This portfolio has only about 1.4 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A cautious portfolio that's more confused than a GPS in a tunnel

Report created on May 5, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

It seems like you've thrown darts at an ETF board to build this portfolio. Mixing the S&P 500 with a World ETF and then sprinkling in some sector-specific and exotic ETFs like it's a salad — it's a hodgepodge that screams "I want to travel the world but only speak English." Diversification is more than just collecting ETFs like Pokémon cards; it's about creating a balanced mix that makes sense.

Growth Info

Your portfolio's historic CAGR of 16.83% might look like you've cracked the code, but let's not forget that past performance is like relying on last year's weather forecast to plan today's picnic. It's nice to know but hardly reliable. And with days that make up 90% of returns being as rare as a polite online debate, it's clear that your gains are more about luck than strategy.

Projection Info

Monte Carlo simulations are like playing financial fortune-teller, but remember, they're best at showing a range of possibilities, not certainties. Your simulations suggest a rosy picture, but betting the farm on these numbers is like planning your retirement around winning the lottery. The real world is messier, and future returns are as predictable as a cat's mood.

Asset classes Info

  • Stocks
    86%
  • Other
    6%
  • Bonds
    3%

With 86% in stocks, your portfolio is like a diet consisting mainly of steak — hearty but lacking in balance. The token gestures towards bonds and "other" assets feel like adding a sprig of parsley on the side and calling it a day. A truly cautious approach would involve a more significant bond allocation or other lower-risk assets to smooth out the ride.

Sectors Info

  • Financials
    35%
  • Technology
    18%
  • Health Care
    7%
  • Consumer Discretionary
    6%
  • Industrials
    5%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

Your heavy tilt toward financial services and technology is like having a two-legged stool — it might stand up in good times but will topple over at the first sign of trouble. Financials and tech can offer growth, but their volatility can give cautious investors like you sleepless nights. Broadening your sector exposure would be like adding a few more legs to that stool, making for a much safer seat.

Regions Info

  • North America
    61%
  • Europe Developed
    22%
  • Japan
    2%
  • Australasia
    1%
  • Asia Developed
    1%

With 61% in North America and a smattering across developed Europe and Japan, your portfolio has a clear case of home bias, peppered with a touch of wanderlust. It's like being adventurous enough to try sushi but still asking for a fork. Expanding into emerging markets or more diverse geographies could spice things up and potentially reduce risk through better diversification.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    1%

A mega and big-cap love affair is evident, with 71% of your portfolio swooning over the giants of the market. It's like only watching blockbuster movies and missing out on indie films — you're ignoring a world of opportunity and potential outperformance. Sprinkling in more mid and small-caps could give your portfolio the plot twist it desperately needs.

Redundant positions Info

  • SPDR® MSCI World UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

The love story between your S&P 500 and MSCI World ETFs is a classic tale of redundancy, like buying two slightly different shades of the same color paint. Their high correlation means you're not getting the diversification you think you are. It's time to break up this ETF romance and look for assets that don't move in lockstep.

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.

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Chasing after an "efficient" portfolio with a 3.66% expected return is like trying to upgrade from a bicycle to a tricycle for speed. Efficiency in portfolio terms means balancing risk and return, but if your current setup is underwhelming on the return side for its risk level, it's time to rethink your strategy. It's not about going faster; it's about riding smarter.

Ongoing product costs Info

  • Invesco Physical Gold ETC EUR 0.12%
  • Multi Units Luxembourg - Amundi STOXX Europe 600 Insurance UCITS ETF Acc 0.30%
  • Multi Units Luxembourg - Lyxor MSCI World Financials TR UCITS ETF 0.30%
  • SPDR® MSCI World UCITS ETF 0.12%
  • Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C 0.10%
  • Weighted costs total (per year) 0.12%

Your portfolio's costs are like a lightweight boxer — surprisingly low and able to punch above their weight. This is one area where you've managed to avoid stepping on a rake. Keep an eye on these costs, though, because like midnight snacks, they have a way of creeping up on you when you're not paying attention.

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