This portfolio has only about 10 months 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.
Roast mode 🔥

Cautious investor builds well diversified portfolio then drives it like a three wheeled shopping cart

Report created on Mar 27, 2026

Risk profile Info

2/7
Conservative
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This thing calls itself “conservative” with a 2/7 risk score, yet 73% is in stocks plus a tiny crypto cherry on top. That’s like ordering a salad and then drowning it in cheese and bacon. Structurally, though, it’s mostly broad, boring ETFs with a sprinkle of gold and a random 2% VRTX position that looks like a dare. For about 10 months of history, it behaves like someone trying to be sensible but occasionally touching the red button just to see. The general takeaway: the skeleton is solid, but a couple of weird limbs are flapping around for no good reason.

Growth Info

In not-even-a-year of data, this portfolio turned €1,000 into about €1,094, beating both the US and global markets on paper. CAGR (Compound Annual Growth Rate) just says “if every year looked like this slice, you’d grow at 10.94% a year” — which, with 10 months of history, is basically fan fiction. Max drawdown of -7.68% is mild and similar to benchmarks, so nothing exploded… yet. But past data over such a short window is like judging a marathoner after 500 meters: pace looks great, but you have no idea if they’ll puke at kilometer five.

Asset classes Info

  • Stocks
    73%
  • Bonds
    15%
  • No data
    9%
  • Crypto
    3%

Asset class split: 73% stocks, 15% bonds, 3% crypto, plus 9% “no data” mystery zone. For something branded conservative, that’s equity-heavy with only a modest bond safety net. The bond allocation is like wearing elbow pads but skipping the helmet. Stocks drive growth and drama; bonds usually dull the impact when markets get punched. The 3% crypto is small but makes the risk profile spikier than the “2/7” score suggests. Takeaway: either the risk score is being very generous, or the idea of “conservative” here is closer to “I like roller coasters but with seatbelts.”

Sectors Info

  • Technology
    14%
  • Financials
    14%
  • Industrials
    11%
  • Health Care
    7%
  • Consumer Discretionary
    7%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Telecommunications
    4%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    2%
  • No data
    2%

This breakdown covers the equity portion of your portfolio only.

Sector mix is surprisingly sane: tech and financials tied at the top with 14% each, then a spread across industrials, health care, consumer sectors, and the usual supporting cast. No single sector is screaming addiction or obsession. That said, tech plus semis lurking via look-through means there’s still a growth tilt hiding behind the curtain. Compared with many “modern” portfolios that are 40%+ tech cosplay, this one looks almost suspiciously reasonable. The main risk here isn’t a single sector imploding; it’s broad market pain. When everything falls together, “balanced sectors” just means they all go down in unison, nicely diversified on the way.

Regions Info

  • Europe Developed
    27%
  • North America
    22%
  • Asia Developed
    9%
  • Asia Emerging
    8%
  • Japan
    3%
  • Africa/Middle East
    2%
  • No data
    2%
  • Latin America
    2%
  • Australasia
    1%
  • Europe Emerging
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, it’s very “Germany-approved global citizen”: 27% Europe Developed, 22% North America, then smaller slices across Asia, emerging regions, and the rest of the map. Not the usual “America or nothing” approach, which is refreshingly sensible. But heavy Europe exposure does mean you’re tying returns to a region that historically hasn’t exactly been a growth rocket. Remember, history isn’t destiny, especially over 10 months, but regional biases can quietly drag or boost long-term outcomes. The upside: at least this isn’t a one-country ego portfolio. The downside: if Europe has another sluggish decade, this allocation will feel more “polite disappointment” than “world-conquering.”

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    19%
  • Mid-cap
    13%
  • Small-cap
    8%
  • No data
    2%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

