Efficient but slightly boring stock-only cocktail pretending to be balanced and calling it a day
Report created on Mar 24, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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P5 Invesco S&P 500 UCITS ETF
P500 - IE00B3YCGJ38 60.00% -
LY Amundi Stoxx Europe 600 UCITS ETF C EUR
LYP6 - LU0908500753 40.00%
Structurally this is the IKEA flat-pack of portfolios: two broad ETFs bolted together at 60/40 and done. It looks balanced at first glance, but “balanced” here just means US vs Europe, not stocks vs anything else. Zero bonds, zero cash, zero diversifiers – it is a 100% equity rollercoaster wearing a “Profile_Balanced” name tag. The upside: it’s clean, simple, and hard to mess up day to day. The downside: when markets fall, there is nowhere to hide. Takeaway: this is basically a global-ish equity fund cosplay, not a genuinely multi-asset, shock-absorbing mix.
Growth
Performance-wise, you’ve been the kid sitting between the nerd (US market) and the class average (global market). CAGR – that’s your smoothed yearly growth rate – is 12.51%, beating the global market’s 10.83% but lagging the US at 13.89%. Your €1,000 turned into €2,621 vs €2,411 globally and €3,043 in pure US. Max drawdown – the worst peak-to-trough fall – is -34.2%, basically identical to the benchmarks. Translation: you’re taking full equity pain, getting decent but not top-tier equity reward. Past data is like yesterday’s weather: useful, but it won’t sign a guarantee for tomorrow.
Projection
The Monte Carlo projection – basically a thousand alternate futures rolled like dice using past return stats – paints a surprisingly rosy picture. Median outcome is roughly +369% in 10 years, and even the pessimistic 5th percentile still lands at +58.9%. That’s the good news. The bad news: simulations recycle history, and markets don’t care about your spreadsheet. If the future is kinder than the past, great. If not, those neat curves will age as well as a 2019 “transitory inflation” take. The takeaway: this portfolio has strong growth potential but emotionally demanding downside swings remain absolutely on the menu.
Asset classes
- Stocks 100%
Asset class “diversification” here is just a polite way of saying “all in on stocks and nothing else.” You’ve scored 100% in equities, 0% in anything that might cushion a crash. For a so-called balanced risk profile, this is like calling a double espresso “hydration.” In raging bull markets it’s fantastic; in brutal bear markets you just get to hold the full pain and watch others’ bond sleeves do their boring protective job. If you want smoother rides, you usually mix in assets that don’t dive together; here, you’ve chosen the full-equity theme park without a seatbelt.
Sectors
- Technology 24%
- Financials 17%
- Industrials 13%
- Health Care 11%
- Consumer Discretionary 9%
- Telecommunications 8%
- Consumer Staples 6%
- Energy 4%
- Utilities 3%
- Basic Materials 3%
- Real Estate 2%
Sector-wise, this is a classic cap-weighted world: tech at 24% is clearly the favorite child, followed by financials and industrials. Nothing wildly ridiculous, but you are still meaningfully tilted toward market darlings that can swing hard when sentiment turns. This isn’t a crazy sector bet; it’s more like passively accepting the current global popularity contest. The real risk is not overexposure to one tiny niche, but being fully tied to how “big mainstream companies” behave in a broad downturn. Translation: no obvious sector disaster, just the usual tech-heavy modern equity bias that you didn’t exactly choose, you just inherited.
Regions
- North America 60%
- Europe Developed 39%
Geography screams “developed world or nothing.” Around 60% North America and 39% developed Europe leaves roughly zero love for emerging or smaller markets. It’s “US plus home continent, everybody else can wait in the lobby.” That bias can be a blessing when developed markets dominate, and a drag if the rest of the world finally wakes up and leads. The upside: exposure is where market cap and liquidity live. The downside: you’re basically betting the economic future on a narrow club of rich regions. Not fatal, just very conventional and a bit blind to broader global growth stories.
