This portfolio has only about 1 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.
Get this analysis for your own portfolio Paste your holdings — the first report is free and takes about a minute. Analyze mine Roast mode 🔥

Diversified with training wheels and a hidden tech obsession pretending to be perfectly sensible

Report created on Apr 4, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
Curious how your own portfolio scores? Same analysis, your holdings. First report free — no card needed. Analyze mine

Positions

The overall structure screams “I like diversification… but only up to a point.” Two global equity funds plus a world ETF and a US ETF means you’ve basically bought the same global cake three times and added extra frosting made of S&P 500. Then you sprinkled in some bonds gold and a tiny sliver of Bitcoin like a guilty pleasure. The mix is not terrible but it is wildly redundant at the top. Buying overlapping funds is like paying for three streaming services to watch the same show. The general takeaway: the core idea is fine but the execution is clunky and unnecessarily duplicative.

Growth Info

Over this baby-sized one-year window €1,000 turned into €1,087. That’s an 8.39% CAGR – CAGR being the “average annual speed” of growth – which is decent but hardly legendary. You beat the US market a bit but lagged the global market by over 2 percentage points. Max drawdown at -11.6% is mild compared with the benchmarks’ -15% hits so at least the panic moments were slightly softer. But with only about a year of history this is statistical toddler data: helpful to know it can stay upright but useless for judging marathon potential. Treat this as a vibe check not a long-term verdict.

Projection Info

The Monte Carlo projection basically ran 1,000 “what if” futures using past volatility and returns as a rough guide. Median outcome: €1,000 becomes about €2,535 in 15 years. Not bad but the possible range runs from “barely above water” at around €1,079 to “I nailed it” at over €5,400. That’s a massive spread and remember this is built on roughly one year of history which is like forecasting your entire career from your first week at work. Useful for understanding risk but absolutely not a promise. Takeaway: expect a bumpy ride where odds favor a gain but the exact destination is very much a shrug.

Asset classes Info

  • Stocks
    70%
  • Bonds
    22%
  • No data
    5%
  • Crypto
    3%

On paper the split is 70% stocks 22% bonds 3% crypto and about 5% mystery “no data.” That stock/bond mix is classic “balanced investor” cosplay: plenty of growth risk with some bonds pretending to be emotional support animals. The high-yield bonds add a bit of spice while the global aggregate does the grown-up stabilizing work. Then you quietly shoved in crypto as the portfolio’s chaos goblin. Overall you’re much more equity-driven than the risk label suggests; if stocks wobble this portfolio follows. General lesson: if 70%+ is in equities you are in the “this will swing” zone no matter how polite the bond sleeve looks.

Sectors Info

  • Technology
    19%
  • Financials
    11%
  • Industrials
    8%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise this is very much tech-led with technology at 19% and then a more civilised spread across financials industrials health care and the rest. It’s basically “broad market” with a tech crush. Nothing outrageous but remember those top holdings: the most influential names are near-all mega tech and their friends so your real world sensitivity to anything growth or tech-related is higher than these percentages look. Leaning on one engine is fine until that engine misfires. Takeaway: sector exposure looks moderate yet under the hood you’re still paying a lot of attention to one story – big innovative growth – whether that was deliberate or not.

Regions Info

  • North America
    51%
  • Europe Developed
    9%
  • Japan
    4%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geography-wise it’s very “America first and everyone else gets the leftovers.” North America at 51% towers over Europe Japan and the rest. To be fair that’s roughly how global market-cap indices look so this isn’t some wild bias it’s just unoriginal. Still you’ve basically decided that over half of your financial fate should depend on one economic bloc’s politics currency and corporate behavior. The rest of the world is treated like garnish not a real ingredient. That’s workable but far from imaginative. Takeaway: this is index-standard home bias by proxy – comfortable predictable and slightly boring in a “never left the big tourist cities” way.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    25%
  • Mid-cap
    11%

This breakdown covers the equity portion of your portfolio only.

On market cap you’re clearly dating the popular kids: 34% mega-cap 25% large-cap and 11% mid-cap. So yes this is a big-company portfolio with barely a nod to smaller firms. You’ve gone for the giants that already won not the scrappy underdogs with higher potential and higher chaos. That tends to mean smoother news flow but also exposure to crowd behavior since everyone else owns the same names. When the big caps sneeze the market catches a cold and so does this portfolio. Takeaway: you’re paying for stability and brand recognition not for adventurous fishing in the smaller end of the market.

