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A portfolio that's nearly all in on stocks with a tech-heavy, US-biased comfort blanket

Report created on Nov 4, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Diving into this portfolio is like finding out your "broadly diversified" meal is 80% pasta with a side of more carbs. With a staggering 80% in Vanguard FTSE All-World UCITS ETF and 20% in Xtrackers NASDAQ 100 UCITS ETF, it's like you're trying to cover the globe but ended up with a U.S. and tech-heavy blanket instead. This isn't diversification; it's putting nearly all your eggs in one basket and then watching that basket very, very closely.

Growth Info

With a historic CAGR of 13.40%, you might be feeling pretty smug. But let's not forget that past performance is like relying on yesterday's weather forecast to plan a picnic next week. The max drawdown of -22.36% should serve as a gentle reminder that the ride can get rough. And those 22 days that make up 90% of returns? That's like your entire financial future hanging on a few random good hair days.

Projection Info

Monte Carlo simulations might sound like a fancy gambling strategy, but they're actually a way to predict your portfolio's future by making thousands of educated guesses. Your results, showing a median increase of 616.9%, are impressive but take it with a grain of salt. Predicting the stock market is like trying to guess the next big TikTok trend — fun to try, but don't bet the farm on it.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of your portfolio in equities, you're riding the high-risk, high-reward wave. This is financial skydiving without a parachute made of bonds or real estate. Sure, it's thrilling when the market's up, but there's nothing to cushion the fall when it inevitably drops.

Sectors Info

  • Technology
    33%
  • Financials
    14%
  • Consumer Discretionary
    11%
  • Telecommunications
    11%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

Your portfolio has a 33% technology sector tilt, which is like having a diet consisting mostly of sugar — great for a quick energy boost but potentially disastrous in the long term. The financial services and consumer cyclicals are your veggies here, but it's clear tech is your dessert, main course, and possibly your drink too.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 72% in North America, your portfolio screams "America First" louder than a political rally. The token nods to Europe, Asia, and the smattering across other regions feel like afterthoughts. It's like planning a world tour but spending most of your time in the airport lounge of your home country.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    34%
  • Mid-cap
    16%

Your love affair with mega and big caps is like only watching blockbuster movies and ignoring indie films. Sure, you get the spectacle and the safety of big names, but you're missing out on the growth potential and excitement that smaller companies can offer. With 0% in small and micro caps, you're playing it safe — maybe too safe.

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.

Your portfolio's risk-return profile might seem optimized to you, but it's more like you've optimized for a specific, narrow path. The Efficient Frontier is about finding the best risk-return balance, and right now, you're leaning heavily into "risk" without a safety net. It's like trying to optimize your car's speed by removing the brakes.

Ongoing product costs Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Xtrackers NASDAQ 100 UCITS ETF 1C 0.20%
  • Weighted costs total (per year) 0.19%

Congratulations, you've managed to keep costs low, with a total TER of 0.19%. It's one of the few areas where you've shown restraint. It's like going on a shopping spree but somehow only buying items on sale. Still, when the rest of the portfolio strategy is akin to a roller coaster ride, low fees are a small consolation.

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