Hypercharged equity rocket with a bitcoin booster and a suspicious crush on the S&P 500
Report created on Aug 26, 2026Risk profile
7/7
Diversification profile
4/5
Positions
-
SW iShares Core MSCI World UCITS ETF USD (Acc)
SWDA - IE00B4L5Y983 57.03% -
IU iShares Core S&P 500 UCITS ETF USD (Dist)
IUSA - IE0031442068 15.21% -
VH Vanguard FTSE All-World High Dividend Yield UCITS USD
VHYL - IE00B8GKDB10 12.26% -
BT Bitcoin
BTC 10.00% -
EI iShares Core MSCI Emerging Markets IMI UCITS
EIMI - IE00BKM4GZ66 5.50%
This portfolio looks like someone started with a perfectly sensible global equity core and then couldn’t resist bolting on shiny extras. Over half is already in a global stock ETF, then another fat slice goes into the S&P 500, which that global fund already owns in bulk. Add a high-dividend global fund that overlaps with both, and you’ve basically got three different wrappers around the same giants, plus a 10% side bet on bitcoin. Structurally it’s “world index plus copy-paste plus casino chip.” It’s not chaotic, but it is inefficiently neat: diversification on paper, repetition under the hood, with one very loud crypto wildcard shouting over the rest.
Growth
Historically this thing has behaved like it stole a time machine. A €1,000 stake turning into about €16,512 is absurdly high, and a 32.75% CAGR makes both the US and global markets look half asleep. The price for that joyride was a brutal -67% max drawdown, though—twice the pain of the benchmarks. That’s “watching years of gains evaporate while pretending not to care” territory. And because 90% of returns came from just 35 days, the performance is basically a handful of lucky lightning strikes, not steady craftsmanship. Past data here is yesterday’s weather on Mars: impressive, but not something to count on repeating.
Projection
The Monte Carlo projection basically says: “Congratulations, you built a thrill ride, not a tram.” A simulation is just a fancy way of running thousands of what-if futures based on past volatility and returns. Median outcome around €2,847 from €1,000 in 15 years is nice, but the “maybe you almost double” at the low end and “maybe you almost 9x” at the high end screams uncertainty. A 73% chance of being positive is good, but not exactly comforting when the downside paths exist. These simulations lean heavily on past chaos behaving similarly again, which markets are not contractually obliged to do. So the future looks promising, but also very capable of slapping this portfolio around.
Asset classes
- Stocks 90%
- Crypto 10%
Asset class mix is basically “equities with a crypto garnish.” Ninety percent in stocks and 10% in bitcoin gives all the growth potential and all the mood swings, with essentially zero balance from anything calmer. It’s like building a diet out of espresso and energy drinks: exciting, efficient, and occasionally terrifying. There’s no natural shock absorber baked into this structure, so when risk shows up, it hits everything important at once. The crypto slice may be only 10% by weight, but with this equity-heavy base it’s the difference between “bumpy ride” and “roller coaster that sometimes runs backward.”
Sectors
- Technology 27%
- Financials 15%
- Crypto 10%
- Industrials 9%
- Consumer Discretionary 8%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 3%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, this portfolio is clearly a tech fanboy in a business suit. Technology at 27% sets the tone, and then you layer in big doses of financials, industrials, and consumer names—all utterly normal for broad equity indexes. The twist is the extra 10% slab of crypto showing up as its own “sector,” which is like putting fireworks next to the electric wiring. Compared with typical global stock mixes, this is slightly more growth-flavored and drama-prone, thanks to the high-tech tilt and the bitcoin kicker. It’s not absurdly concentrated in one classic sector, but the combination of tech-heavy equities plus pure crypto leaves defensiveness firmly off the guest list.
Regions
- North America 64%
- Europe Developed 12%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is very much “America and some supporting characters.” About 64% in North America dominates, with Europe and the rest of the world getting leftover crumbs. For a portfolio that owns multiple “world” products, this still ends up highly US-centric—the global funds follow the actual market cap weights, which are heavily skewed toward the US, and then the extra S&P 500 slice just pours more sauce on the same dish. The result is less “world tour” and more “extended stay in the same country with a few weekend breaks elsewhere.” Diversified, yes, but not exactly worldly in spirit.
Market capitalization
- Mega-cap 41%
- Large-cap 32%
- Mid-cap 16%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market cap, this is a love letter to the corporate giants. Mega-caps at 41% and large-caps at 32% mean the portfolio is mostly renting exposure from the planet’s biggest companies, with mid-caps as background noise and small-caps barely on the invite list at 1%. That’s fine if the goal is stability-from-size, but it also means missing much of the potential punch that smaller, more volatile names can bring. When giant firms have a dull decade, portfolios built mostly on them tend to follow. This setup is basically saying, “I’ll ride the biggest buses, even if they’re sometimes slow and crowded.”
