Roast mode 🔥

A classic case of "all my eggs in one basket" but with a fancy global ETF wrapper

Report created on Aug 2, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Diving into this portfolio is like walking into a party and realizing it's just the same group of friends you always hang out with, but everyone's wearing different hats. You've got a whopping 85% of your portfolio in Vanguard products, with a heavy lean on the S&P 500 and global stocks. It's like betting on the Avengers to save the world every time — solid choice, but where's the variety? The other 15% is a gentle nod to the rest of the world via iShares, but it's essentially more of the same. "Moderately diversified" is a bit of a stretch when your entire portfolio is playing in the same sandbox.

Growth Info

Historically, you're riding a 12.28% CAGR wave, which isn't too shabby. It's like consistently hitting green lights on your way home — satisfying but not exactly a miracle. However, that -33.88% max drawdown is a stark reminder that even superheroes get knocked down. Those 20 days that make up 90% of your returns? That's your portfolio's version of cramming for exams and banking on a few all-nighters to pass the course. It's risky, it's stressful, and it's not a strategy.

Projection Info

Monte Carlo simulations are like throwing darts blindfolded and trying to predict where they'll land. Your portfolio's future looks bright with a median 353.4% increase, but remember, simulations assume the market plays nice and history repeats itself. With a 5th percentile at a lukewarm 53.1% increase, it's clear there's a chance your portfolio could get stuck in the slow lane. Betting on a few high-flyers has its perks, but it's a bumpy ride.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of your portfolio riding the equity roller coaster, you're all in, aren't you? It's like showing up to a potluck with five types of bread. Yes, everyone loves carbs, but where's the beef? Or the veggies? Or literally anything else? A bit of bond action or some real assets might not be as sexy, but they could keep you from getting too queasy on the market's wilder days.

Sectors Info

  • Technology
    25%
  • Financials
    17%
  • Industrials
    11%
  • Health Care
    10%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Your sector spread is like a diet consisting mainly of fast food; it's enjoyable and it might work out for a while, but it's not balanced. Technology at a whopping 25%? You're riding the Silicon Valley hype train hard. Financials and industrials make up the next big chunks, which isn't a bad thing, but it's like betting on the same horse in every race. Diversification across sectors doesn't mean throwing everything into a few and calling it a day.

Regions Info

  • North America
    68%
  • Europe Developed
    26%
  • Japan
    2%
  • Asia Emerging
    1%
  • Asia Developed
    1%
  • Australasia
    1%

With 68% in North America and a heavy lean on developed Europe, your portfolio is like a tourist who only visits Starbucks in foreign countries. Sure, it's comforting and you know what you're getting, but aren't you missing out on the local cuisine? Emerging markets are barely a blip on your radar, and that's a missed opportunity for growth and truly global diversification. Expand your horizons; the world's bigger than the NASDAQ and the Euronext.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    35%
  • Mid-cap
    16%
  • Small-cap
    1%

Mega and big caps dominate your portfolio, making it clear you prefer the safety of the titans. It's like always choosing to fly first-class on the same two airlines because you know you'll get a nice blanket. Comforting, yes, but you might be missing out on some nimble, budget airlines that could get you there faster and cheaper. Small and micro caps are the spice of life — or at least the spice of a well-rounded portfolio.

Redundant positions Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Vanguard FTSE All-World UCITS ETF USD Accumulation
    Vanguard S&P 500 UCITS ETF EUR
    High correlation

Your portfolio's version of diversity is like having different brands of the same flavored soda; they might look different, but they taste pretty much the same. The high correlation among your major holdings means when one sneezes, the others catch a cold. It's like building a fortress with all the doors facing the same way. Sure, it looks strong, but what happens when the storm comes from the direction you didn't anticipate?

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.

Your portfolio's approach to risk vs. return is like trying to balance on a seesaw by yourself; it's doable, but wouldn't it be easier with a friend on the other end? The heavy tilt towards stocks, particularly in a few sectors and regions, screams high risk with hopes for high return. But remember, the Efficient Frontier isn't about living on the edge; it's about finding that sweet spot where you get the best return for the least risk. Maybe it's time to invite some bonds or alternative investments to the party.

Dividends Info

  • Vanguard S&P 500 UCITS ETF EUR 1.10%
  • Weighted yield (per year) 0.47%

Ah, dividends — the portfolio's attempt at a consolation prize. A 0.47% total yield is like finding loose change under the sofa cushions; it's a nice surprise, but you're not funding a vacation with it. In a stock-heavy portfolio, dividends can offer a steady income stream, but let's be real, this trickle isn't quenching anyone's thirst. Maybe it's time to look for some juicier yields or at least diversify your income sources.

Ongoing product costs Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • Vanguard FTSE Developed Europe UCITS 0.10%
  • Vanguard S&P 500 UCITS ETF EUR 0.07%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Weighted costs total (per year) 0.13%

The one area where you're not getting roasted is costs — a total TER of 0.13% is impressively low. It's like managing to find a luxury vacation at discount prices; well done on that front. Keeping costs down is crucial, especially when the market decides to take your portfolio on a roller coaster ride. It's the small victories, right?

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