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A masterclass in redundancy: Overlapping ETFs with a side of geographical myopia

Report created on Oct 12, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, your portfolio screams "diversification for the sake of it" with a heavy lean on ETFs that are so similar, they might as well be triplets separated at birth. With over 66% in Xtrackers MSCI World Quality UCITS ETF and the rest split between Vanguard FTSE All-World and iShares Core S&P 500, you've essentially bought the same thing thrice. It's like ordering three different types of vanilla ice cream and expecting a flavor explosion.

Growth Info

With a CAGR of 12.90%, it seems like your portfolio has been riding the stock market's coattails without much effort. However, that -32.64% max drawdown is a stark reminder that what goes up can come crashing down, especially when all your eggs are in similar baskets. It's akin to enjoying a rollercoaster ride blindfolded — thrilling until you realize you're heading for a loop.

Projection Info

Monte Carlo simulations may sound fancy, but they're essentially sophisticated guesses. While a 14.26% annualized return sounds promising, remember, this is the financial equivalent of forecasting the weather. Sure, you might get a sunny forecast, but don't forget your umbrella — reality can be quite different, especially with a portfolio this narrowly focused.

Asset classes Info

  • Stocks
    100%

Sticking solely to stocks with zero allocation to bonds, cash, or "other" screams of a high-risk, high-reward strategy, but without the reward part nailed down. It's like playing a video game on hard mode without knowing the controls — unnecessarily risky with probable frustration.

Sectors Info

  • Technology
    30%
  • Financials
    16%
  • Consumer Discretionary
    10%
  • Industrials
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

With a 30% tilt towards technology, it's clear where your heart lies. While tech can offer stellar returns, it also comes with volatility that can make your portfolio's performance resemble a heart rate monitor during a panic attack. Branching out might not be as flashy, but it could save you some antacids.

Regions Info

  • North America
    78%
  • Europe Developed
    14%
  • Japan
    3%
  • Australasia
    2%
  • Asia Developed
    1%
  • Asia Emerging
    1%

The geographical allocation is like saying, "I love traveling" but only ever visiting the United States. With 78% in North America, your portfolio is missing out on the global party. Emerging markets and other developed countries can add spice and resilience to your investment feast.

Market capitalization Info

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

Your mega and big-cap obsession means you're missing out on the small-cap party, where the real growth (and risk) often happens. It's like preferring to only read bestsellers while ignoring the potential of indie hits. Sure, it's safer, but also potentially less rewarding.

Redundant positions Info

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

The high correlation between your ETFs is like owning three different smartphones that all do the same thing. It's redundant and doesn't add value or diversification. In the event of a market downturn, your portfolio could sync to the tune of Titanic's orchestra.

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 attempt at optimization is commendable but misses the mark. It's like trying to improve your car's performance by adding premium fuel while ignoring the flat tires. Focusing on reducing overlap and broadening your geographical and sector exposure could better rev your performance engine.

Ongoing product costs Info

  • iShares Core S&P 500 UCITS ETF USD (Acc) 0.12%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Xtrackers MSCI World Quality UCITS ETF 1C EUR 0.25%
  • Weighted costs total (per year) 0.23%

With total TER at 0.23%, at least you're not bleeding money on fees, which is a small mercy. It's like finding a decently priced meal at a tourist trap — not the highlight of your trip, but a welcome surprise.

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