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Hidden slot machine dressed up as a diversified grown up portfolio

Report created on Apr 25, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio looks like it started as a sensible ETF core and then took a hard left into “stock picking for fun.” Roughly half the money sits in broad funds and factor products, which is textbook boring in a good way. Then a single mid-cap stock quietly hijacks three quarters of the total risk budget like it owns the place. On paper, the mix screams “highly diversified”; under the hood, it’s more “a handful of serious bets surrounded by wallpaper.” Diversification is about where risk lives, not just how many line items appear on a statement. Here, one name calls the shots while everyone else mostly provides background music.

Growth Info

The recent performance looks impressively shiny: €1,000 turning into €1,471 in under three years and a CAGR of 18.33% is nothing to sneer at. Then the benchmarks stroll in and casually remind this portfolio it’s not the main character: both the US and global markets did roughly 3.3%–3.4% better per year. Max drawdown of -14.45% is actually milder than the benchmarks, but it’s still unrecovered, so the chart ends on a slightly sulky note. And 90% of the gains arriving in just six days? That’s “hope you didn’t blink” territory. Past returns here are flattering but clearly not flawless hero material.

Projection Info

The Monte Carlo projection basically says, “Expect okay, hope for good, prepare for meh.” Monte Carlo is just a fancy way of rolling digital dice a thousand times to see where a €1,000 road trip might end. Median outcome of €2,453 in 15 years is nice but hardly fireworks, with a 75% chance of being ahead at all. The range from about €1,153 to €4,914 shows that this setup can deliver anything from “mildly disappointing” to “pleasantly surprising.” The simulated 6.49% annual return is way less glamorous than the recent 18% CAGR, which is a reminder that yesterday’s party doesn’t guarantee tomorrow’s playlist.

Asset classes Info

  • Stocks
    48%
  • Bonds
    30%
  • No data
    11%
  • Other
    5%
  • Crypto
    5%

Asset class mix: 48% stocks, 30% bonds, 5% crypto, 5% other, and a mysterious 11% in “no data.” So about half the portfolio wants growth, a third wants safety, and a sliver wants to moon or crash for fun. That moderate stock–bond split would look almost conservative for a 5/7 risk score if it weren’t for the crypto and the single-stock landmines. Asset allocation is supposed to be the adult in the room that sets the overall mood; here it’s doing a reasonable job, but the wildcards in the equity and crypto buckets make the headline mix look calmer than the actual ride.

Sectors Info

  • Technology
    15%
  • No data
    11%
  • Crypto
    5%
  • Industrials
    5%
  • Financials
    4%
  • Telecommunications
    3%
  • Consumer Discretionary
    2%
  • Basic Materials
    2%
  • Health Care
    2%
  • Consumer Staples
    1%
  • Energy
    1%
  • Utilities
    1%

This breakdown covers the equity portion of your portfolio only.

Sector spread pretends to be diversified, but the vibe is “technology plus supporting cast.” Tech at 15% is the loudest voice, with everything else trailing in low single digits. Crypto gets its own 5% slice, just to remind everyone that volatility can also come from stuff that isn’t even a company. The long tail across industrials, financials, telecoms, and assorted others looks respectable but not exactly decisive. Sector allocation here feels like it was built by ticking lots of boxes to avoid obvious gaps rather than having any clear conviction about what actually drives returns. It’s diversified, just not meaningfully pointed.

Regions Info

  • North America
    21%
  • Europe Developed
    10%
  • No data
    6%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this portfolio is having an identity crisis. North America at 21% is the default boss, but Europe Developed at only 10% is oddly modest for a European investor base. Then it sprinkles Japan, developed Asia, and emerging Asia in tiny doses like seasoning rather than real exposure. Latin America barely registers at 1%, more token than tilt. Meanwhile, 6% sits in “no data,” which could be anywhere or nowhere as far as this breakdown cares. The result is global-ish rather than truly global — enough spread to look worldly, but with no region clearly driving the story except the usual North American heavyweight.

Market capitalization Info

  • Large-cap
    18%
  • Mega-cap
    18%
  • No data
    10%
  • Mid-cap
    4%
  • Small-cap
    1%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is heavily camped in the grown-ups’ table: 18% large-cap and 18% mega-cap dominate, while mid-cap, small-cap, and micro-cap barely show up. That’s pretty typical for ETF-heavy portfolios, but here it creates a strange contrast with the presence of a few individual niche names that punch way above their size in risk terms. In other words, the official stats say “sensible big-company focus,” while the actual volatility is partly outsourced to smaller, spicier players. Market cap allocation looks boring in the summary, but the lived experience is more like a blue-chip concert with surprise mosh pits sprinkled in.

