Roast mode 🔥

A cautious label hiding a secretly spicy growth and crypto curious portfolio

Report created on May 2, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is having an identity crisis. On paper it’s “cautious” with a 3/7 risk score and a bond ballast, but under the hood it’s half equities, a chunk of crypto, a tech tilt, a single stock bet, plus some shiny gold. It looks like someone tried to design a sleepy portfolio, then got bored halfway through and started sprinkling in “fun stuff.” The end result is a mashup of committee thinking: low-risk packaging with streaks of high-octane growth DNA. It’s not disastrous, just confused — like wearing a tuxedo jacket with gym shorts and calling it “balanced.”

Growth Info

Historically, the portfolio has done very well, but not quite “hero of the story” level. A €1,000 investment turning into €1,563 in under three years with a 21.25% CAGR is undeniably strong. The roast: you took roughly similar risk to the global and US markets, then still managed to underperform both by a bit. Max drawdown at -13.78% looks tame versus the benchmarks’ -21% to -23%, so you traded a bit of upside for a softer punch in bad months. Past returns are helpful, but like yesterday’s weather, they don’t guarantee tomorrow’s sunshine.

Projection Info

The Monte Carlo projections basically say: “This could go fine, but don’t start drafting your yacht order.” A median outcome of €2,461 over 15 years on €1,000, with a 6.70% simulated annual return, is decent but not exactly fireworks given how lively the current mix feels. Monte Carlo is just a fancy way of rolling the dice a thousand times with past-like assumptions; it doesn’t know about the next crisis, bubble, or political circus. The wide range — €1,212 to €5,106 — screams uncertainty. The portfolio may look aggressive in places, but the forward math is politely unimpressed.

Asset classes Info

  • Stocks
    50%
  • Bonds
    30%
  • No data
    10%
  • Other
    5%
  • Crypto
    5%

Asset-class-wise, this thing is trying very hard to look responsible: 50% stocks, 30% bonds, 5% gold, 5% crypto, and 10% in the mysterious “no data” bucket. The bonds do add a cushion, but the crypto slice instantly ruins any illusion of pure caution, like adding tequila shots to a glass of warm milk. That 10% “no data” chunk is basically the portfolio shrugging and saying “trust me, bro” about a tenth of its holdings. Overall, the mix is neither ultra-defensive nor fully growth-chasing; it’s more like a risk sandwich with a couple of spicy slices hidden inside.

Sectors Info

  • Technology
    19%
  • Financials
    6%
  • No data
    5%
  • Crypto
    5%
  • Industrials
    4%
  • Telecommunications
    4%
  • Consumer Discretionary
    3%
  • Health Care
    3%
  • Consumer Staples
    2%
  • Energy
    1%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector breakdown screams a quiet obsession with technology at 19%, plus an extra nudge from momentum and quality tilts that often end up in similar names. For something carrying a “cautious” tag, that’s a pretty serious tech crush. The rest of the sectors are sprinkled in token amounts — enough to claim diversification, not enough to really matter in a tech tantrum. Crypto as a separate 5% “sector” just adds another volatile flavor. The result is a portfolio that will talk about diversification at dinner, then secretly check the NASDAQ futures on its phone under the table.

Regions Info

  • North America
    32%
  • Europe Developed
    9%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    2%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is playing favorites. North America at 32% dominates, with Europe Developed at only 9% despite the investor being in Europe, and then tiny nods to Japan and Asia. For something stamped “Highly Diversified,” it’s still very “US and friends” centric. That’s not unusual, but it does mean a lot of the fate is tied to one economic and policy regime. The small allocations to Japan and Asia Emerging feel more like a box-ticking exercise than a serious conviction. This isn’t a global buffet; it’s mainly one big plate with a few decorative side dishes.

Market capitalization Info

  • Large-cap
    22%
  • Mega-cap
    22%
  • Mid-cap
    6%
  • No data
    5%

This breakdown covers the equity portion of your portfolio only.

Market-cap exposure is a straight-up “big kids’ table” situation: 22% mega-cap and 22% large-cap, with mid-caps getting a modest 6% cameo. This is basically saying, “If it’s not already famous, we’re not that interested.” That tilt tends to mean smoother news-flow but also less room for real surprise upside from smaller names. It’s a classic move for someone aiming for stability, but then crypto and factor tilts came along and ruined the tidy narrative. Overall, the cap profile is conventional and boring — which clashes nicely with the not-so-boring rest of the portfolio design.

