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Diversified but slightly redundant global soup pretending to be four different portfolios at once

Report created on Mar 23, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Balanced Investors

This portfolio suits someone who says “I’m balanced” but secretly thrives on a bit of chaos. Comfortable with full equity swings, but not interested in meme-stock nonsense, this person likes broad global exposure with one or two nerdy tilts for intellectual satisfaction. Long time horizon, probably a decade or more, and enough emotional stability to watch a -20% drawdown without rage-selling everything. They value low costs, simplicity, and not having to follow financial news every day, but they’re also not allergic to a little factor experimentation. In short: patient, moderately risk-tolerant, growth-focused, and more “quiet index nerd” than “hyperactive trader.”

Positions

This “balanced” portfolio is 100% stocks in four funds that all mostly own the same global market. It’s like ordering four different pizzas and somehow getting margherita every time. Two global ETFs at 35% each is straight-up duplication, then you tack on Europe and a spicy small-cap value tilt for flavor. Structurally, it looks diversified, but under the hood it’s basically one big global equity bet with a minor value-and-small garnish. The takeaway: this is simple and broadly sensible, but you’re paying in complexity (and rebalancing hassle) for almost zero extra diversification. One of those core globals is basically just a clone of the other.

Warning Historical data is limited for this portfolio, which reduces the confidence in the calculated values.

Growth Info

Historically, this thing has done… fine, but not heroic. CAGR of 10.87% versus almost 20% for the US market is a polite way of saying “you underperformed the cool kid.” You did slightly better than the global market at 9.29%, which is a small win. Max drawdown around -20.4% shows you’re riding the full equity rollercoaster, not some kiddie ride, and it’s not meaningfully softer than the global market’s -21.25%. Also, 90% of returns happening in just 5 days is classic stock market chaos. Past data is like yesterday’s weather: useful, but it lies often. Expect future returns to rhyme, not repeat.

Warning Due to limited historical data, this may show extreme values that are not realistic.

Projection Info

The Monte Carlo projection basically played hype man: median outcome is +335% over 10 years, and even the 5th percentile is still up about 58%. That sounds amazing, but let’s calm down. Monte Carlo is just a fancy way of re-mixing past returns into thousands of “what if” futures — like shuffling old weather data and pretending it’s a forecast. Your simulation is built on less than two years of history, which is hilariously short for long-term planning. So the numbers look great, but they’re standing on statistical matchsticks. The real takeaway: long-term equities usually reward patience, but the exact path will be much messier than this pretty chart suggests.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% chill. For something labeled “Balanced” and sitting at risk score 4/7, this is really an all-in equity portfolio wearing a slightly responsible name tag. There’s no bonds, no cash buffer, no anything that might cushion blows when markets decide to throw a tantrum. That’s fine if the time horizon is long and nerves are solid, but calling this balanced is like calling an espresso “hydration.” The upside potential is strong, but so is the chance of watching double-digit drops and just having to sit there and take it. Anyone expecting a smooth ride is in the wrong theme park.

Sectors Info

  • Technology
    21%
  • Financials
    19%
  • Industrials
    13%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    7%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, tech at 21% and financials at 19% scream “I like global indexes and I’m not picky.” You’ve basically mirrored a broad global allocation: industrials, consumer cyclicals, healthcare, and communication services all get meaningful slices, and nothing is comically oversized. That’s the good news. The bad news is there’s no clear intentional tilt beyond the small-cap value fund; the sector mix looks like it just followed the benchmark without a second thought. It’s fine, it’s conventional, it won’t win originality prizes. Takeaway: sector risk is relatively balanced, but you’re still very much tied to the fate of big tech and big banks driving global equity sentiment.

Regions Info

  • North America
    56%
  • Europe Developed
    26%
  • Japan
    6%
  • Asia Developed
    4%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geography screams “US first, Europe second, everything else can fight for scraps.” North America at 56% and developed Europe at 26% means over 80% in two mature regions. Japan, developed Asia, and emerging Asia are token gestures, not serious bets, and other regions are barely on the radar. On the upside, this lines up pretty well with global market weights, so at least it’s not a random home-bias mess. But it does mean your future is heavily hitched to Western developed markets continuing to dominate. If the global leadership baton ever passes elsewhere, this setup will watch more than participate. This is market-cap capitalism, not global curiosity.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    8%
  • Micro-cap
    5%

Market cap exposure is a classic barbell: 43% mega, 29% large, then a decent 15% mid, 8% small, and a spicy 5% micro. The small and micro caps are largely sneaking in through that Avantis small cap value ETF, giving you some real high-octane stuff at the fringe. The mega-cap tilt means the portfolio’s mood swings will still mostly follow the big household names, but the small-cap chunk will add extra wobble in both directions. This isn’t reckless, but it’s also not boring. Takeaway: you’re slightly braver than a pure mega-cap clone, but let’s not pretend this is a hardcore small-cap explorer. It’s more “index with extra seasoning.”

