Roast mode 🔥

All in on stocks with a tech crush and a hope that history keeps repeating itself

Report created on May 22, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is the IKEA starter kit of global equities: three funds, all stocks, mostly one giant bet on the S&P 500. Seventy percent in a single US large-cap index, plus a side dish of emerging markets and a token Europe slice, is less “balanced” and more “US plus accessories.” It looks simple and clean, but simplicity here means the same risk engine doing most of the work. When one region or style drives the bus, everything else is just there to make the pie chart look diversified. The structure screams “set and forget,” but it also quietly says “hope the US leadership story doesn’t flip.”

Growth Info

Historically, this thing has been riding a rocket. A €1,000 investment turning into €1,654 in under three years with a 21.73% CAGR is elite territory. CAGR, by the way, is just the smoothed annual growth rate — like averaging your speed over a very bumpy road trip. You even slightly beat both the US and global benchmarks, though not by much, so let’s not start engraving trophies. Max drawdown at -21.67% shows this “balanced” portfolio happily drops like a pure equity fund, because, well, it is one. And needing just 21 days for 90% of returns means timing mistakes would have hurt a lot.

Projection Info

The Monte Carlo projection is where the spreadsheet stops flirting and gets honest. Monte Carlo is basically a thousand “what if the market behaves like this” simulations, based on past volatility and return patterns. Median outcome of €2,689 after 15 years sounds nice until you notice the 5–95% range: anywhere from roughly flat at €959 to a spicy €7,391. That’s the price of a 100% equity diet. Past data is yesterday’s weather — useful, but no guarantee tomorrow doesn’t show up with a hurricane. This portfolio is firmly in the “could be great, could be humbling” camp.

Asset classes Info

  • Stocks
    100%

Asset classes: there are none. It’s 100% stocks, zero bonds, zero cash, zero anything else. Calling this “balanced” is generous; it’s more like ordering a mixed meal and getting a giant bucket of fried chicken only. All the risk knobs are turned to “equity.” When stocks are partying, that feels smart. When they’re not, there’s nothing in the structure designed to soften the blow. Over long horizons, pure equity can be fine, but it’s brutally honest about its priorities: growth at all costs, stability be damned. If there’s balance here, it’s certainly not coming from asset class design.

Sectors Info

  • Technology
    33%
  • Financials
    14%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, this portfolio is clearly obsessed with technology at 33% and then sort of remembers other parts of the economy exist. Financials, consumer, telecoms, industrials, healthcare — they’re all invited but seated at the kids’ table. This is what happens when big index trackers quietly become tech-heavy without calling themselves “tech funds.” You’re basically running a growth-tilted equity portfolio while pretending it’s just “the market.” If tech leadership keeps winning, no problem. If not, a third of the risk budget is chained to one style of business model that can fall out of fashion quickly.

Regions Info

  • North America
    70%
  • Europe Developed
    10%
  • Asia Developed
    9%
  • Asia Emerging
    7%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, this is “America and friends.” North America at 70% dominates everything, with Europe at 10% and a smattering of Asia and emerging markets making up the rest. For a European investor, that’s a pretty loud vote of no confidence in the home region. This isn’t a global balance; it’s a US core with international garnish. That’s fine when US megacaps keep smashing earnings, but if leadership rotates elsewhere, the portfolio will be late to the story by design. It’s global enough to sound diversified, but heavily biased enough to move like a US-led vehicle.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    1%

On market cap, this portfolio clearly believes only the giants matter. With 49% in mega-caps and another 33% in large-caps, mid-caps and small-caps are basically a rounding error. That means the portfolio is tightly tethered to how the world’s biggest companies perform and largely shrugs at up-and-coming firms. It’s like a music playlist with only stadium headliners, no new bands. When mega-caps crush it, you look smart. When leadership rotates into smaller names, you’re mostly watching from the stands instead of playing on the field.

True holdings Info

  • NVIDIA Corporation
    5.47%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Apple Inc
    4.50%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Microsoft Corporation
    3.42%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Amazon.com Inc
    2.92%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class A
    2.53%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.46%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Broadcom Inc
    2.23%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class C
    2.02%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Meta Platforms Inc.
    1.51%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Tesla Inc
    1.21%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Top 10 total 28.26%

Look-through holdings reveal the not-so-hidden crush: NVIDIA, Apple, Microsoft, Amazon, Alphabet, TSMC, Broadcom, Meta, Tesla. This is the usual “Magnificent Everything” club on repeat. Since these names appear across the main ETFs, the actual concentration in those few tech and growth behemoths is higher than it looks from the fund list alone, and that’s with only top-10 data. Overlap here means that if one of these giants sneezes, the whole portfolio catches a cold. The portfolio pretends to be diversified via ETFs, but under the hood it’s worshipping the same small group of megacaps.

Risk contribution Info

  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 70.00%
    73.7%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 20.00%
    19.0%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc)
    Weight: 10.00%
    7.3%

Risk contribution makes the power dynamics obvious. The S&P 500 fund is 70% of the weight but 73.69% of the portfolio’s total risk. That’s the main character; everything else is a supporting extra. Emerging markets take 20% weight and 19.01% of risk, while Europe is a modest 10% weight but only 7.31% of risk. In other words, the part that looks like diversification is actually the quiet one not moving the needle much. Risk contribution is basically asking: “Who’s actually shaking the portfolio?” Here, it’s clearly one big US engine with two smaller, less chaotic sidecars.

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.

On the efficient frontier, this portfolio actually behaves itself. The Sharpe ratio of 1.23 versus a max of 1.48 and a min-variance Sharpe of 1.41 suggests the current mix is pretty efficient given the chosen ingredients. Sharpe, by the way, is just “return per unit of risk” after accounting for a risk-free rate — bang for your volatility buck. The optimizer says you’re basically on or right next to the curve, meaning you’re not leaving big risk/return upgrades on the table with these three funds. For something this blunt and concentrated, it’s annoyingly competent.

Ongoing product costs Info

  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.12%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • State Street SPDR S&P 500 UCITS ETF (Acc) 0.03%
  • Weighted costs total (per year) 0.07%

Costs are where this portfolio accidentally looks like it knows exactly what it’s doing. A total TER of 0.07% is impressively low — basically pocket lint for access to broad global equity exposure. It’s the financial equivalent of somehow landing business-class comfort at budget-airline prices. Low costs don’t save a portfolio from concentration risk or equity volatility, but they at least avoid the slow bleed of paying extra for the same indexes. If something goes wrong here, it won’t be because fees ate your lunch. The market will just take it directly.

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