Broad global allocation with strong diversification and a tilt to gold and bitcoin satellites

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 fits an investor who is comfortable with moderate‑to‑higher risk in pursuit of strong long‑term growth. They’re likely thinking in decades rather than years and can tolerate sizeable swings, including sharp corrections, without panicking. A person like this often prefers a globally diversified foundation but is happy to add focused tilts, such as a large quality company, small caps, and alternative assets, to express convictions. Income today is less important than compounding for the future. This type of investor accepts that holdings like bitcoin can be extremely volatile but views them as a small, intentional slice rather than the core of their wealth.

Positions

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    VWCE - IE00BK5BQT80
    50.00%
  • Berkshire Hathaway Inc
    BRYN - US0846707026
    10.00%
  • iShares MSCI World Momentum Factor UCITS
    IS3R - IE00BP3QZ825
    10.00%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    IUSN - IE00BF4RFH31
    10.00%
  • iShares Physical Gold ETC EUR
    PPFB - IE00B4ND3602
    10.00%
  • WisdomTree Physical Bitcoin EUR
    WBIT - GB00BJYDH287
    10.00%

This portfolio is built around one big global core holding, supported by a few concentrated “satellite” positions. Roughly half sits in a global stock ETF, with the rest in a mix of a single large company, factor-tilted equity funds, and two “other” assets: gold and bitcoin. Compared with a typical balanced benchmark, this setup is more growth‑oriented but still diversified by company, sector, and theme. This structure is powerful because a simple, diversified core helps manage risk, while satellites can add return potential and personal views. It could be worth checking regularly whether each satellite still deserves its size or should be trimmed if it grows too dominant over time.

Growth Info

Historically, the portfolio shows a compound annual growth rate (CAGR) of about 11.78%, meaning that, on average, €10,000 would have grown to around €30,500 over ten years if that rate persisted. Max drawdown of roughly –18.7% suggests that, in the worst historical period, a €10,000 investment temporarily dropped to about €8,130. That’s quite resilient compared with many equity‑heavy portfolios, which often see far deeper falls. This mix has rewarded staying invested and riding through volatility. Still, past performance only describes what happened in the markets that actually occurred, so it cannot guarantee similar results if future crises or booms look very different.

Projection Info

The forward projection uses a Monte Carlo analysis, which basically runs many “what if” scenarios using shuffled versions of past returns. With 1,000 simulations, about 835 ended with positive results, and the average simulated annual return was about 14.5%. The range is wide: the pessimistic 5th percentile shows a loss of around –57.7%, while the middle (50th percentile) points to more than tripling the value over the period. Monte Carlo is helpful to show the spread of possible futures, not a prediction of any single one. It’s built on historical patterns, so if future markets behave in new ways, actual outcomes can end up outside this range.

Asset classes Info

  • Stocks
    80%
  • Other
    20%
  • Cash
    0%
  • No data
    0%

The portfolio holds around 80% in stocks and 20% in “other” assets, mainly gold and bitcoin. For a profile labelled “balanced,” that equity share is on the higher side, more like a growth‑tilted balanced mix. Stocks are the main long‑term engine of wealth creation, but they also drive most of the ups and downs. Gold and bitcoin bring different behaviour: gold often acts as a partial hedge in crises, while bitcoin can swing wildly in both directions. This blend is well‑balanced in terms of growth potential and shock absorbers, but the crypto slice especially deserves regular review to check whether its size still matches comfort with big price moves.

Sectors Info

  • Financials
    22%
  • Technology
    18%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Health Care
    6%
  • Telecommunications
    6%
  • Consumer Staples
    3%
  • Basic Materials
    3%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%

Sector exposure is nicely spread: financials, technology, and industrials lead, with meaningful slices in consumer, healthcare, communication services, and smaller weights in materials, energy, real estate, and utilities. This composition is very close to common global equity benchmarks, which is a strong sign of healthy diversification across industries. A reasonably large technology and financials share can boost returns when growth and innovation are rewarded, but can feel more volatile when interest rates or regulations shift. Keeping sector exposure close to global norms, as is done here, helps avoid big bets on any single story, which is reassuring for a balanced risk profile.

Regions Info

  • North America
    56%
  • Europe Developed
    11%
  • Japan
    5%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, the portfolio tilts strongly to North America at around 56%, with Europe, Japan, and other regions adding useful diversification. This is broadly in line with global market weights, where the U.S. has been a dominant driver of returns in recent years. That alignment with global standards is a positive sign and supports the “highly diversified” label. The relatively smaller slices in emerging markets and other regions mean less exposure to faster‑growing but riskier economies, which can suit a balanced risk score. Over time, it can be useful to check whether this U.S. tilt still reflects personal views or if a slightly more global spread feels better.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    22%
  • Mid-cap
    13%
  • Small-cap
    5%
  • Micro-cap
    1%

By market capitalization, the mix leans clearly toward mega and large companies, with smaller portions in mid, small, and micro caps. This is typical for global index‑style investing and aligns well with many benchmarks. Bigger companies tend to be more stable, better researched, and often less volatile, which fits a balanced profile. The added small‑cap exposure through a dedicated fund brings extra growth potential and diversification, since smaller companies can behave differently over cycles. However, small caps can also underperform for long stretches. Keeping a moderate small‑cap slice, as is done here, gives a useful tilt without letting this more volatile segment dominate portfolio behaviour.

Ongoing product costs Info

  • iShares MSCI World Momentum Factor UCITS 0.30%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Weighted costs total (per year) 0.16%

Costs are impressively low, with an overall total expense ratio (TER) of about 0.16%. This is well below what many actively managed portfolios charge and supports better long‑term performance, because every 0.1% saved annually compounds over the years. The slightly higher TERs for the factor and small‑cap funds are normal for those strategies and still quite competitive. Keeping the core allocation in a low‑cost global ETF while only paying a bit more for targeted satellites is a very efficient structure. Periodically checking whether any fund’s fees drift up, or if cheaper equivalents appear, can help maintain this cost advantage without changing the overall strategy.

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.

Efficient Frontier analysis looks at the best possible trade‑off between risk and return using the current building blocks. “Efficient” here simply means getting the maximum expected return for a given level of volatility, not necessarily maximizing diversification or avoiding drawdowns. The findings suggest that, with the same risk level, a different mix of these existing holdings could push expected returns higher, and the mathematically “optimal” blend delivers about 19.6% expected return at around 11% risk. This doesn’t mean the current setup is bad—far from it—but there may be room to tweak weights, especially among the satellites, if the goal is squeezing out the best risk‑return ratio.

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