a maximum drawdown of -13.53%. This performance indicates a strong recovery capability from downturns, attributed to its diversified nature. The days contributing to 90% of returns highlight the portfolio's sensitivity to specific market movements, suggesting a need for periodic review to capture such opportunities.

Projection Info

Utilizing Monte Carlo simulations, which project future outcomes based on historical data, the portfolio shows potential for substantial growth. However, it's crucial to note that these projections, while useful for planning, are not guarantees of future performance. The simulations suggest a wide range of outcomes, emphasizing the importance of maintaining a diversified portfolio to manage risk effectively.

Asset classes Info

  • Stocks
    80%
  • Other
    10%
  • Bonds
    10%

The allocation across asset classes is well-balanced, with a heavy tilt towards stocks, which is typical for a portfolio seeking growth with moderate risk. The inclusion of bonds and gold serves to provide stability during market fluctuations. This mix aligns with the portfolio's balanced risk profile, though it may warrant adjustments based on changing market conditions or personal risk tolerance.

Sectors Info

  • Financials
    17%
  • Technology
    13%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Energy
    6%
  • Basic Materials
    5%
  • Health Care
    4%
  • Telecommunications
    4%
  • Consumer Staples
    4%
  • Utilities
    1%
  • Real Estate
    1%

Sectoral distribution shows a healthy spread across financial services, technology, industrials, and consumer cyclicals, among others. This diversification helps in reducing sector-specific risks and capturing growth across different market cycles. However, the concentration in technology and financial services could expose the portfolio to sector-specific volatilities, suggesting a potential area for rebalancing.

Regions Info

  • North America
    51%
  • Europe Developed
    10%
  • Japan
    6%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographic allocation emphasizes North America, with significant positions in developed Europe and emerging markets. This global exposure enhances diversification, reducing the impact of regional downturns on the overall portfolio. However, the underrepresentation of certain emerging markets and developed regions might limit exposure to global growth opportunities, indicating room for geographic rebalancing.

Market capitalization Info

  • Mega-cap
    20%
  • Small-cap
    18%
  • Micro-cap
    15%
  • Large-cap
    14%
  • Mid-cap
    13%
  • No data
    10%

The portfolio's exposure across different market capitalizations—mega, small, micro, big, and medium—further diversifies risk and potential returns. The mix allows for capturing growth in smaller companies while relying on the stability of larger firms. The presence of 'unknown' capitalization suggests a need for clarity in certain holdings, potentially refining risk assessment.

Redundant positions Info

  • iShares Core MSCI Emerging Markets IMI UCITS
    iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc)
    High correlation

High correlation between certain emerging market ETFs indicates overlapping exposures, which may not contribute to diversification benefits as intended. Reducing such overlaps could enhance the portfolio's efficiency by better spreading risk without sacrificing potential returns.

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 portfolio's current structure suggests an opportunity for optimization by reducing overlap in highly correlated assets. Achieving a more efficient risk-return profile could potentially elevate expected returns to 21.15% without proportionately increasing risk. This optimization underscores the importance of regular portfolio reviews to adjust allocations in line with evolving market conditions and investment objectives.

Dividends Info

  • iShares $ Treasury Bond 20+yr UCITS ETF USD (Dist) 4.40%
  • Weighted yield (per year) 0.44%

The dividend yield from the long-term U.S. Treasury bonds contributes to the portfolio's income, complementing growth from equity positions. While the overall yield is modest, it adds a steady income stream, which is particularly valuable during market downturns or for investors seeking periodic income.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) 0.40%
  • iShares $ Treasury Bond 20+yr UCITS ETF USD (Dist) 0.10%
  • iShares Core MSCI World UCITS ETF USD (Acc) 0.20%
  • iShares Physical Gold ETC 0.25%
  • Weighted costs total (per year) 0.12%

The portfolio's total expense ratio (TER) is impressively low, enhancing net returns over the long term. Lower costs are crucial for long-term investment success, as they compound positively by reducing the drag on performance. This aspect of the portfolio is well-optimized, reflecting efficient fund selection.

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