True holdings Info

  • Krka d.d.
    5.06%
  • Novo Nordisk A/S Class B
    5.06%
  • NVIDIA Corporation
    2.12%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
    • iShares MSCI World Momentum Factor UCITS
  • Apple Inc
    1.68%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
  • Invinity Energy Systems PLC
    1.27%
  • Tharisa plc
    1.27%
  • Sociedad Química y Minera de Chile S.A.
    1.27%
  • Microsoft Corporation
    1.22%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.84%
    Part of fund(s):
    • iShares MSCI EM Asia UCITS ETF
  • Broadcom Inc
    0.77%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares MSCI World Momentum Factor UCITS
  • Top 10 total 20.56%

This breakdown covers the equity portion of your portfolio only.

The look-through holdings scream one thing loudest: Krka is the main character. It’s 5.06% outright and barely duplicated in ETFs, so that risk is pure, unfiltered single-stock action. Novo Nordisk also sits at 5.06%, but with no visible ETF overlap in the top-10 data, so the real exposure might be higher than advertised. The big global names — NVIDIA, Apple, Microsoft, TSMC, Broadcom — show up in reasonable ETF doses, which is standard index baggage. Overlap coverage is thin at only 28%, so the hidden duplication is probably worse than it looks. The portfolio pretends to be a symphony; in reality, a few soloists are yelling into the microphone.

Risk contribution Info

  • Krka d.d.
    Weight: 5.06%
    76.3%
  • Xtrackers MSCI World Information Technology UCITS ETF 1C
    Weight: 5.06%
    2.6%
  • SPDR S&P 500 UCITS ETF USD Acc
    Weight: 7.60%
    2.5%
  • Ethereum
    Weight: 2.53%
    2.3%
  • iShares MSCI World Momentum Factor UCITS
    Weight: 5.06%
    2.1%
  • Top 5 risk contribution 85.8%

Risk contribution is where the mask fully slips: Krka, at 5.06% weight, contributes a hilarious 76.34% of total portfolio risk. That’s not a holding; that’s a boss battle. Risk/weight of 15x means this one position is basically the volatility engine, while everything else is just along for the ride. Ethereum, with only 2.53% weight and 2.25% risk contribution, is weirdly restrained by comparison. When the top three holdings carry over 81% of the risk, this is no longer a diversified portfolio — it’s a Krka-centric thesis with a diversified support group. The published risk score of 5/7 massively understates how binary this setup could feel if that main bet misbehaves.

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.

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The efficient frontier chart is basically screaming: “You’re leaving a lot on the table.” At the same risk level, the current portfolio sits a chunky 18.63 percentage points below the line of best possible outcomes using the same ingredients. Sharpe ratio of 1.47 vs a potential 3.18 is like driving a sports car in first gear on the motorway. Risk is running at 17.07%, but there’s a mathematically better way to arrange the existing holdings for higher return and lower bumpiness. This isn’t about needing new products; it’s about the current mix being objectively inefficient. The portfolio works, but it’s working noticeably harder than it needs to for what it’s delivering.

Ongoing product costs Info

  • iShares MSCI EM Asia UCITS ETF 0.20%
  • Invesco Euro Government Bond 1-3 Year UCITS ETF 0.10%
  • iShares Inflation Linked Government Bond UCITS 0.09%
  • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR 0.30%
  • iShares MSCI World Momentum Factor UCITS 0.30%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • Xtrackers MSCI World Information Technology UCITS ETF 1C 0.25%
  • Xtrackers Stoxx Europe 600 UCITS ETF 0.20%
  • iShares Physical Gold ETC 0.25%
  • Xtrackers MSCI Japan UCITS ETF 1C 0.12%
  • Amundi Euro Government Bond 3-5Y UCITS ETF Acc EUR 0.16%
  • Multi Units Luxembourg - Lyxor EuroMTS 5-7Y Investment Grade (DR) UCITS ETF 0.16%
  • Weighted costs total (per year) 0.13%

Costs are the one area where this portfolio doesn’t embarrass itself. A total TER of 0.13% is impressively low for something this busy, especially with multiple factor ETFs and regional slices. It’s like accidentally stumbling into a cheap buffet while ordering a fairly complicated plate. Individual ETF fees in the 0.09%–0.30% range are very reasonable for what they are. The only mild criticism: you’re paying for complexity without fully reaping the benefits in terms of risk/return efficiency. So yes, fees are under control — the main waste here isn’t money going to providers, it’s the way the holdings are arranged to underuse what you’re already paying for.

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