A high-tech rollercoaster with a blindfold on global diversity
Report created on May 5, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
IU iShares MSCI ACWI UCITS ETF
IUSQ - IE00B6R52259 50.00% -
SX iShares NASDAQ 100 UCITS ETF USD (Acc)
SXRV - IE00B53SZB19 50.00%
At first glance, your portfolio screams "I love tech and I cannot lie," but then it whispers, "I'm also scared of anything that's not a giant US company." Splitting your bets 50/50 between a global fund and a NASDAQ tech powerhouse is like ordering a salad with your deep-fried Mars bar—it's an attempt at balance but misses the point. You've got the global market in one hand and Silicon Valley in the other, making your portfolio look like it's trying to moonwalk; one step forward, one step back.
Growth
With a historical CAGR of 13.49%, your portfolio has been riding the tech wave like a pro surfer. However, that -30.45% max drawdown is the financial equivalent of wiping out on a giant wave. It's great when the sun's shining, but when the storm hits, it's every investor for themselves. Remember, relying heavily on days that make up 90% of your returns is like betting your entire retirement on a few lucky poker hands.
Projection
Monte Carlo simulations suggest you might be on to something, with a 50th percentile projection of 441.4% growth. But let's not get too carried away; simulations are like weather forecasts—they're educated guesses, not crystal balls. The range from a 5th percentile at 69.6% to a 67th at 636.8% showcases potential volatility. It's like saying there's a chance you'll enjoy a sunny beach day or find yourself in the middle of a hurricane.
Asset classes
- Stocks 100%
You've gone all-in on stocks, which is bold, to say the least. A 100% allocation to equities is like driving with the gas pedal to the floor; exhilarating, yes, but you won't have much control when you hit a sharp turn. Diversification across asset classes isn't just a suggestion; it's like wearing a seatbelt—it's there to help keep you safe.
Sectors
- Technology 38%
- Telecommunications 12%
- Consumer Discretionary 12%
- Financials 9%
- Health Care 8%
- Industrials 7%
- Consumer Staples 6%
- Basic Materials 2%
- Energy 2%
- Utilities 2%
- Real Estate 1%
Your sector allocation is tech-heavy, which isn't surprising given the NASDAQ's influence. However, putting 38% in technology is like only working out your biceps; you might look strong, but you're actually unbalanced. The lack of significant investments in other sectors could leave you vulnerable to tech industry downturns. It's time to consider a more holistic workout routine for your portfolio.
Regions
- North America 82%
- Europe Developed 8%
- Asia Emerging 3%
- Japan 2%
- Asia Developed 2%
- Latin America 1%
- Australasia 1%
- Africa/Middle East 1%
With 82% in North America, your portfolio is like a tourist who only visits Times Square and thinks they've seen all of America. There's a whole world out there, with emerging markets and developed economies offering growth opportunities and diversification benefits. Expanding your geographical horizons could reduce risk and potentially improve returns.
Market capitalization
- Mega-cap 51%
- Large-cap 35%
- Mid-cap 14%
Your mega and big cap fixation (86% combined) suggests you prefer the safety of well-established companies. While there's comfort in size, neglecting medium and small caps entirely is like never leaving your hometown; you miss out on the growth and excitement found elsewhere. Sprinkling in some smaller companies could add spice to your investment journey.
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.
When it comes to risk vs. return, your portfolio is like a car with a powerful engine but no brakes. Sure, you might get to your destination quickly, but the risk of a crash is high. The Efficient Frontier is about finding the sweet spot between risk and return, and right now, you're doing donuts in the parking lot. It's time to consider how you can achieve your goals without risking a total wipeout.
Ongoing product costs
- iShares MSCI ACWI UCITS ETF 0.20%
- iShares NASDAQ 100 UCITS ETF USD (Acc) 0.36%
- Weighted costs total (per year) 0.28%
At an average total expense ratio (TER) of 0.28%, you're not bleeding money on fees, which is commendable. In a world where every penny counts, you've managed to keep your costs lower than a thrift shop spree. It's a rare piece of good news in a portfolio that otherwise feels like a gamble.
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