True holdings
-
NV NVIDIA Corporation 4.24%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc)
- iShares Core S&P 500 UCITS ETF USD (Dist)
-
AA Apple Inc. 3.97%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc)
- iShares Core S&P 500 UCITS ETF USD (Dist)
-
MS Microsoft Corporation 2.83%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc)
- iShares Core S&P 500 UCITS ETF USD (Dist)
-
AM Amazon.com Inc 2.29%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc)
- iShares Core S&P 500 UCITS ETF USD (Dist)
-
GO Alphabet Inc Class A 1.90%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc)
- iShares Core S&P 500 UCITS ETF USD (Dist)
-
AV Broadcom Inc 1.71%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc)
- iShares Core S&P 500 UCITS ETF USD (Dist)
-
GO Alphabet Inc Class C 1.50%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc)
- iShares Core S&P 500 UCITS ETF USD (Dist)
-
ME Meta Platforms Inc. 1.17%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc)
- iShares Core S&P 500 UCITS ETF USD (Dist)
-
TS Tesla Inc 0.78%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- iShares Core MSCI World UCITS ETF USD (Acc)
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.72%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
- Top 10 total 21.10%
This breakdown covers the equity portion of your portfolio only.
The look-through holdings scream “hidden overlap.” NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and TSMC all show up through the ETFs, and that’s just from top-10 data covering only a quarter of the portfolio. That means the same mega-tech names are being owned multiple times through the world, S&P 500, and dividend funds. The supposed diversification is partly an illusion: it’s really the same handful of giants wearing different ETF costumes. Given that the overlap is probably understated beyond the top 10, the concentration risk in big tech and US growth is stronger than the fund list politely suggests.
Risk contribution
-
iShares Core MSCI World UCITS ETF USD (Acc)
Weight: 57.03% 48.7% -
Bitcoin
Weight: 10.00% 24.8% -
iShares Core S&P 500 UCITS ETF USD (Dist)
Weight: 15.21% 13.4% -
Vanguard FTSE All-World High Dividend Yield UCITS USD
Weight: 12.26% 8.6% -
iShares Core MSCI Emerging Markets IMI UCITS
Weight: 5.50% 4.6%
Risk contribution exposes the real boss here: bitcoin is 10% of the weight but nearly 25% of total risk, which is outrageously loud for such a small position. The top three holdings by weight—World ETF, S&P 500 ETF, and bitcoin—drive almost 87% of total risk, meaning the rest of the portfolio might as well be bystanders with opinions. This is exactly what “risk hog” looks like: a minority weight acting like the main character in every volatility scene. When a single holding’s risk/weight ratio is 2.48, that’s less “diversified portfolio” and more “index fund with a lever pulled on chaos.”
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 efficient frontier, this portfolio earns a rare, grudging nod: it’s basically on the curve. The Sharpe ratio of 0.98 is below the max-Sharpe version at 1.29, but that optimal flavor comes with much higher risk and return, not a free lunch. Within this set of holdings, the current mix uses its ingredients reasonably well for the chosen risk level. In plain language, the math says the chaos is at least “efficient chaos.” You’re not leaving huge risk-adjusted returns on the table; you’ve just decided to live at the spicy end of the menu instead of dialing it down toward minimum variance blandness.
Dividends
- iShares Core S&P 500 UCITS ETF USD (Dist) 1.00%
- Weighted yield (per year) 0.15%
Despite a “High Dividend Yield” fund in the lineup, the total portfolio yield is a comedic 0.15%. That’s barely pocket change, more like the portfolio occasionally tipping its hat than sending real cash. The S&P 500 fund at around 1% yield doesn’t move the needle much either, given the dominance of accumulating global equities and the bitcoin slice that pays nothing but emotional dividends. This setup is firmly in the “total return or bust” camp: returns are expected to come from price moves, not regular income. Calling this a dividend strategy would be like calling an espresso a hydration plan.
Ongoing product costs
- iShares Core S&P 500 UCITS ETF USD (Dist) 0.07%
- iShares Core MSCI Emerging Markets IMI UCITS 0.18%
- iShares Core MSCI World UCITS ETF USD (Acc) 0.20%
- Vanguard FTSE All-World High Dividend Yield UCITS USD 0.29%
- Weighted costs total (per year) 0.17%
Costs are the least offensive part of this story. A total TER of 0.17% is impressively low for a multi-ETF setup, especially with global, emerging, and dividend tilts in the mix. That’s the financial equivalent of flying economy but somehow getting the extra legroom seat without paying for it. You’ve managed to stack overlapping funds and even crypto drama without letting fees get silly, which is almost suspiciously sensible. There’s still the question of whether multiple overlapping equity funds are needed at all, but at least the price tag for the redundancy isn’t outrageous. Fees are not the villain here; the structure is.
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