A balanced and broadly diversified portfolio with a focus on global equities and technology

Report created on Aug 2, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio showcases a strong emphasis on global diversification, with a significant allocation to equities across various geographic regions and sectors. The largest holding is in a world ETF, ensuring exposure to a wide range of global companies. The inclusion of specialized ETFs targeting emerging markets, Asia Pacific regions, and the technology sector indicates a strategic approach to capture growth in these dynamic areas. The portfolio's structure, heavily weighted towards stocks, aligns with a balanced risk profile aiming for growth while managing volatility through geographic and sectoral diversification.

Growth Info

The portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 11.20%, which is a robust performance metric. However, it's important to note the maximum drawdown of -35.23%, indicating potential volatility and the risk of significant declines during market downturns. The days contributing to 90% of returns being limited to 18 suggests that a few key periods have driven the majority of gains. Comparing these figures against benchmarks could provide further insight into performance relative to market averages.

Projection Info

Using Monte Carlo simulations, which project future performance based on historical data, the portfolio shows a wide range of potential outcomes. The 50th percentile outcome of a 330.5% increase is promising, but the significant spread to the 5th percentile at 33.0% highlights the uncertainty and risk involved. These projections, while useful for planning, are inherently uncertain and should be considered alongside other factors like changing market conditions and personal investment goals.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is entirely in stocks, which is suitable for investors with a balanced risk profile seeking growth. However, this lack of asset class diversification (e.g., bonds, real estate, or cash equivalents) might expose the portfolio to higher volatility. Incorporating different asset classes could provide a buffer during stock market downturns, potentially smoothing out returns over time.

Sectors Info

  • Technology
    27%
  • Financials
    19%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Telecommunications
    6%
  • Health Care
    6%
  • Basic Materials
    6%
  • Consumer Staples
    4%
  • Real Estate
    4%
  • Energy
    3%
  • Utilities
    2%

With a strong focus on technology, financial services, and industrials, the portfolio is positioned to benefit from growth in these sectors. However, this concentration also introduces sector-specific risks, such as regulatory changes or economic shifts affecting these industries disproportionately. Diversifying across a wider range of sectors could mitigate such risks and stabilize returns.

Regions Info

  • North America
    36%
  • Europe Developed
    26%
  • Asia Developed
    13%
  • Asia Emerging
    11%
  • Australasia
    9%
  • Japan
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

The geographic allocation demonstrates a well-rounded approach, with significant exposure to North America, developed Europe, and both developed and emerging Asian markets. This global spread helps mitigate the impact of regional downturns but also introduces currency and geopolitical risks. The limited exposure to Latin America and Europe Emerging markets suggests potential areas for further diversification.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    27%
  • Mid-cap
    23%
  • Small-cap
    7%

The emphasis on mega and big-cap stocks provides a foundation of stability and resilience, as these companies often have more resources to weather economic storms. However, the relatively smaller allocation to small and micro-cap stocks might limit potential for outsized gains that these riskier, high-growth companies can offer. Adjusting the balance between stability and growth potential could enhance long-term outcomes.

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 analysis could indicate whether the current risk-return profile is optimal. However, optimization is not solely about maximizing returns but achieving the best possible balance between risk and reward. Adjusting allocations could potentially enhance the portfolio's position on the Efficient Frontier, offering a more favorable risk-adjusted return profile.

Ongoing product costs Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • Vanguard FTSE Emerging Markets UCITS ETF USD Accumulation 0.22%
  • Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF USD Accumulation 0.15%
  • Xtrackers MSCI World Information Technology UCITS ETF 1C 0.25%
  • SPDR® MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc 0.30%
  • Weighted costs total (per year) 0.22%

The portfolio's total expense ratio (TER) of 0.22% is relatively low, which is favorable for long-term growth as lower costs translate directly into higher net returns. Keeping costs in check is crucial, especially in a diversified portfolio where expenses can easily escalate with the addition of more funds.

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