Almost index fund minimalism with a random utilities side quest thrown in for no clear reason
Report created on Mar 25, 2026Risk 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.
Positions
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VW Vanguard FTSE All-World UCITS ETF USD Accumulation
VWCE - IE00BK5BQT80 85.00% -
WU SPDR® MSCI World Utilities UCITS ETF USD Acc
WUTI - IE00BYTRRH56 9.00% -
EU iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
EUNA - IE00BDBRDM35 6.00%
Structurally this thing is 85% “I gave up and bought the world” with a 9% cosplay as a utilities specialist and a token 6% in bonds, presumably to convince the risk questionnaire you’re “balanced.” It’s basically a global index portfolio that stopped halfway and said, “You know what this needs? A weird utilities tilt.” From a design point of view, it’s clean but slightly incoherent: either be a pure global tracker or embrace tilts with intent. The big picture takeaway: you’re 90% of the way to a beautifully boring core portfolio, then you taped a niche ETF on the side like a decorative spoiler.
Growth
Performance-wise, you’ve done very solidly but not spectacularly. A CAGR of 11.1% since 2019 is nothing to cry about, but the US market did about 13.4% and the global market snuck ahead too. So you basically hugged the global index and then… underperformed the US rocket ship, which is exactly what a sensible diversified portfolio is supposed to do. Max drawdown at -31.9% versus roughly -33% for the benchmarks is marginally gentler, but not exactly a feather bed. Past returns are like old weather reports: useful context, zero guarantees. Still, the takeaway is clear: you signed up for grown‑up diversification and got grown‑up, slightly-less-explosive returns.
Projection
The Monte Carlo projection basically says, “You’ll probably be fine, but don’t get cocky.” Monte Carlo is just fancy dice-rolling using past return and volatility patterns to generate thousands of possible futures. Median outcome: +139% over 10 years. Nice. Worst 5%: a sad little +4.4% total — that’s a lost decade in real terms once inflation joins the party. Around 962 out of 1,000 simulations end positive, so the odds aren’t insulting, but again, that’s based on history behaving itself. Think of it as a weather model: helpful for packing your suitcase, terrible as a guarantee you won’t get soaked.
Asset classes
- Stocks 94%
- Bonds 6%
Asset allocation is 94% stocks and a token 6% bonds, which is “balanced” in the same way a pizza with one basil leaf is “salad.” For a risk score of 4/7, this is pretty punchy: you’re basically running an equity engine with a tiny bond airbag that will barely dent the crash impact. The bond piece contributing just 0.08% of risk tells you it’s mostly cosmetic from a volatility perspective. Takeaway: this is an equity-led portfolio with a very thin safety net, more suitable for people who can sit through big swings without rage-checking their account every day.
Sectors
- Technology 22%
- Financials 14%
- Utilities 11%
- Industrials 10%
- Consumer Discretionary 8%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 3%
- Real Estate 2%
Sector-wise, you’ve got a serious tech habit at 22%, with financials at 14% and a surprisingly chunky 11% in utilities thanks to that side-quest ETF. This mix screams, “I want growth, but also please tuck me in at night.” Tech + mega-caps drive the party, while utilities try to hold your drink during volatility. The risk is you’ve added sector tilt without a very clear story: if utilities underperform for a decade (totally possible), that 9% bet just quietly drags. Sector tilts should either be intentional conviction moves or not exist; right now this looks more like “found a random ETF and liked the name.”
Regions
- North America 59%
- Europe Developed 16%
- Japan 6%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is basically “US first, everyone else gets leftovers.” Around 59% in North America, then a sprinkling of Europe, Japan, and bits of Asia and emerging markets. It’s actually fairly standard for global indexes, so nothing outrageous, but don’t pretend this is some perfectly even world representation. You’re heavily tied to how the US and a handful of large developed economies behave. The upside: you’ve hit the main engines of global capitalism. The downside: if US large caps finally take a long nap, you’re not exactly powered by the rest of the map. Sensible, yes. Original, not remotely.
