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A portfolio that thinks diversity means owning three types of bread

Report created on Aug 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "I love ETFs but fear commitment." With 98% in stocks and a laughably thin slice of "other," it's like packing for a trip to the North Pole but only bringing a swimsuit. The heavy lean on just three ETFs, with a massive 60% in a global fund and 38% in tech, is like betting your retirement on black because "it's due." The token 2% in a leveraged ETF is like adding a cherry on top of a cake that's already tipping over.

Growth Info

Historically, this portfolio has ridden the tech wave with a CAGR of 13.88%, which sounds impressive until you realize it's like bragging about your high score in a video game that's about to be unplugged. The -31.97% max drawdown is the financial equivalent of a roller coaster that maybe should have had a warning sign. Relying on a few big days for most returns is like winning the lottery but forgetting where you put the ticket.

Projection Info

Monte Carlo simulations suggest a future brighter than a supernova, with a median return of 697.2%. But remember, Monte Carlo is the casino, not the strategy. These projections are like weather forecasts for next year—fun to look at but not something to plan your wardrobe around. The wide range between the 5th and 67th percentiles highlights the gamble inherent in this portfolio's strategy.

Asset classes Info

  • Stocks
    98%
  • Other
    2%

With 98% in stocks, this portfolio has the diversification of a diet consisting solely of potatoes. Sure, you can survive on it, but it's not exactly recommended by health professionals. The 2% in "other" is so vague it could be a collection of Beanie Babies for all we know. This asset class spread is like entering a biathlon and deciding to only ski, forgetting there's a shooting component.

Sectors Info

  • Technology
    37%
  • Consumer Discretionary
    11%
  • Telecommunications
    11%
  • Financials
    10%
  • Industrials
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation reads like a Silicon Valley fanboy's dream, with a whopping 37% in technology. It's as if someone said, "Diversification is important," and you thought they said, "Devotion to Silicon Valley." The rest of the sectors are sprinkled in like afterthoughts, making the portfolio's sector spread look more like a tech mogul's shopping list than a balanced investment strategy.

Regions Info

  • North America
    82%
  • Europe Developed
    10%
  • Japan
    3%
  • Australasia
    1%
  • Asia Developed
    1%

The geographic allocation is like someone who's heard of travel but thinks it's just a trip to the mall. With 82% in North America, it's clear this portfolio subscribes to the "America First" doctrine, at least in terms of investment. The token allocations to Europe, Japan, and Australasia are akin to saying, "I'm worldly" because you eat at the international food court.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    33%
  • Mid-cap
    14%
  • No data
    2%

Diving into the market cap allocation, it's half mega and a third big, which is like going to a party and only talking to the tallest people there. The absence of small caps is like refusing to read indie books because you've only heard of Stephen King. This portfolio's love affair with the big guys misses out on the growth potential simmering in the smaller companies.

Redundant positions Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Amundi ETF Leveraged MSCI USA Daily UCITS ETF
    High correlation

The portfolio has the unique talent of picking assets that move together like synchronized swimmers. The high correlation between the global ETF and the leveraged US ETF is like buying two different brands of sunscreen and expecting one to work better in the rain. This "diversification" strategy is akin to wearing two raincoats and wondering why you're still getting wet.

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 is a concept as foreign to this portfolio as a balanced breakfast is to a toddler. The recommendation to ditch overlapping assets is like being told to eat vegetables instead of three types of potatoes. Focusing on genuine diversification could turn this one-trick pony into a more resilient stallion.

Ongoing product costs Info

  • Amundi ETF Leveraged MSCI USA Daily UCITS ETF 0.35%
  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • iShares NASDAQ 100 UCITS ETF USD (Acc) 0.36%
  • Weighted costs total (per year) 0.26%

With total TER at a modest 0.26%, at least you're not bleeding money on fees. It's one of the few areas where this portfolio doesn't go overboard, like someone who's surprisingly frugal at a free buffet. However, don't let the low costs distract from the high-risk, high-drama nature of the rest of your investment choices.

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