This portfolio has only about 1.2 years 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.
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A portfolio that confuses diversification with duplication and thinks Japan is the center of the world

Report created on Aug 22, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is like a buffet where you keep going back for the same dishes, thinking you're trying something new each time. With over half of it sunk into two nearly identical global ETFs and a hefty side of Japan, it's like insisting on having sushi at an Italian restaurant. The attempt at diversification is admirable, but when 32% and 25.6% of your portfolio are in Vanguard and UBS ETFs tracking the world, you're not diversifying; you're just doubling down on the same bet with different names.

Growth Info

Historically, this portfolio has strutted around with a CAGR of 10.95%, which isn't too shabby until you realize that four days are doing all the heavy lifting. It's like being proud of a marathon you finished because of a few sprints. The max drawdown of -19.21% should also give pause. That's not just a dip; it's a dive deep enough to require decompression stops on the way back up.

Projection Info

Monte Carlo simulations suggest a wild ride from "I'm buying a yacht" to "I hope I like ramen" levels of outcome variability. With projections ranging drastically, it's like forecasting the weather by looking at the sky; sure, you might guess right, but it's not a strategy. Highly correlated assets mean in a downturn, this portfolio might as well be a single stock in a bear market.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of the portfolio in equities, it's like going all-in on red because it's your favorite color. Not a single bond, ounce of gold, or whisper of real estate in sight for balance. This isn't diversification; it's a dare. Asset allocation isn't just about spreading bets across the table; it's about not betting the house on a single roll.

Sectors Info

  • Technology
    22%
  • Financials
    18%
  • Industrials
    14%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation reads like a who's who of the stock market, with a heavy tilt towards technology and financial services. It's akin to loading up on dessert and calling it a balanced meal because you have fruit and chocolate. The overexposure to cyclical sectors could turn this portfolio into a pumpkin if the market's carriage turns at midnight.

Regions Info

  • North America
    47%
  • Japan
    27%
  • Europe Developed
    17%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%

With nearly three-quarters of the portfolio in North America and Japan, it's clear there's a fear of leaving home. Europe gets a polite nod, while emerging markets are treated like distant relatives you avoid at family gatherings. This geographic allocation is like planning a world tour and only visiting places where you speak the language.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    35%
  • Mid-cap
    16%

The obsession with mega and big caps suggests a safety-first approach, akin to swimming with floaties in the shallow end. While large companies offer stability, ignoring small and micro caps is like refusing to add spices to your cooking — it's safe, but you're missing out on some flavors.

Redundant positions Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    UBS (Irl) ETF plc - MSCI World UCITS ETF (USD) A-acc
    Amundi Prime All Country World UCITS ETF Acc EUR
    High correlation

The portfolio's correlation conundrum is like buying three types of vanilla ice cream and expecting different flavors. These highly correlated assets don't just walk into a bar together; they're conjoined triplets, reducing the so-called diversification to a mere illusion.

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 idea of optimization is like trying to lose weight by wearing black. Sure, it might look slimmer at a glance, but the underlying issues remain unaddressed. Removing overlapping assets and introducing actual diversification would be a good start. Efficiency isn't just about cutting costs; it's about getting the most bang for your buck, risk-adjusted.

Ongoing product costs Info

  • UBS (Irl) ETF plc - MSCI World UCITS ETF (USD) A-acc 0.10%
  • Vanguard FTSE Japan UCITS ETF EUR Hedged Accumulation 0.20%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Weighted costs total (per year) 0.14%

On the bright side, the total expense ratio (TER) of 0.14% is like finding a luxury car with economy pricing. It's a rare moment of efficiency in a portfolio that seems to confuse duplication for diversification. Low costs are great, but when your strategy is as coherent as a toddler's explanation of quantum physics, it's a small consolation.

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