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A tech-heavy portfolio cruising on the fast lane with blinders on

Report created on Aug 8, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Kicking off with a portfolio that's more single-minded than a teenager with their first crush. With 70% of your assets drooling over tech via the MSCI World Information Technology and NASDAQ 100 ETFs, it's like betting on black and red at the same time but forgetting the roulette wheel also has a green zero. The remaining 30% in a broader MSCI World ETF barely saves this from being a one-trick pony. Diversification isn't just a fancy term; it's your financial safety net.

Growth Info

Historically, this portfolio has strutted around with a CAGR (Compound Annual Growth Rate) of 15.46%, which sounds impressive until you realize it's like celebrating a home run when you started on third base. Tech has been on a tear, but past performance is as reliable as yesterday's weather forecast for tomorrow's picnic. The -25.64% max drawdown is a stark reminder that volatility isn't just a theoretical concept but a real gut punch when markets turn.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 hypothetical future scenarios, suggests you could see anywhere from a 115.1% to a 903.9% return, which sounds like planning your retirement around winning the lottery. Remember, these simulations are as good at predicting the future as your horoscope. They assume the past is a perfect guide for what's coming, ignoring the fact that markets are more unpredictable than a cat on catnip.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of your portfolio in equities, your approach to risk is like skydiving without checking your parachute. A dash of bonds or real estate could dampen the roller-coaster ride without necessarily sacrificing the theme park thrill. And sitting at 0% cash means missing out on opportunities to buy the dip, like going to a sale without your wallet.

Sectors Info

  • Technology
    57%
  • Telecommunications
    8%
  • Consumer Discretionary
    8%
  • Financials
    7%
  • Industrials
    5%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%

With 57% in technology, it's clear you're chasing the Silicon Valley dream. However, betting more than half your portfolio on one sector is like eating only dessert – it's fun until the stomachache hits. The minimal spread across other sectors feels more like an afterthought, risking a tech tantrum wiping out a good chunk of your gains.

Regions Info

  • North America
    87%
  • Europe Developed
    8%
  • Japan
    3%
  • Australasia
    1%

North America holds 87% of your portfolio, giving it the geographical diversity of a high school prom in a small town. While it's great to bank on the American dream, ignoring emerging markets and other developed regions is like refusing to try any cuisine outside of McDonald's. Global diversification can be the spice of your investment life.

Market capitalization Info

  • Mega-cap
    56%
  • Large-cap
    31%
  • Mid-cap
    13%

Your mega and big-cap obsession, with 87% of the portfolio, screams safety, but in tech, even giants can stumble. Medium caps at 13% add a bit of zest, but completely ignoring small caps is like never leaving your hometown. Diversifying across market caps can uncover hidden gems and reduce the impact of any single stock's faceplant.

Redundant positions Info

  • Xtrackers MSCI World Information Technology UCITS ETF 1C
    Xtrackers NASDAQ 100 UCITS ETF 1C
    High correlation

The high correlation between your two tech-heavy ETFs is like buying two different brands of plain white T-shirts and thinking you're diversifying your wardrobe. It's not just about owning different assets; it's about owning assets that don't all move in tandem. Mixing things up could help your portfolio stand strong when tech takes a tumble.

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.

Before you even think about optimizing, let's address the elephant in the room: your love affair with tech needs some boundaries. Diversification isn't just a fancy term your financial advisor throws around; it's the cornerstone of not watching your portfolio implode. Consider spreading your affection across different sectors and asset classes. It's about finding the right mix, not putting all your eggs in one basket, especially when that basket is as volatile as tech.

Ongoing product costs Info

  • db x-trackers MSCI World Index UCITS DR 1C 0.17%
  • Xtrackers MSCI World Information Technology UCITS ETF 1C 0.25%
  • Xtrackers NASDAQ 100 UCITS ETF 1C 0.20%
  • Weighted costs total (per year) 0.20%

Your total TER of 0.20% is surprisingly reasonable, proving even a blind squirrel finds a nut occasionally. Keeping costs low is crucial, especially when other aspects of your portfolio strategy are dialing up the risk. It's like choosing a fuel-efficient car for a road trip on the highway to hell.

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