Roast mode 🔥

Surprisingly spicy for a cautious portfolio that secretly behaves like an adventurous stock junkie

Report created on May 12, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is introduced as “cautious” but then shows up dressed as a 96% equity brawler with a gold trinket on the side. Almost 40% is dumped into one global equity ETF, and then the rest is a mix of extra regional funds and hand‑picked stocks layered on top. It’s like buying a full meal and then ordering the same ingredients à la carte for fun. Structurally, it’s mostly one big world tracker plus a set of conviction bets trying to justify their existence. The result is less “balanced and thoughtful” and more “global index with a personality disorder and a hero complex.”

Growth Info

Historically, this thing has done the classic “looks cautious on paper, parties hard in practice” routine. A €1,000 stake turning into €1,778 is a solid outcome, with a 12.61% CAGR that basically hugs the US market and beats the global market. Max drawdown of -18.48% is not outrageous for an equity-heavy setup, but it’s rich for a risk score of 3/7 pretending to be calm. Past performance is like a highlight reel: fun to watch, dangerous to assume it repeats. The portfolio has ridden the same big equity wave as the benchmarks, just with slightly less drama and slightly more attitude.

Projection Info

The Monte Carlo projection says, “Most of the time this should work out, but don’t get too cocky.” Monte Carlo is basically running thousands of what‑if timelines to see how often things blow up or go great. Median outcome of €2,881 from €1,000 over 15 years is decent, but the range from €969 to €7,561 screams uncertainty. That lower bound flirting with capital loss shows this “cautious” badge is mostly cosmetic. Simulations are just fancy weather forecasts using yesterday’s climate: informative, not prophetic. This portfolio is clearly wired for growth, but the ride could absolutely punch harder than the label suggests.

Asset classes Info

  • Stocks
    96%
  • Other
    3%

Asset class breakdown is hilariously simple: 96% stocks, 3% “other,” which is basically gold trying to look important. For something labeled cautious, this is a full send into equities with a token shiny object for moral support. A genuinely cautious mix would at least pretend to balance growth with stability; here stability got left on read. The portfolio lives and dies with global stock markets, no real shock absorbers built in. If equities run, it looks great. If equities stumble, everything coughs at once and the 3% “other” politely fails to save the day.

Sectors Info

  • Financials
    24%
  • Technology
    21%
  • Industrials
    10%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    7%
  • Basic Materials
    7%
  • Consumer Discretionary
    6%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, it’s clearly not shy: financials at 24% and tech at 21% together drive nearly half the personality. That’s a big bet on money movers and code writers running the world. The rest is a decent spread, but nothing close to “neutral.” This isn’t some bland, sector-balanced stew; it’s more like a double shot of financials with a tech chaser and a light garnish of everything else. If either of those two sectors hits a bad patch, the portfolio’s mood swings will be loud. Calling this “broadly diversified” is generous; it’s diversified with favorite children.

Regions Info

  • North America
    60%
  • Europe Developed
    18%
  • Asia Developed
    8%
  • Australasia
    4%
  • Japan
    3%
  • Asia Emerging
    2%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio has decided the sun rises and sets mostly over North America, with 60% exposure there. Europe and the rest of the world are invited but very much the supporting cast. It’s the classic move: global-sounding holdings that actually mean “US plus a consolation prize.” For a German investor, there’s no home-bias disaster here, but there’s definitely a love affair with one giant market. If that region sneezes, the whole portfolio gets a cold. Yes, it’s still more global than many, but this isn’t a world tour — it’s a long US residency with brief international stopovers.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    31%
  • Mid-cap
    11%
  • Small-cap
    5%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

The market cap mix is heavily tilted toward the giants: 49% mega-cap and 31% large-cap means the grown-ups dominate. Mid, small, and micro caps are glorified side quests. That gives the portfolio a strong “blue-chip with some spice” flavor. It’s less about discovering the next breakout and more about riding the established behemoths. On the plus side, mega-caps tend to be a bit more stable; on the minus side, they can drag the entire ship when big indices wobble. This setup talks like it loves diversification, but in practice it mostly just follows the biggest names in the room.

