Roast mode 🔥

A cautiously bold portfolio that's slightly too fond of the familiar

Report created on May 1, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Let's kick this off by acknowledging the elephant in the room: a 40% allocation to developed Europe? That's like insisting on using a Nokia 3310 because it's reliable; sure, it works, but you're missing out on the smartphone era. The portfolio seems to have taken a "play it safe in my backyard" approach, with a staggering 70% in familiar territories (Europe and the US). It’s like planning a world tour but only visiting your neighbors.

Growth Info

With a CAGR of 8.58%, this portfolio has been like a reliable sedan — it gets you from A to B without much fuss. However, the -21.69% max drawdown is a stark reminder that even the safest roads have potholes. It's commendable that you've managed to stay in the green, but let's be honest, with days that make up 90% of your returns being as rare as a solar eclipse, it's clear your strategy is more tortoise than hare.

Projection Info

Monte Carlo simulations are like crystal balls but with math. Your projections range from a chilling -37.8% to a sunny 196.7%, which is a roller coaster that might make even the most stoic investor queasy. While it’s comforting that 845 out of 1,000 simulations predict sunshine, remember, these simulations are more of a weather forecast than a guarantee. Keep your umbrella handy.

Asset classes Info

  • Stocks
    80%
  • Bonds
    20%

Your asset class split has all the excitement of vanilla ice cream. It's 80% stocks and 20% bonds — a classic balanced portfolio, but where's the zest? This is like wearing sensible shoes every day; sure, it’s comfortable and practical, but sometimes you need to throw in some heels or sneakers to spice things up. Consider if a dash of alternative assets might not bring a bit more flavor to the table.

Sectors Info

  • Financials
    15%
  • Technology
    15%
  • Industrials
    10%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Consumer Staples
    6%
  • Telecommunications
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    1%

The sector spread is like a buffet where you loaded up on carbs and protein but skimped on the veggies. Financial services and technology each gobbling up 15% of your plate, while real estate barely gets a nibble with 1%. It’s a meal that might leave you feeling a bit unbalanced. Diversifying your sector intake could prevent indigestion when markets get turbulent.

Regions Info

  • Europe Developed
    39%
  • North America
    30%
  • Asia Emerging
    5%
  • Asia Developed
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    1%

Your geographical diversification screams "homebody." With 69% parked in developed Europe and North America, it's clear you prefer the comfort of well-trodden paths. However, emerging markets are like the spice markets of the investment world; a little can enrich the whole experience. Granted, you've dipped a toe with a 10% allocation, but perhaps it's time to broaden your horizons further.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    28%
  • Mid-cap
    12%
  • Small-cap
    1%

Your market cap allocation is playing it safer than a parent at a playground, with 67% in mega and big caps. It's like you've bubble-wrapped your portfolio. While it's great for avoiding scraped knees, it might also limit your growth potential. Remember, small and micro caps can be the playground daredevils that occasionally pull off impressive feats.

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, your portfolio is like a hiker who's found a comfortable spot halfway up the mountain. Yes, you're seeing some nice views, but you're not quite at the summit. There's room to optimize your risk-return profile. Think of it as adjusting your hiking gear; a few tweaks could make the journey more rewarding or at least more exciting.

Dividends Info

  • Vanguard FTSE Developed Europe UCITS 2.10%
  • Weighted yield (per year) 0.84%

A total yield of 0.84% is like receiving a birthday card with no cash inside — nice, but you can't help feeling a bit disappointed. While dividends aren't the be-all and end-all, in a low-growth environment, they can be the difference between a good year and a great one. Perhaps it's time to look for opportunities with a bit more yield potential.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • Vanguard Global Aggregate Bond UCITS ETF GBP Hedged Accumulation 0.10%
  • Vanguard FTSE Developed Europe UCITS 0.10%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Weighted costs total (per year) 0.10%

With total TER at 0.10%, you've managed to keep costs lower than a limbo stick at a beach party. This is commendable and one of the brighter spots in your portfolio. It's like finding a cheap flight that doesn't skimp on legroom — a rare and beautiful thing. Continue to monitor these costs closely, as even small increases can eat into your returns over time.

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