A well-diversified portfolio focusing on large-cap stocks with a balanced risk profile

Report created on Oct 29, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards the Vanguard S&P 500 UCITS Acc ETF, making up over three-quarters of the portfolio. This ETF tracks the S&P 500, providing broad exposure to large-cap U.S. equities. The remaining allocations are spread across emerging markets, small-cap worldwide stocks, and European equities, aiming to enhance diversification. The concentration in the S&P 500 ETF suggests a strong bias towards U.S. equities and large-cap stocks, which might limit exposure to potential growth in other regions and market segments.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.36%, with a notable maximum drawdown of -34.10%. These figures indicate a strong performance, albeit with significant volatility. The days that make up 90% of returns being limited to 20 suggests that the portfolio's gains are highly concentrated in specific periods, highlighting the importance of staying invested through market cycles for achieving the noted returns.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential future performances for this portfolio. With 966 out of 1,000 simulations showing positive returns, the median projected increase is substantial. However, it's crucial to remember that these projections are not guarantees but rather possible outcomes based on past trends. The actual future performance could vary, especially due to unforeseen market changes.

Asset classes Info

  • Stocks
    100%

The portfolio is exclusively invested in stocks, which aligns with a growth-oriented strategy but carries higher volatility compared to portfolios that include bonds or other asset classes. This singular focus on equities suggests a higher risk tolerance but might not be suitable for all investors, particularly those nearing retirement or with lower risk tolerance. Diversifying across different asset classes could help mitigate risk and smooth out returns over time.

Sectors Info

  • Technology
    31%
  • Financials
    15%
  • Consumer Discretionary
    11%
  • Industrials
    9%
  • Telecommunications
    9%
  • Health Care
    9%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

The sectoral allocation is heavily tilted towards technology, financial services, and consumer cyclicals, which are sectors known for their growth potential but also for their volatility. This concentration could lead to significant fluctuations in portfolio value, especially during market downturns affecting these sectors disproportionately. Diversifying more evenly across sectors could reduce volatility and protect against sector-specific downturns.

Regions Info

  • North America
    82%
  • Europe Developed
    8%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Japan
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 82% of assets in North America, primarily in the U.S., the portfolio is significantly exposed to the performance of the U.S. market. While this focus has historically offered strong returns, it also increases vulnerability to regional economic and political events. Expanding geographic diversification, especially into developed and emerging markets outside of the U.S., could offer additional growth opportunities and reduce risk.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    31%
  • Mid-cap
    19%
  • Small-cap
    5%
  • Micro-cap
    1%

The portfolio's emphasis on mega and big-cap stocks (75% combined) aligns with a more conservative growth strategy, favoring established companies. However, the relatively small allocation to small and micro-cap stocks (6% combined) may limit exposure to higher-growth potential segments. Increasing the allocation to smaller companies could enhance growth prospects but would also increase volatility.

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.

Based on the Efficient Frontier theory, which aims to maximize returns for a given level of risk, there may be room to optimize the portfolio further. The current allocation suggests a good balance between risk and return, but adjustments could potentially offer a better risk-return ratio. This might involve rebalancing towards assets with lower correlation or adjusting sector and geographic exposures to enhance diversification and reduce volatility.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • Amundi Stoxx Europe 600 UCITS ETF C EUR 0.07%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Weighted costs total (per year) 0.10%

The portfolio's total expense ratio (TER) is impressively low at 0.10%, which is beneficial for long-term growth as lower costs directly translate to higher net returns. The individual ETFs have been chosen with cost efficiency in mind, which is commendable. Maintaining a focus on keeping costs low is crucial, especially in a low-yield environment where every basis point counts towards net performance.

What next?

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey