This portfolio has only about 1.5 years 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.
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Balanced portfolio with strong equity focus and moderate global diversification

Report created on May 15, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

The portfolio is heavily weighted towards equities, comprising 95% of its allocation, with a modest 5% dedicated to bonds. This composition underscores a growth-oriented strategy, albeit with minimal cushion against market volatility provided by the bond allocation. The equity portion spans a broad mix of geographic areas and sectors, though it leans significantly towards developed markets. The bond component, while small, offers a slight diversification benefit and income through the iShares Core Global Aggregate Bond UCITS ETF.

Growth Info

Historically, this portfolio has demonstrated robust performance, with a Compound Annual Growth Rate (CAGR) of 18.81%. The maximum drawdown was -19.43%, indicating a relatively high resilience during market downturns. However, it's important to note that past performance is not indicative of future results. The days contributing to 90% of returns highlight the portfolio's susceptibility to significant market movements, emphasizing the importance of understanding volatility and risk.

Projection Info

Utilizing Monte Carlo simulations, which project future outcomes based on historical data, the portfolio shows a wide range of potential future values. These projections suggest a median annualized return of 19.41%, with all simulations yielding positive returns. While encouraging, it's crucial to remember that these simulations are based on past data and cannot account for unforeseen market changes or black swan events.

Asset classes Info

  • Stocks
    95%
  • Bonds
    5%

The heavy tilt towards stocks in this portfolio suggests a preference for growth over stability, which aligns with the balanced risk profile. However, the minimal bond allocation might not provide sufficient protection against equity market volatility. Diversification across asset classes can further mitigate risk and smooth out returns over time, suggesting a potential area for adjustment depending on risk tolerance.

Sectors Info

  • Technology
    21%
  • Financials
    16%
  • Industrials
    11%
  • Health Care
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    7%
  • Consumer Staples
    7%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector allocation shows a strong emphasis on technology and financial services, which could lead to higher volatility given these sectors' sensitivity to economic cycles and interest rate changes. While the portfolio benefits from diversification across ten sectors, the heavy concentration in a few could amplify risks associated with sector-specific downturns.

Regions Info

  • North America
    54%
  • Europe Developed
    36%
  • Japan
    2%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Australasia
    1%

Geographic allocation is predominantly focused on North America and developed European markets, which may limit exposure to the growth potential in emerging markets and diversification benefits they can offer. While this concentration aligns with the portfolio's balanced risk profile, incorporating a broader geographic spread could enhance returns and reduce risk over the long term.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    33%
  • Mid-cap
    15%

The focus on mega and big-cap stocks suggests a preference for stability and liquidity, which is suitable for a balanced risk profile. However, the underrepresentation of medium and small-cap stocks could mean missing out on higher growth opportunities these segments may present, albeit with increased volatility.

Redundant positions Info

  • iShares Core MSCI Europe UCITS ETF EUR (Acc)
    Amundi Stoxx Europe 600 UCITS ETF C EUR
    High correlation
  • SPDR® MSCI World UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    Xtrackers NASDAQ 100 UCITS ETF 1C
    iShares MSCI ACWI UCITS ETF
    High correlation

The portfolio contains highly correlated asset groups, particularly within the equity allocations. This redundancy limits the diversification benefits, as these assets tend to move in tandem during market fluctuations. Reducing overlap by reallocating or diversifying into less correlated assets could enhance the portfolio's risk-adjusted 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.

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The portfolio could benefit from optimization by addressing the high correlation among certain assets, which diminishes diversification benefits. Focusing on removing or reducing exposure to overlapping ETFs could improve the portfolio's efficiency, potentially enhancing risk-adjusted returns without significantly altering the risk profile.

Ongoing product costs Info

  • iShares Core Global Aggregate Bond UCITS ETF 0.10%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
  • iShares MSCI ACWI UCITS ETF 0.20%
  • Amundi Stoxx Europe 600 UCITS ETF C EUR 0.07%
  • SPDR® MSCI World UCITS ETF 0.12%
  • Xtrackers NASDAQ 100 UCITS ETF 1C 0.20%
  • Weighted costs total (per year) 0.12%

With an average Total Expense Ratio (TER) of 0.12%, the portfolio is efficiently managed cost-wise. Keeping costs low is crucial for enhancing long-term returns, as even small differences in fees can compound significantly over time. The portfolio's cost structure is commendably lean, supporting better performance retention.

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