Roast mode 🔥

Closet global indexer with a value hobby and a secret tech crush

Report created on May 3, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is basically a one‑ETF world fund with three satellites bolted on for personality. Sixty percent sits in a plain ACWI tracker, then there’s a duplicate helping of US large caps and two value-factor side quests. It looks diversified at first glance, but most of the action is just global stocks rehashed four ways. Structurally it’s “index fund with FOMO,” trying to be both boring core and clever tilt at the same time. That mashup means the extra complexity isn’t buying a radically different exposure; it’s mostly rearranging the same global equity furniture and calling it a new interior design.

Growth Info

Historically, this thing has been riding the rocket. A €1,000 investment turning into €1,666 in under three years is a 22.61% CAGR, which is flat-out spicy. It has even beaten both the US market and global market by a few percentage points a year, while suffering a slightly smaller max drawdown than both. But that -20.89% dip still stings: two months to fall, five months to crawl back. And 90% of returns came from 22 random days — blink and you miss the magic. Past data is like yesterday’s weather: nice to brag about, useless as a guarantee.

Projection Info

The Monte Carlo projection basically says, “Yeah, this could go great… or totally meh.” Monte Carlo just runs thousands of “what if” futures using past-style volatility and return patterns, like simulating 1,000 alternate timelines. Median outcome of €2,810 from €1,000 over 15 years is decent, but the spread is wild: anything from roughly flat (€968) to “I actually did it” money (€7,744). Even the chance of a positive result, 74.4%, quietly admits that 1 in 4 timelines end with disappointment. Future returns aren’t beholden to the past; markets don’t know about your simulation.

Asset classes Info

  • Stocks
    100%

Asset-class “diversification” here is a one-word story: stocks. It’s 100% equities, 0% anything else. That’s not diversification, that’s conviction with no backup singers. When everything is equity, everything dances when markets are happy and everything faceplants together when they’re not. Asset classes are supposed to be like a team with different roles: some sprint, some defend, some just stop you losing the game. Here, the entire squad plays offense. That makes the portfolio easy to understand — it goes up and down with global stocks — but don’t pretend it’s some multi-asset masterpiece.

Sectors Info

  • Technology
    30%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Utilities
    3%
  • Real Estate
    2%

Despite the “value” branding on part of this portfolio, the sector breakdown is full-on growth-era fanboy. Technology at 30% leads by a mile, then a more modest spread across financials, industrials, and the rest. For a supposedly value-flavored mix, this still hugs the modern market’s tech obsession pretty tightly. Sector weights look suspiciously index-like with a turbo-charged tech bias on top. When one sector is that dominant, the portfolio’s mood swings are basically tied to whether the gadget-and-chip complex is thriving or throwing a tantrum. “Value tilt” here feels more like a side dish than the main course.

Regions Info

  • North America
    60%
  • Europe Developed
    12%
  • Asia Developed
    11%
  • Asia Emerging
    8%
  • Japan
    5%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, this is “America and some extras.” Sixty percent in North America, then small slices across Europe, developed Asia, emerging Asia, and tiny crumbs for everywhere else. It’s basically assuming the global economy lives on the US coasts, with occasional guest appearances from the rest of the planet. This mirrors common global indexes, so it’s not unusual — just very single-story. If US markets sneeze, this whole portfolio catches pneumonia. The rest of the world is present mostly to look respectable on a pie chart, not to seriously challenge the home-region dominance.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    37%
  • Mid-cap
    15%

Market cap exposure screams “big-company comfort zone.” With 47% in mega caps and another 37% in large caps, almost the whole portfolio is giant corporations that already won their popularity contests. Mid caps get a token 15% like a sympathy invite. That tilt means the portfolio behaves like the mainstream market — smoother than a small-cap rollercoaster, but heavily tied to the fortunes of well-known giants. It’s basically saying, “If it’s not a household name, it barely matters.” Don’t expect much hidden dynamism here; this is the large-cap show with minor supporting roles.

True holdings Info

  • NVIDIA Corporation
    3.96%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    3.48%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.47%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.45%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Amazon.com Inc
    1.87%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.55%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.32%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.30%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.17%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    0.98%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 20.56%

The look-through holdings expose the usual suspects running the show: Nvidia, Apple, Microsoft, TSMC, Amazon, Alphabet, Meta, Tesla — the entire “Mag7 and friends” cast. These names pop up through multiple ETFs, so the portfolio is secretly doubling down on the same mega-cap darlings while pretending to be diversified. And that’s just within the top 10 holdings we can see; overlap is almost certainly higher under the hood. It’s like ordering four different combo meals from the same fast-food chain and acting surprised everything tastes like the same burger. Hidden concentration is doing a lot of heavy lifting here.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 60.00%
    59.9%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 15.00%
    15.7%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    15.4%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    9.0%

Risk contribution here is brutally simple: the 60% ACWI position delivers almost exactly 60% of the portfolio’s risk, and the two 15% slices plus the 10% world value ETF round out nearly all the rest. The top three positions contribute 91% of total risk, which is basically saying the entire experience is dictated by three ETFs. No stealth landmines, just a very concentrated driver’s seat. If those core funds wobble, everything wobbles; the smaller pieces aren’t rescuing anything. This is a textbook case where portfolio risk equals “what the big three decide to do this month.”

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

The correlation chart politely points out the obvious: the S&P 500 ETF and the ACWI ETF move almost identically. In other words, that 15% US tracker is basically a slightly louder echo of what the 60% global fund is already doing. Correlation just measures how often things move together, and these two are basically finishing each other’s sentences. From a risk perspective, that “extra” position isn’t adding a new storyline; it’s just turning up the volume on the same plot. It’s diversification in the same way buying two copies of the same book is “building a library.”

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 chart, this portfolio is clearly leaving money on the table. At a volatility around 13.4%, it sits about 3.41 percentage points below the best achievable return with the same ingredients. The Sharpe ratio — return per unit of risk, basically bang for your stress — is 1.29, while the optimal mix hits 1.83. That’s a big gap for a portfolio using only four ETFs. Even the minimum-variance version looks sharper. Translation: it’s not the toys in the box that are the issue, it’s how they’re arranged. The current mix is like paying for premium parts and then assembling the IKEA wardrobe wrong.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SPDR S&P 500 UCITS ETF USD Acc EUR 0.03%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.17%

Costs are the one area where this portfolio doesn’t embarrass itself. A blended TER of 0.17% is actually pretty lean, especially considering two of the funds are smart-beta factor products with higher fees. The S&P 500 at 0.03% and ACWI at 0.12% do the heavy lifting on efficiency, with the value-factor funds quietly inflating the average. It’s still cheap, but you’re definitely paying a premium for those factor experiments. Overall, fees are under control — you clearly avoided the worst offenders — but you’re not exactly at “rock-bottom index nerd” levels either.

What next?

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey