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The coin toss portfolio: 50/50 split between emerging markets and the whole world

Report created on Jul 18, 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 that friend who can’t decide where to eat and ends up at McDonald's every time — uninspired but broadly acceptable. Splitting 50/50 between iShares Core MSCI Emerging Markets IMI UCITS and iShares Core MSCI World UCITS ETF USD (Acc) is the investing equivalent of saying, "I want to travel the world but only if I can see it from my backyard." It's diversified, sure, but it's like wearing both a belt and suspenders; it's overly cautious and kind of misses the point of tailored investment.

Growth Info

With a CAGR of 9.36%, it's like your portfolio is jogging comfortably in the middle of the pack. Not too shabby, but when the Max Drawdown hits -33.93%, it's like tripping over a hidden root on the trail. Those 24 days that make up 90% of your returns? That's like banking all your happiness on those few vacation days instead of enjoying the whole year. It seems a bit risky for a "balanced" portfolio, doesn't it?

Projection Info

The Monte Carlo simulation is like playing roulette with your future, except with slightly better odds. A 9.85% annualized return from the simulations sounds great until you realize you're gambling on being in the 932 out of 1,000 scenarios where you don’t lose money. And aiming for that 196.7% median return? It's like planning to retire on lottery winnings. Sure, it could happen, but wouldn't you sleep better with a plan that's less of a gamble?

Asset classes Info

  • Stocks
    100%

100% stocks? That's like going to a buffet and only eating dessert. Sure, it's sweet in the short term, but where's your nutritional balance? Not a whisper of bonds, commodities, or even a sprinkle of real estate for flavor. While equities can offer great returns, diversifying across asset classes could help smooth out those stomach-churning market dips and provide a more balanced nutritional value for your portfolio's health.

Sectors Info

  • Technology
    25%
  • Financials
    19%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

This portfolio's sector allocation reads like a teenager's diet: heavy on tech and financial services, with just a smidge of everything else. With 25% in technology, you're riding the Silicon Valley roller coaster — thrilling highs but potentially nauseating drops. And banking 19% on financial services? Let's hope the global economy doesn't catch a cold. A little more in industrials and healthcare might not be as exciting, but it could save you from a financial flu.

Regions Info

  • North America
    38%
  • Asia Emerging
    24%
  • Asia Developed
    16%
  • Europe Developed
    9%
  • Africa/Middle East
    5%
  • Latin America
    4%
  • Japan
    3%
  • Europe Emerging
    1%
  • Australasia
    1%

Your portfolio's geography lesson shows a strong preference for North America and a solid curiosity about Asia, but it's like you've forgotten Europe exists beyond a quick layover. With 38% in North America and a combined 40% in various parts of Asia, you're betting heavily on American tech and Asian growth. That's not bad, but adding a bit more European flair could give you a more cultured and resilient investment experience.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    2%

Mega-caps and big-caps dominate this portfolio like giants in a playground, making up a whopping 81%. It's like relying solely on the school's biggest kids for your dodgeball team — powerful, but not very agile. Diversifying with more mid-caps (16%) and even a pinch of small-caps (2%) could add some much-needed agility and growth potential, making your team more versatile and possibly more successful in the long run.

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 optimal portfolio hinting at an 11.39% return for the same risk level is like finding out there's a shortcut to your destination after you've taken the long way around. It's great to know it's there, but a tad frustrating that you're not already on it. Consider this a nudge to explore the road less traveled; tweaking your asset allocation could bring you closer to your goals with a smoother ride.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares Core MSCI World UCITS ETF USD (Acc) 0.20%
  • Weighted costs total (per year) 0.19%

With total TER at 0.19%, at least you're not throwing money away on fees. It's like finding a cheap, reliable car that gets good gas mileage — it may not be flashy, but it gets the job done without costing an arm and a leg. This is one area where you've made a savvy choice, keeping more of your hard-earned cash working for you rather than lining someone else's pockets.

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