Market capitalization
- Mega-cap 48%
- Large-cap 34%
- Mid-cap 17%
- Small-cap 1%
Your market cap mix is heavily skewed to mega and big caps: 48% mega, 34% big, 17% mid, and small caps are an endangered species at 1%. This is the large-cap corporate world tour with a brief cameo by smaller companies. Large caps are steadier and more established, but also less explosive when the cycle favors the little guys. You’re hugging the index so closely that you’re basically outsourcing your conviction to market capitalization math. If you wanted edgy, high-upside chaos, this is not it. If you like stability over lottery tickets, this tilt accidentally makes sense.
True holdings
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AS ASML Holding N.V. 1.45%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
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RO Roche Holding AG 0.86%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
-
AZ AstraZeneca PLC 0.83%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
-
NO Novartis AG 0.83%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
-
HS HSBC Holdings PLC 0.83%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
-
NE Nestlé S.A. 0.72%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
-
SH Shell plc 0.61%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
-
SI Siemens Aktiengesellschaft 0.57%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
-
SA SAP SE 0.53%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
-
SA Banco Santander S.A. 0.49%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
- Top 10 total 7.73%
The look-through holdings are almost disappointingly sensible. Top exposures like ASML, Roche, Nestlé, HSBC, and Shell show you’re plugged into big, boring, global giants. Overlap is actually pretty mild, because your ETFs track broad indices rather than stacking the same narrow theme five times. Hidden concentration risk here isn’t so much about one stock; it’s about being fully tied to large developed markets and their economic cycles. The coverage is only based on ETF top-10s, so the true list is much longer and more spread out. Overall, the hidden story is “broad, liquid, blue-chip heavy” rather than “secret YOLO bet in disguise.”
Factors
Factor exposure – the hidden “flavor profile” of your portfolio – leans hard into yield and momentum, with a bit of size. Momentum means you’re riding what’s been winning; yield means you’re drawn to stuff paying decent income. Together, that’s like chasing the popular kids who also bring snacks. When trends continue and dividend-payers behave, this combo looks smart. When momentum cracks or high yield signals “risk,” not “safety,” you can eat losses faster than expected. Coverage is patchy, so readings aren’t perfect, but you’re clearly not neutral; you’ve accidentally chosen a style that loves recent winners and steady payers.
Risk contribution
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Invesco S&P 500 UCITS ETF
Weight: 60.00% 62.7% -
Amundi Stoxx Europe 600 UCITS ETF C EUR
Weight: 40.00% 37.3%
Risk contribution – who is actually shaking the portfolio, not just sitting there looking heavy – is almost 1:1 with weights. The S&P ETF is 60% weight and 62.7% of risk; Europe is 40% and 37.3% of risk. No secret villain, just two big drivers doing exactly what they look like they do. That’s both comforting and slightly boring: there’s no sneaky 3% wild child causing chaos. The flip side is obvious: if the US or Europe tank together, the whole thing goes down in unison. Trimming risk would mean changing that fundamental 60/40 region bet, not hunting for hidden outliers.
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 risk vs return chart, you’re sitting on the efficient frontier, which is nerd-speak for “not dumbly inefficient.” The Sharpe ratio – return per unit of risk – is 0.66 for your current mix. The optimal combo of the same two ETFs pushes that to 0.81 with slightly higher risk and higher expected return, while the minimum variance option is only a tiny bit less risky and also less rewarding. Translation: the ingredients are fine, the recipe is okay, but there’s a better version using the same stuff. You’re not wasting potential, but you’re also not squeezing the maximum juice yet.
Ongoing product costs
- Amundi Stoxx Europe 600 UCITS ETF C EUR 0.07%
- Invesco S&P 500 UCITS ETF 0.05%
- Weighted costs total (per year) 0.06%
Costs are where this portfolio absolutely nails it. A 0.06% TER is so low it’s basically pocket lint. You’ve managed to build a global-ish equity exposure for cheaper than many people’s monthly bank account fee. There’s almost nothing left to roast here, except that you’re now out of excuses: you can’t blame high fees if returns disappoint. When costs are this tight, the main levers left are allocation and risk tolerance, not trying to shave another basis point. Think of it as having bought the economy flight ticket; performance now depends on the destination, not the airline markup.
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