True holdings Info

  • Berkshire Hathaway Inc
    9.08%
  • Linde PLC
    3.77%
  • DBS Group Holdings Ltd
    3.47%
  • Microsoft Corporation
    3.29%
  • Alphabet Inc Class A
    3.10%
  • Schneider Electric S.E.
    2.33%
  • NVIDIA Corporation
    2.32%
    Part of fund(s):
    • Xtrackers Artificial Intelligence &Big Data UCITS ETF 1C EUR
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • The Procter & Gamble Company
    2.18%
  • Walmart Inc
    1.95%
  • Apple Inc
    1.94%
    Part of fund(s):
    • Xtrackers Artificial Intelligence &Big Data UCITS ETF 1C EUR
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Top 10 total 33.43%

This breakdown covers the equity portion of your portfolio only.

Look-through holdings reveal the usual suspects quietly running the show: Microsoft, Apple, NVIDIA, Walmart, and friends showing up via ETFs, while Berkshire, Linde, and others sit there as proud single-stock picks. The overlap isn’t terrifying based on top-10 data, but remember that’s just the visible tip — plenty of duplicates are likely hiding deeper in the funds. So the portfolio looks like a mix of ETFs and stocks, but in reality it’s a fan club for a relatively small group of global titans. It’s less unique than it pretends, just a slightly customized remix of the same big names.

Risk contribution Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Weight: 38.81%
    42.7%
  • Berkshire Hathaway Inc
    Weight: 9.08%
    8.0%
  • Xtrackers Artificial Intelligence &Big Data UCITS ETF 1C EUR
    Weight: 3.74%
    5.3%
  • SSgA SPDR S&P 400 US Mid Cap
    Weight: 4.01%
    5.1%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    Weight: 4.09%
    4.8%
  • Top 5 risk contribution 65.9%

Risk contribution exposes who’s actually driving the drama. The core MSCI World ETF is 38.81% of the weight but 42.71% of the risk — it’s the main character, not a background index. Then the AI ETF and mid/small-cap funds punch above their weight, adding extra volatility spice for relatively modest positions. Berkshire, amusingly, contributes less risk than its weight, acting like the responsible adult in a room of caffeinated funds. With the top three holdings delivering over half of total risk, this is not a democracy. A handful of positions decide how bumpy things feel, everyone else is just décor.

Redundant positions Info

  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    SSgA SPDR S&P 400 US Mid Cap
    High correlation

The highly correlated pair — world small caps and US mid caps — is basically the portfolio buying two flavors of the same ice cream and pretending it’s variety. When assets are tightly correlated, they tend to move together in both rallies and crashes, so they don’t help much when things go south. This isn’t a disaster, but it does mean some of the supposed diversification is just duplication in a different wrapper. In a downturn, both of these will likely sulk at the same time, adding more downside wobble without bringing any real offsetting behavior to the table.

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.

The efficient frontier chart is brutal: the current portfolio sits a hefty 11.92 percentage points below the best achievable mix using the same ingredients. Sharpe ratio of 0.8 versus 2.03 for the optimal combo is like paying for a performance car and then driving everywhere in first gear. Same holdings, worse trade-off between risk and return. Even the lowest-risk mix has a higher Sharpe at 1.46. In plain terms, this portfolio is leaving a lot of efficiency on the table just by how it’s weighted. It’s not broken, just lazily arranged, like a half-solved puzzle left on the kitchen table.

Ongoing product costs Info

  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • SSgA SPDR S&P 400 US Mid Cap 0.30%
  • iShares Core MSCI Pac ex-Jpn ETF USD Acc 0.20%
  • Xtrackers Artificial Intelligence &Big Data UCITS ETF 1C EUR 0.35%
  • Xtrackers MSCI World Health Care UCITS ETF 1C 0.25%
  • Weighted costs total (per year) 0.15%

Costs are the one area where this portfolio doesn’t embarrass itself. A total TER of 0.15% is firmly in the “you actually paid attention” zone. Most of the funds are low-cost core building blocks with just a couple of pricier niche ETFs sprinkled in. It’s like someone built a sensible budget meal and then added a fancy dessert or two without blowing up the bill. Fees won’t be the thing that drags this portfolio down, which is good, because the risk profile and factor tilts are already doing enough heavy lifting in the “interesting choices” department.

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