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Confident world index cosplay with bonus overlap glitter and a tiny accidental crypto flamethrower

Report created on May 27, 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 basically three ways of buying the same global equity salad plus a side of gold and Bitcoin. All-World at 45% already covers pretty much everything, then World and Developed Europe climb on top like copy-paste layers. It looks diversified on paper but structurally it’s “global stocks, but again.” This kind of stacking is like owning three different encyclopedias that all start with the same letters. The result is a portfolio that feels busier than it really is. Under the hood it’s largely one core bet: mainstream global equities with a slightly louder European accent and a couple of shiny toys bolted on.

Growth Info

Historically, this thing has behaved like a slightly quirky index fund that didn’t quite keep up with the US rocket ship. CAGR of 11.86% and €1,717 from €1,000 is nothing to cry about, but it did lag the US market by 1.85% a year. That’s the price of not going full America-fanboy. Versus the global market, it squeezed out a modest edge, so it’s not dead weight, just not heroic either. The max drawdown at -20.39% is normal crash-landing territory, and the 20-month recovery reminds you that “balanced” still spends long stretches feeling pretty unbalanced.

Projection Info

The Monte Carlo projection turns the portfolio’s past into 1,000 “what if” futures and then throws dice at them. Median outcome of €2,711 in 15 years with an 8.02% average annual return is optimistic but not fantasy. The likely range from €1,835 to €4,056 is basically saying, “expect something between decent and pleasantly surprising.” But the p5 at €938 quietly whispers, “you might go nowhere for 15 years.” Simulations are yesterday’s weather rerun with better graphics; they can’t see future crises, regulation changes, or the next fad asset everyone swears is “different this time.”

Asset classes Info

  • Stocks
    90%
  • Other
    5%
  • Crypto
    5%

Asset class split is 90% stocks, 5% gold, 5% Bitcoin, so the “balanced” label is doing some creative writing. This is an equity engine with a tiny metal paperweight and a crypto firecracker taped to the hood. Stocks dominate everything here; if global equities sneeze, the portfolio catches the flu, gold shrugs a little, and Bitcoin has a panic attack. Gold’s 5% looks like someone felt guilty about not owning any “defensive” assets and tossed it in as a conscience salve. This is structurally a growth-tilted, risk-on setup with decorative shock absorbers.

Sectors Info

  • Technology
    20%
  • Financials
    16%
  • Industrials
    13%
  • Health Care
    8%
  • Consumer Discretionary
    8%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Crypto
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector mix screams “index hugger with a mild tech crush.” Tech at 20% is big but not insane, just enough to ride the AI hype train without fully moving in. Financials, industrials, and healthcare all show up in chunky, sensible doses, so there’s no wild sector bet dominating the skyline. The 5% crypto wedge off to the side is the loudest outlier, sitting in its own category like a meme stock that got a whole sector named after it. Overall, the sector spread looks like a textbook allocation that happened accidentally while the real weirdness hid in the structure, not the sectors.

Regions Info

  • North America
    46%
  • Europe Developed
    30%
  • Japan
    5%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this is “world-ish” with a clear soft spot for the usual suspects. About 46% in North America and 30% in developed Europe means almost four-fifths of the portfolio never leaves the rich world bubble. Emerging markets are basically pocket change: low single digits across Asia, Latin America, and Africa/Middle East. That’s less “globally adventurous” and more “I’ve seen some travel blogs.” It tightly shadows mainstream global indices instead of making bold regional calls. The risk is obvious: if developed markets go through a lost decade together, this allocation is chained to that bench with them.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    26%
  • Mid-cap
    17%
  • Small-cap
    7%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is mostly grown-ups with a small but noticeable teenager problem. With 37% in mega-caps, 26% in large-caps, and 17% in mid-caps, the base is classic big-company world index. Then you’ve got 7% in small-caps and 2% in micro-caps, which is where volatility gets more dramatic and liquidity less friendly. That 15% small-cap ETF is clearly injecting extra spice down the size spectrum. It’s like adding chili flakes to an otherwise mild dish: not overwhelming, but you’ll know it’s there when markets wobble and the smaller names overreact both up and down.

True holdings Info

  • NVIDIA Corporation
    2.68%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc)
  • Apple Inc
    2.26%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc)
  • Microsoft Corporation
    1.68%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc)
  • Amazon.com Inc
    1.43%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc)
  • Alphabet Inc Class A
    1.25%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc)
  • Broadcom Inc
    1.07%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc)
  • Alphabet Inc Class C
    1.02%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc)
  • ASML Holding N.V.
    0.78%
    Part of fund(s):
    • Vanguard FTSE Developed Europe UCITS
  • Meta Platforms Inc.
    0.75%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.74%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 13.65%

This breakdown covers the equity portion of your portfolio only.

Look-through holdings confirm the obvious: this portfolio worships at the altar of the megacap tech bosses without owning them directly. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, TSMC, ASML — they all show up, repeatedly, via multiple ETFs. Overlap data only covers top-10s, so the true duplication is almost certainly higher. It’s like buying three different “diversified” playlists that all start with the same ten songs. The portfolio looks broad, but when the same giants appear everywhere, the fate of those few names quietly drives a big chunk of the journey whether that was intended or not.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 45.00%
    44.5%
  • Vanguard FTSE Developed Europe UCITS
    Weight: 20.00%
    19.2%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc)
    Weight: 15.00%
    18.5%
  • iShares Core MSCI World UCITS ETF USD (Acc)
    Weight: 10.00%
    8.9%
  • Bitcoin
    Weight: 5.00%
    8.4%
  • Top 5 risk contribution 99.4%

Risk contribution makes it obvious who’s actually running the show. All-World at 45% weight contributes 44.47% of risk — it’s pulling exactly its weight. Developed Europe at 20% does 19.15% of the risk lifting, also pretty proportional. Then the small-cap ETF, with just 15% weight, hogs 18.46% of total risk, and Bitcoin at 5% weight delivers a punchy 8.43% risk share. That little crypto slice is doing more drama than some much larger holdings. When the top three holdings drive 82.08% of total risk, diversification starts to look more like a costume than a structural reality.

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.

The efficient frontier politely calls this portfolio inefficient by design. With a Sharpe ratio of 0.66 at 13.43% risk, it sits a chunky 7.6 percentage points below what could be achieved just by rearranging the same ingredients. Meanwhile, the optimal mix hits a Sharpe of 1.54 with higher return and lower risk, and even the minimum variance version slaps it with 1.43 and less volatility. That’s the asset allocation equivalent of jogging with a weighted backpack while your identical twin runs faster without one. Nothing new needed — just different sizing — yet this setup chooses the clunkier path.

Ongoing product costs Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • iShares Core MSCI World UCITS ETF USD (Acc) 0.20%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) 0.35%
  • Vanguard FTSE Developed Europe UCITS 0.10%
  • Weighted costs total (per year) 0.18%

Costs are one of the few places this portfolio doesn’t self-sabotage. A blended TER of 0.18% is impressively low — you’d struggle to mess that up unless you actively tried. It’s like flying economy but somehow sneaking business-class legroom; not glamorous, but functionally excellent. Still, paying four different product providers to deliver what one or two broad funds could do feels slightly redundant. You’re not being robbed on fees, but you are overcomplicating cheaply. The cost structure is the adult in the room while the rest of the portfolio experiments with overlapping exposures and side bets.

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