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A two-trick pony masquerading as a diversified portfolio

Report created on Aug 2, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, having just two ETFs might seem like a minimalist masterpiece, but it's more akin to wearing two left shoes. You've got 70% in a global ETF and 30% in an S&P 500 ETF. It's like betting both on the world and then, for good measure, doubling down on the US. The intention might be diversification, but it's like sprinkling water on soup and calling it hydration. This portfolio composition is a missed opportunity to truly spread risk and explore sectors and geographies that these two behemoths gloss over.

Growth Info

Historically, a 13.12% CAGR is nothing to sneeze at; it's like being the valedictorian at summer school. Impressive, but let's not get ahead of ourselves. The max drawdown of -33.72% is a stark reminder that when the market sneezes, this portfolio could catch a cold. Relying heavily on past performance is like driving using only the rearview mirror; it works until it doesn't. The real kicker? Those 20 days making up 90% of returns. Miss those, and it's like showing up to a party after everyone's left.

Projection Info

Monte Carlo simulations are a fancy way of saying, "Let's make educated guesses." With a spread from 82.5% to 667.0% across the percentiles, it's like predicting British weather; take an umbrella and sunscreen because who knows? While the simulations suggest a sunny outlook, remember, they're as reliable as a chocolate teapot. They assume the future will play nice, which, as history shows, is a gamble. Diversification beyond correlated assets could prevent potential future downpours from ruining the parade.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% in equities, this portfolio is like a diet consisting solely of steak—rich and potentially rewarding but lacking essential nutrients. The absence of bonds, commodities, or real estate leaves you vulnerable to stock market indigestion. A bit more variety could not only provide a safety net during market turbulence but also introduce new flavors to savor in different economic climates.

Sectors Info

  • Technology
    28%
  • Financials
    17%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

The sector spread is like a buffet with too much of the same dish. Technology at 28%? Delicious, but remember the tech hangover of the early 2000s. The financial services and consumer cyclicals are like the side dishes that everyone expects, but there's little here that's going to surprise or counterbalance the tech feast. Diversifying sectors would be like adding some salads and desserts to the menu—providing balance and potentially reducing the risk of a post-meal crash.

Regions Info

  • North America
    75%
  • Europe Developed
    11%
  • Japan
    4%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

North America at 75%? This portfolio is like someone who's convinced the world ends at the US border. While the US market is a powerhouse, ignoring the potential of other regions is like refusing to acknowledge that there's good food outside of your hometown. Diversifying globally could uncover opportunities in markets that march to a different drummer, offering potential growth in areas the US market might not reach.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    35%
  • Mid-cap
    17%
  • Small-cap
    1%

With a heavy lean towards mega and big caps, this portfolio plays it safer than a game of tag with a sloth. Sure, these companies are less likely to face extinction overnight, but they also might not sprint to growth. Only 1% in small caps? That's like refusing to sprinkle chili flakes on your pizza for fear it might be too spicy. A little more small-cap action could add zest and potentially higher returns, albeit with more risk.

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 the two ETFs is like buying insurance for your car and then getting additional insurance for the steering wheel. It feels overly cautious and somewhat redundant. This portfolio's idea of diversification is like wearing two raincoats in light drizzle—overprepared in one area but completely exposed elsewhere. Mixing in assets that don't move in lockstep could help smooth the ride during market turbulence.

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.

This portfolio's risk-return optimization is like trying to balance on a seesaw by yourself. It can be done, but it's awkward and not as effective as it could be. The over-reliance on correlated assets and lack of true diversification means it's not on the Efficient Frontier, a fancy term for the 'sweet spot' of risk and return. It's like settling for good enough when a few adjustments could make it great.

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%
  • Weighted costs total (per year) 0.19%

With total TER at 0.19%, at least this portfolio isn't bleeding you dry with fees. It's like finding a no-booking-fee concert ticket—rare and delightful. In a world where costs can eat into returns like a taxman at a buffet, this portfolio keeps it lean. Credit where credit's due, this is a high note in an otherwise off-key performance.

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