True holdings Info

  • Novo Nordisk A/S Class B
    5.00%
  • NVIDIA Corporation
    2.95%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
    • iShares MSCI World Momentum Factor UCITS
  • Apple Inc
    2.41%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
  • Microsoft Corporation
    1.75%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
  • Broadcom Inc
    1.06%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares MSCI World Momentum Factor UCITS
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.83%
    Part of fund(s):
    • iShares MSCI EM Asia UCITS ETF
  • Alphabet Inc Class A
    0.78%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
    • iShares MSCI World Momentum Factor UCITS
  • Amazon.com Inc
    0.68%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
  • Meta Platforms Inc.
    0.58%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class C
    0.55%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • iShares MSCI World Momentum Factor UCITS
  • Top 10 total 16.58%

This breakdown covers the equity portion of your portfolio only.

The look-through holdings spill the real tea: the usual mega-cap tech celebrities dominate the visible overlap — NVIDIA, Apple, Microsoft, Alphabet, Amazon, Meta, Broadcom, TSMC. Novo Nordisk stands out as a 5% single-stock bet with zero ETF overlap, very much doing its own solo performance. With only 21.8% portfolio coverage from top-10 ETF positions, the actual overlap is almost certainly worse than it looks. Hidden concentration here is basically guaranteed. On paper it’s many tickers; in practice it’s a fan club for a handful of global megastars plus one Scandinavian superstar hogging the spotlight.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc
    Weight: 18.75%
    24.0%
  • Novo Nordisk A/S Class B
    Weight: 5.00%
    11.8%
  • Expat Slovenia SBI Top UCITS ETF
    Weight: 10.00%
    9.6%
  • Xtrackers MSCI World Information Technology UCITS ETF 1C
    Weight: 5.00%
    9.3%
  • Ethereum
    Weight: 2.50%
    9.1%
  • Top 5 risk contribution 63.7%

Risk contribution exposes who’s actually driving the drama. The S&P 500 ETF is under 19% of weight but almost 24% of risk — clearly the main character. Novo Nordisk at 5% weight throwing in 11.75% of total risk is doing some serious heavy lifting. Ethereum at 2.5% and over 9% of risk is a volatility grenade posing as a side allocation. The top three holdings accounting for 45.31% of total risk means that most of the portfolio is just background decoration, while a few positions decide whether the mood is champagne or panic. The “cautious” label doesn’t survive this chart.

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 chart is absolutely roasting this portfolio. With a Sharpe ratio of 1.51 while an optimal mix of the same holdings reaches 2.94, the message is: you picked decent ingredients and then arranged them badly. Being 11.09 percentage points below the frontier at your current risk level is like running a marathon in hiking boots: you still get somewhere, but not as fast as you could. The minimum-variance portfolio shows you could go way calmer; the max-Sharpe option shows you could go meaningfully punchier with better risk efficiency, all without adding a single new product.

Ongoing product costs Info

  • iShares MSCI EM Asia UCITS ETF 0.20%
  • Invesco Euro Government Bond 1-3 Year UCITS ETF 0.10%
  • iShares Inflation Linked Government Bond UCITS 0.09%
  • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR 0.30%
  • iShares MSCI World Momentum Factor UCITS 0.30%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • Xtrackers MSCI World Information Technology UCITS ETF 1C 0.25%
  • iShares Physical Gold ETC 0.25%
  • Xtrackers MSCI Japan UCITS ETF 1C 0.12%
  • Amundi Euro Government Bond 3-5Y UCITS ETF Acc EUR 0.16%
  • Multi Units Luxembourg - Lyxor EuroMTS 5-7Y Investment Grade (DR) UCITS ETF 0.16%
  • Weighted costs total (per year) 0.12%

Costs are the one area where this portfolio isn’t embarrassing itself. A total TER around 0.12% for the ETF lineup is very reasonable — you clearly didn’t fall for the “2% fees for the same index” trap. Individual funds in the 0.20–0.30% range for factor and regional exposure are pretty normal for their category. So the joke here isn’t about overpaying; it’s about using those cheap tools in a slightly chaotic way. You assembled a low-cost toolbox, then built something that looks both complicated and slightly inefficient. The fees are fine; the architecture is the bigger question.

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