Market cap split shows a strong lean into the grown-ups: 30% mega-cap and 19% large-cap, with a decent 13% mid-cap and 8% small-cap seasoning. Then a sliver of micro-cap chaos. This is like a band with mostly reliable headliners and a few unhinged indie acts on the side. For a supposedly conservative setup, the small and micro portion is not huge but definitely enough to add some bumpiness. Still, overall it’s tilted toward stability rather than lottery tickets. Takeaway: size-wise, this is mostly sensible — just don’t pretend the small and micro caps are harmless background noise when markets start shaking.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.34%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI Emerging Markets IMI UCITS
  • ASML Holding NV ADR
    1.69%
    Part of fund(s):
    • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
    • iShares Core MSCI Europe UCITS ETF EUR (Acc)
  • Rogers Corporation
    1.28%
    Part of fund(s):
    • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
    • iShares Core MSCI Europe UCITS ETF EUR (Acc)
  • Novan Inc
    1.14%
    Part of fund(s):
    • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
    • iShares Core MSCI Europe UCITS ETF EUR (Acc)
  • AstraZeneca PLC
    0.95%
    Part of fund(s):
    • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
    • iShares Core MSCI Europe UCITS ETF EUR (Acc)
  • Samsung Electronics Co Ltd
    0.89%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • SAP SE
    0.77%
    Part of fund(s):
    • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
    • iShares Core MSCI Europe UCITS ETF EUR (Acc)
  • NVIDIA Corporation
    0.76%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Apple Inc
    0.70%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tencent Holdings Ltd
    0.62%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Top 10 total 11.14%

This breakdown covers the equity portion of your portfolio only.

The look-through shows the usual celebrity stocks popping up via ETFs: TSMC, ASML, NVIDIA, Apple, Tencent, etc. Nothing insane, but some quiet concentration in big tech and chip names sneaks in under the “diversified ETF” label. Overlap is probably worse than it looks because we only see top-10 holdings, so the hidden part of the iceberg is missing. This is the classic ETF trap: thinking you own thousands of companies evenly, when actually the same handful of megastars are hogging the spotlight from multiple angles. It’s diversified-ish, but definitely not as evenly spread as the marketing brochures suggest.

Factors Info

Value
Preference for undervalued stocks
No data
Data availability: 0%
Size
Exposure to smaller companies
Very low
Data availability: 88%
Momentum
Exposure to recently outperforming stocks
No data
Data availability: 0%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Low
Data availability: 88%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 15%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure is where the personality really shows. Size factor is “very low,” meaning you lean away from small stocks overall, despite a small-cap ETF in the mix — the megas still dominate. Low Volatility is high at 70%, so you’re basically buying the “please don’t fling me around too much” style. Yield is low, so you’re not chasing dividends either. Factors are like the hidden ingredients: you’ve unintentionally picked “calmer, bigger companies” as your flavor. That fits the conservative label better than the asset mix does. Just remember: low volatility doesn’t mean no volatility — it just means “less screaming,” not “no pain.”

Risk contribution Info

  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 18.00%
    21.7%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc)
    Weight: 22.00%
    21.5%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 18.00%
    18.2%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    Weight: 15.00%
    17.7%
  • VRTX
    Weight: 2.00%
    7.0%
  • Top 5 risk contribution 86.1%

Risk contribution exposes the drama queens. Emerging markets at 18% weight contribute about 22% of total risk — classic overachiever. Small caps do the same: 15% weight, nearly 18% risk. But the prize goes to that 2% VRTX position: a ridiculous 7% of total portfolio risk. That’s a tiny holding throwing a full tantrum. Risk contribution is basically “who’s shaking the portfolio the most,” and here a small speculative slice is punching way above its weight. The general move in setups like this is simple: either shrink or tame the noisy bits so the risk profile actually matches the “conservative” label instead of cosplay.

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 risk–return chart is where the roasting writes itself. Your current portfolio has a Sharpe ratio of 0.83, while the optimal mix of the *same holdings* hits 2.03 — a huge jump in risk-adjusted return. The efficient frontier is the best possible trade-off between risk and return using what you already own. You’re sitting a chunky 10.4 percentage points below that line at your risk level, which is like deliberately taking a slower, bumpier route to the same destination. The annoying part: you don’t need new products, just smarter weights. Reweighting alone could make this look far less like “conservative chaos.”

Ongoing product costs Info

  • iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) 0.10%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • Weighted costs total (per year) 0.18%

Costs are the one area where this portfolio is almost suspiciously competent. A total TER of about 0.18% is impressively low — that’s “I actually read the factsheets” territory. Fees are like slow leaks in a tire: you barely notice them daily, but over years they ruin your range. Here, that leak is tiny. You’re not lighting money on fire by paying for overpriced active heroes who then hug the index anyway. If anything, the cheapness makes the inefficiencies elsewhere more irritating: the ingredients are budget-friendly and high quality, but the recipe is a bit clumsy for what it could be.

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