True holdings Info

  • NVIDIA Corporation
    3.13%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
  • Apple Inc
    2.81%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
  • Microsoft Corporation
    2.09%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
  • Amazon.com Inc
    1.45%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
  • Alphabet Inc Class A
    1.31%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.10%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
  • Alphabet Inc Class C
    1.10%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
  • Broadcom Inc
    1.08%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
  • Meta Platforms Inc.
    1.01%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
  • Tesla Inc
    0.84%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    • LS 1x Tesla Tracker ETP Securities GBP
  • Top 10 total 15.93%

Looking through the top holdings, this portfolio worships the usual mega-cap tech altar: NVIDIA, Apple, Microsoft, Amazon, Alphabet, TSMC, Broadcom, Meta, Tesla. You’re not unique; you’re just another passenger on the Big Tech bus. Because we only see ETF top-10s, the real overlap is probably worse than it looks. You think you own four funds; in practice, you own one giant pile of the same global giants with a small-cap value seasoning packet. Hidden concentration like this can surprise people in crashes: everything falls together because it’s basically the same stuff in different wrappers. Overlap itself isn’t evil, but calling this “four funds” is marketing, not meaningful diversification.

Factors Info

Value
Preference for undervalued stocks
Strong tilt
Data availability: 15%
Size
Exposure to smaller companies
Slight tilt
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Moderate tilt
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
No data
Data availability: 0%

Factor profile: big tilt to Value (85% exposure), strong Momentum (62%), and a notable Size tilt (30%). Factor exposure is basically the ingredient list behind performance — and this list says “cheap-ish, trending, and smaller than average.” That’s a surprisingly coherent combo, not a random mess. But signal coverage is only 35.8%, so we’re reading the portfolio with foggy glasses. You’re leaning into value while also chasing what’s been working, which is like bargain-hunting in the popular aisle. Could work beautifully when value and momentum align, but when markets flip, this cocktail can sting. The good news: at least this factor tilt looks intentional-ish rather than a total accident. Lucky or planned, it’s not dumb.

Risk contribution Info

  • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    Weight: 35.00%
    35.9%
  • Amundi Prime All Country World UCITS ETF Acc EUR
    Weight: 35.00%
    35.1%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 15.00%
    17.1%
  • Amundi Stoxx Europe 600 UCITS ETF C EUR
    Weight: 15.00%
    12.0%

Risk contribution shows who is actually shaking the portfolio, not just who looks big on paper. Your two 35% global funds each contribute basically their weight in risk — around 35–36% — so they’re doing exactly what they say on the tin. The small-cap value ETF is only 15% of the weight but 17% of the risk, so it’s a bit of a drama queen. Meanwhile, the Europe 600 ETF is 15% weight but only ~12% of risk, so it’s the quiet kid in the back. Top three positions driving 88% of total risk means you’re concentrated in your cores. Trim or rebalance, and you could dial up or down the spice without changing holdings.

Redundant positions Info

  • Amundi Prime All Country World UCITS ETF Acc EUR
    Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    High correlation

Correlation-wise, your two global ETFs are basically twins — they move together like synchronized swimmers. High correlation means that owning both doesn’t meaningfully smooth the ride; when one gets smacked, the other usually does too. Correlation just measures how often things move in the same direction; in a real crash, high-correlation assets all decide to jump off the same cliff together. Here, duplication is your main issue: you’re using multiple funds to do one job. That doesn’t make the portfolio doomed, just inefficient. Slightly fewer near-identical holdings and slightly more complementary ones would give you actual diversification instead of copy-paste diversification.

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.

On the risk-return chart, your current setup is sitting below the efficient frontier, which is finance-speak for “you’re leaving performance on the table for the risk you’re taking.” Efficient frontier just means “best possible risk/return mix using these exact ingredients.” Right now, expected return is 11.06% with 14.54% risk and a Sharpe ratio of 0.62, while an optimal mix of the same funds could hit a Sharpe of 0.77. Even a minimum-risk combo beats your Sharpe at 0.7. And a same-risk optimized mix could push expected return to 14.64% with higher risk. Translation: by just reweighting what you already own — no new toys required — you could get more bang per unit of stress.

Ongoing product costs Info

  • Amundi Stoxx Europe 600 UCITS ETF C EUR 0.07%
  • Weighted costs total (per year) 0.01%

Costs are almost suspiciously low: overall TER around 0.01% is “did you bribe the ETF provider?” territory. The Europe 600 ETF at 0.07% is still dirt cheap. Fees are one of the few things in investing you can control, and here you’ve pretty much body-slammed them into the floor. The only real roast: you’re paying tiny but real fees to hold two highly similar global ETFs when one could likely do the job. Still, complaining about this cost structure is like complaining that your Ferrari doesn’t come with free coffee. Fees are under control; the inefficiency is in structure, not pricing.

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