Market capitalization
- Mega-cap 43%
- Large-cap 33%
- Mid-cap 18%
Market cap allocation is mega 43%, big 33%, medium 18%, and apparently small caps have been exiled from the kingdom. You’re heavily tied to the giants, which is normal for index-based portfolios but still means one thing: when megacaps work, you look smart; when they don’t, you just sit there holding the bag. This is basically buying the winners of the last decade and hoping they’re also the winners of the next one. Not insane, just uncreative. If you ever want more growth potential (and more pain), you’d need smaller companies; as it stands, you’re on the diet of the global default.
True holdings
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NV NVIDIA Corporation 3.59%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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AA Apple Inc 3.33%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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MS Microsoft Corporation 2.52%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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AM Amazon.com Inc 1.74%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class A 1.57%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.34%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AV Broadcom Inc 1.28%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class C 1.27%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
ME Meta Platforms Inc. 1.22%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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TS Tesla Inc 0.98%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Top 10 total 18.84%
The look-through shows the usual suspects holding your portfolio hostage: NVIDIA, Apple, Microsoft, Amazon, Alphabet, TSMC, Broadcom, Meta, Tesla. So despite the brave “globally diversified” badge, you’re still worshipping at the altar of the mega-cap tech complex via ETFs. Overlap is probably worse than it looks, since we’re only seeing top-10 holdings. Translation: when those big names sneeze, your portfolio catches a cold, twice. Hidden concentration like this is the investment version of thinking you ordered different dishes but everything arrives with the same sauce. If you want true diversification, you eventually need more than just multiple wrappers holding the same giants.
Factors
Factor exposure here is unintentionally spicy. You’re tilted to momentum (51.5%), low volatility (58%), and size (20%), based on partial coverage. Factors are like the hidden flavors: momentum = what’s been working, low vol = the “boring but steady” stuff, size = tilt away from the absolute biggest monsters. Combined, you’re saying: “I like winners, but I’d prefer if they didn’t try to kill me.” The catch is coverage is patchy, so we’re drawing conclusions from incomplete X-rays. Still, leaning into momentum without a strong quality read can be like dating whoever’s most popular without checking if they’re a trainwreck. Works great until it doesn’t.
Risk contribution
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Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 85.00% 93.2% -
SPDR® MSCI World Utilities UCITS ETF USD Acc
Weight: 9.00% 6.7% -
iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
Weight: 6.00% 0.1%
Risk contribution is where the mask fully slips: your 85% Vanguard world ETF is contributing over 93% of portfolio risk. Utilities at 9% only add about 6.7% of risk, and bonds at 6% might as well be asleep at 0.08%. So this is really a one-ETF show with two side characters who barely affect the plot. Risk contribution just measures who’s actually shaking the portfolio around, not who looks big on the pie chart. Takeaway: if something ever goes wrong, it won’t be the bonds or utilities you blame — they’re passengers. All meaningful drama lives inside that one global equity ETF.
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 risk–return chart, you’re sitting right on the efficient frontier, which is annoyingly competent. The Efficient Frontier is just the curve showing the best expected return for every risk level with your existing ingredients. Your Sharpe ratio of 0.61 is decent, while an optimized mix of the same stuff gets to 0.70 and a slightly higher return. Same-risk optimization could nudge expected return up to about 11.9% with higher volatility, so there’s some juice left if you ever want to tweak. Translation: the ingredients are fine, but the recipe could be mildly upgraded. Still, being on the frontier already puts this ahead of most random ETF Franken-portfolios.
Ongoing product costs
- iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) 0.10%
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- SPDR® MSCI World Utilities UCITS ETF USD Acc 0.30%
- Weighted costs total (per year) 0.19%
Costs are almost offensively reasonable, with a total TER at about 0.19%. That’s “you actually read the factsheet” territory. The global equity ETF is cheap, the bond ETF is cheaper, and even the slightly pricier utilities slice doesn’t ruin the average. Fees are like slow termites: invisible yearly, devastating over decades. Here, the termites are half-asleep. The only mild roast: paying extra for a niche utilities ETF when your main holding already includes utilities is like ordering a side of bread with your sandwich. It’s not going to bankrupt you, but it’s not exactly an efficient splurge.
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