True holdings Info

  • NVIDIA Corporation
    3.64%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SPDR® MSCI World UCITS ETF EUR
  • Apple Inc
    3.26%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SPDR® MSCI World UCITS ETF EUR
  • Microsoft Corporation
    2.36%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SPDR® MSCI World UCITS ETF EUR
  • Amazon.com Inc
    1.67%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SPDR® MSCI World UCITS ETF EUR
  • Alphabet Inc Class A
    1.50%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SPDR® MSCI World UCITS ETF EUR
  • Alphabet Inc Class C
    1.26%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SPDR® MSCI World UCITS ETF EUR
  • Broadcom Inc
    1.23%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SPDR® MSCI World UCITS ETF EUR
  • Meta Platforms Inc.
    1.18%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SPDR® MSCI World UCITS ETF EUR
  • Tesla Inc
    0.96%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SPDR® MSCI World UCITS ETF EUR
  • ASML Holding NV ADR
    0.66%
    Part of fund(s):
    • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
  • Top 10 total 17.71%

This breakdown covers the equity portion of your portfolio only.

The look-through holdings tell a very familiar story: NVIDIA Apple Microsoft Amazon Alphabet Broadcom Meta Tesla… it’s like you just bought the stock market’s celebrity gossip column. With top-10 coverage only around 22% the real overlap is surely higher but even this partial view shows the same megacap tech names popping up repeatedly inside your different ETFs. That’s hidden concentration: on paper you own many funds; in practice you’ve just built a fan club for the same handful of giants. Overlap itself isn’t evil but pretending this is a wildly differentiated set of ideas definitely is. The subtle lesson: counting tickers is not the same as counting genuinely different bets.

Risk contribution Info

  • SPDR® MSCI World UCITS ETF EUR
    Weight: 28.19%
    49.0%
  • Amundi Prime All Country World UCITS ETF Acc EUR
    Weight: 28.42%
    27.9%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 11.76%
    11.9%
  • iShares Bitcoin ETP
    Weight: 3.36%
    6.9%
  • iShares € High Yield Corp Bond ESG UCITS ETF EUR (Acc)
    Weight: 9.93%
    1.7%
  • Top 5 risk contribution 97.3%

Risk contribution is where the mask slips. That SPDR MSCI World position at 28% weight is contributing a ridiculous 49% of portfolio risk. The Amundi world ETF at a similar weight pulls 28% of risk and the S&P 500 adds another 12%. Your top three holdings together drive almost 89% of total volatility. Meanwhile high-yield bonds sit there with nearly 10% weight but barely 2% of risk – the quiet kid in the back of the class. This is like calling it a “band” when one guitarist is playing at 200 decibels. Takeaway: trimming or reweighting those top global equity funds could dramatically change how rough the ride feels without changing the shopping list.

Redundant positions Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Amundi Prime All Country World UCITS ETF Acc EUR
    High correlation

You’ve officially managed to own two funds that move almost identically: the S&P 500 ETF and the Amundi ACWI are basically twins in risk terms. Highly correlated assets are like having two smoke alarms wired to the same battery: when it dies both go silent. In a crash these don’t offset each other they just fall together holding hands. That doesn’t mean they’re useless but it does mean you’re not getting as much diversification juice as the number of tickers suggests. General lesson: buying more things only helps if those things actually behave differently when the world goes sideways.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

The risk vs. return chart is where the portfolio gets publicly shamed. At 9.55% expected return and 14.47% risk with a Sharpe ratio of 0.38 you’re sitting massively below your own efficient frontier. The optimal mix of the *same holdings* would have a Sharpe of 1.71 – that’s not a small miss that’s “wrong side of the stadium.” Even the minimum variance version beats your Sharpe. Translation: with exactly the same ingredients a smarter weighting could give you much better bang for each unit of risk. This isn’t about picking new products; it’s about not arranging your current ones like a game of darts thrown in the dark.

Ongoing product costs Info

  • iShares € High Yield Corp Bond ESG UCITS ETF EUR (Acc) 0.25%
  • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) 0.10%
  • SPDR® MSCI World UCITS ETF EUR 0.12%
  • Weighted costs total (per year) 0.07%

Total TER at 0.07% is suspiciously good – like “did you accidentally do something smart?” levels of good. The individual ETFs are all low-cost and nothing here is trying to quietly rob you while telling a fancy story. You’re basically flying economy with a deep-discount ticket and somehow the plane is still perfectly serviceable. Sure the high-yield bond fund costs a bit more but it’s still modest. With fees this low you’ve removed one of the easiest ways to shoot yourself in the foot. Takeaway: cost discipline is the one area where this portfolio behaves like a straight-A student. Don’t mess that up.

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