Roast mode 🔥

Value tourist with a secret tech crush hiding inside a nearly sensible global wrapper

Report created on May 1, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is the investing equivalent of ordering “just water” and then drinking half the cocktail too. On paper it’s 45% global value factor, 10% EM value, and then 45% “own everything” through a broad world fund. So half the money is making a big value statement, and the other half immediately dilutes it back toward the market. It looks like someone tried to be clever with factors, then got nervous and slapped a giant catch‑all ETF on top. The result isn’t disastrous, just muddled: not quite factor‑driven, not quite plain vanilla, and definitely not as focused as the allocations pretend to be.

Growth Info

Historically this thing has done the classic “good but annoyingly not as good as the obvious alternatives” act. Turning €1,000 into €2,401 since late 2018 is solid, but the US market did meaningfully better and even the global market edged ahead. CAGR — the averaged annual growth rate, like your speed over a whole road trip — lands at 12.56%, trailing the US by almost 3 percentage points a year. You took essentially the same gut‑punch drawdown in 2020 as the benchmarks but didn’t get paid extra for it. Same roller coaster, slightly worse souvenir photo.

Projection Info

The Monte Carlo projection — thousands of “what if” futures based on past volatility and returns — pegs this portfolio at a median €2,779 after 15 years from €1,000. That’s nice, but hardly fireworks. The range is wide: outcomes from “meh” (€1,793) to “okay that worked” (€4,280), with a non‑trivial chance of basically going sideways after inflation. As with all such simulations, it’s yesterday’s weather dressed up as tomorrow’s forecast, and assumes markets behave politely. This portfolio doesn’t look doomed, just destined for a future of “fine, I guess” if the past is any guide.

Asset classes Info

  • Stocks
    100%

Asset allocation is unbelievably simple: 100% equities, zero bonds, zero anything else. So for a “balanced” risk label, this is more “balanced the way a unicycle is balanced.” No shock absorbers, no diversifiers, just full exposure to stock market mood swings. Equities are great for long‑term growth, but they also throw tantrums, and here there’s nothing to smooth those out. The portfolio is effectively saying, “Volatility? Never heard of her.” That’s fine as long as no one pretends this is some carefully layered, multi‑asset masterpiece. It’s just all‑in on stocks, end of story.

Sectors Info

  • Technology
    31%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure quietly betrays the “value” branding. Tech is 31% of the portfolio, which is less “cigar‑butt value” and more “I keep doomscrolling chip stocks.” Financials and industrials show up meaningfully, but this is still very much a growth‑leaning sector mix by global standards. Calling this “value” while leaning hard into tech is like buying diet soda with a double burger and fries. The label says one thing, the ingredients say another. If sector cycles flip and tech cools off, the portfolio isn’t hiding in dusty bargain‑bin sectors — it’s front row with the usual high‑beta suspects.

Regions Info

  • North America
    51%
  • Europe Developed
    20%
  • Japan
    11%
  • Asia Developed
    8%
  • Asia Emerging
    5%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, this is a pretty textbook “world, but still very into North America” portfolio: 51% there, then a decent slice of Europe and Japan, with the rest of the planet getting crumbs. To be fair, this roughly mirrors global equity market weights, so it’s not some bizarre home‑country obsession. But it does mean performance is heavily chained to one dominant economic and market bloc. When that region sneezes, this portfolio catches the flu. The good news: at least it’s not pretending to be global while hiding 80–90% in one country. The bias is big, but not ridiculous.

Market capitalization Info

  • Large-cap
    46%
  • Mega-cap
    37%
  • Mid-cap
    16%

Market cap exposure is heavily tilted to the giants: 37% mega‑cap, 46% large‑cap, and mid‑caps as a polite afterthought. This is basically a VIP lounge for the world’s biggest companies, with smaller names barely getting past the door. That’s standard for cap‑weighted funds, but for a portfolio waving a “value” banner, it’s pretty establishment. If markets ever reward smaller or more nimble companies, this setup isn’t exactly positioned to enjoy it. It’s more like a “blue‑chip comfort blanket” with a minor side dish of mid‑caps to make the diversification chart look busy.

True holdings Info

  • Micron Technology Inc
    2.45%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • NVIDIA Corporation
    2.12%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    1.87%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.71%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Cisco Systems Inc
    1.58%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Microsoft Corporation
    1.30%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Intel Corporation
    1.25%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Verizon Communications Inc
    1.07%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Amazon.com Inc
    0.99%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • AT&T Inc
    0.88%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Top 10 total 15.23%

The look‑through holdings show a familiar cast: Micron, NVIDIA, Apple, TSMC, Cisco, Microsoft, Intel, Amazon, Verizon, AT&T. So underneath the value lipstick and global wrapper, this is still largely a who’s‑who of mega‑cap tech and telecom. Overlap is almost certainly higher than reported because only ETF top‑10 holdings are captured, so the real concentration in certain names is probably more pronounced. In other words, the portfolio talks a big game about factors and diversification but still ends up worshipping at the altar of the same handful of global giants everyone else owns by default.

Risk contribution Info

  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 45.00%
    46.0%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 45.00%
    44.3%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.7%

Risk contribution is almost boringly proportional: each of the three funds contributes risk roughly in line with its weight. No sneaky 10% position shaking the whole structure like a caffeine‑addled meme stock. That sounds good, but it also means there’s no deliberate “low‑risk anchor” here either — just three equity engines pulling in the same general direction. Risk contribution, by the way, is about who’s actually causing the portfolio’s ups and downs, not who looks big on paper. In this case, everybody’s doing their fair share of drama with no clear stabilizer in sight.

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.

On the efficient frontier chart, this portfolio actually behaves itself. It sits right on or very near the frontier, meaning for this particular basket of funds, the risk/return trade‑off is pretty well dialed. Sharpe ratio — return per unit of risk, like grading how much pain you take for each bit of gain — is 0.58 versus about 0.8 for mathematically tweaked versions using the same ingredients. So, yes, the quant nerd could squeeze a bit more efficiency, but there’s no glaring self‑sabotage. For once, the roasting target is the asset mix itself, not the implementation.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.38%

Costs sit at a blended 0.38% TER, which is the financial equivalent of paying full price at a decent mid‑range restaurant. Not a rip‑off, but definitely not bargain‑basement for plain equity beta and a bit of factor spice. Given that cheaper broad market options exist, the fee only really earns its keep if the value tilts and EM exposure pull their weight — and so far, performance versus simple benchmarks isn’t exactly screaming “genius surcharge justified.” On the plus side, it’s not ruinous; just a mild, persistent headwind quietly shaving a slice off every year.

What next?

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey