This portfolio has only about 1.3 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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Boldly skipping the US while hoarding volatility like it is a collectible hobby

Report created on Apr 4, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This thing is a three-fund portfolio that somehow manages to be both simple and slightly unhinged. Half in developed markets outside the US, a quarter in global small cap value, and a quarter in emerging markets is not “balanced,” it’s “I like pain but with a spreadsheet.” There’s zero ballast – no bonds, no cash, no anything-that-sleeps-at-night. For a 4/7 risk profile, this leans equity-maximalist with a side of factor geek. The big picture: structurally sensible, but turned up a couple notches spicier than the label suggests. If someone expects smooth sailing from this, they’re reading the wrong brochure.

Growth Info

Short history, hot numbers. A 13.56% CAGR over ~1.3 years looks great on paper, especially versus a sulking US market and a lukewarm global index. But with only 1.3 years of data, this is basically judging a marathon from the first water station. Max drawdown of -18.36% in that period already shows this thing can swing hard, and that’s during a relatively normal environment, not a 2008-style meltdown. The 7 days that made up 90% of returns scream “miss a few good days, regret your life choices.” Translation: nice start, absolutely not proof this blend will always crush mainstream benchmarks.

Projection Info

The Monte Carlo projection basically says: “Probably fine, but don’t quote me in court.” Monte Carlo just replays thousands of possible futures based on past volatility and returns – like rolling loaded dice using recent history as the weight. Median outcome of €2,750 from €1,000 over 15 years (about 7.93% annualized) is solid, and an 85.9% chance of ending positive sounds comforting. But with only 1.3 years of data feeding the simulation, it’s like training a weather model on one weird spring. The scary bit: the 5th percentile ends below your starting capital. Translation: you’re getting paid for risk, but the downside is absolutely real.

Asset classes Info

  • Stocks
    100%

Asset classes? That section is easy: 100% stocks, 0% everything else. It’s the investment equivalent of going to a buffet and only eating the hottest curry. For a so-called “balanced” profile, this is more “balanced across different ways equities can punch you” than balanced across asset types. No bonds to soften crashes, no real diversifiers, just pure growth exposure. That’s fine if the time horizon is long and the stomach is strong, but let’s not pretend this is some mellow middle-of-the-road mix. The implication: returns can be rewarding, but drawdowns will be loud and you have no built-in shock absorber.

Sectors Info

  • Financials
    24%
  • Industrials
    16%
  • Technology
    13%
  • Consumer Discretionary
    11%
  • Energy
    8%
  • Basic Materials
    8%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Telecommunications
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector mix is surprisingly grown-up for such an aggressive equity-only setup. Financials top the list at 24%, with industrials and tech not far behind, then a decent spread across energy, materials, health care, and consumer areas. This isn’t a meme-chasing, all-tech fever dream; it’s more like an old-school global equity fund that secretly likes factories and banks. Still, being this heavy in financials means sensitivity to rates, credit risk, and economic cycles. If the world slows, those 24% don’t politely step aside. Takeaway: sector balance is respectable, but don’t underestimate how cyclical the main drivers actually are.

Regions Info

  • Europe Developed
    31%
  • North America
    25%
  • Japan
    13%
  • Asia Developed
    12%
  • Asia Emerging
    10%
  • Australasia
    4%
  • Africa/Middle East
    3%
  • Latin America
    2%
  • Europe Emerging
    1%

Geographically, this is a “US? Never heard of her” portfolio. Europe developed leads at 31%, with North America at 25% coming mostly from non-US developed and global funds, then Japan, developed Asia, and a decent slug of emerging markets sprinkled around. For a German investor, the home-region tilt toward Europe is understandable, but skipping direct US exposure in a world where the US dominates global market cap is a very deliberate choice. That’s either principled valuation discipline or quiet stubbornness. Either way, this behaves differently from the usual US-heavy global portfolio – which can be brilliant… or just awkward when US mega caps go on a tear.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    25%
  • Small-cap
    14%
  • Mid-cap
    14%
  • Micro-cap
    9%

The market cap breakdown is where the inner risk junkie shows. Mega caps at 37% keep things anchored in recognizable giants, but then you’ve got 14% mid, 14% small, and a punchy 9% micro-cap. That’s a lot of tiny and quirky companies for a “balanced” risk label. Smaller caps tend to be more volatile, more sensitive to economic tides, and occasionally just go missing in action. Great for long-term growth potential, less great if someone panics at steep swings. The takeaway: the portfolio talks like a grown-up large-cap global fund but secretly hangs out with small, rowdy friends after hours.

True holdings Info

  • Taiwan Semiconductor Manufacturing
    1.35%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
  • ASML Holding N.V.
    1.10%
    Part of fund(s):
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
  • SMSN
    1.03%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
  • SK Hynix Inc
    0.95%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.70%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
  • Rogers Corporation
    0.66%
    Part of fund(s):
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
  • AstraZeneca PLC
    0.63%
    Part of fund(s):
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
  • Novartis AG
    0.63%
    Part of fund(s):
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
  • HSBC Holdings PLC
    0.63%
    Part of fund(s):
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
  • Tencent Holdings Ltd
    0.58%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
  • Top 10 total 8.28%

The look-through data barely scratches 13% of the portfolio, so treat it like peeking through the keyhole, not a full inventory. Still, you can already see a familiar tech-adjacent crew: Taiwan Semi shows up twice under slightly different names, ASML, SK Hynix, Tencent – the usual “global growth engine” suspects. That means there’s already some hidden clustering in chipmakers and big non-US giants. And that’s just from the top 10 holdings of each ETF; real overlap is almost certainly higher. Takeaway: this is less a wild scattering of thousands of independent stocks and more a coordinated bet on a lot of the same big global winners.

Risk contribution Info

  • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    Weight: 50.00%
    46.3%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 25.00%
    28.3%
  • Avantis Emerging Markets Equity UCITS ETF
    Weight: 25.00%
    25.4%

Risk contribution is the “who’s actually driving the drama” metric, and the answer here is: everyone’s pulling weight. The big developed ex-US ETF contributes 46.29% of risk on a 50% weight, so it’s actually slightly calmer than its size suggests. The Avantis small cap value fund, though, is doing overtime: 25% weight, 28.31% risk contribution – the loud kid in the back of the class. Emerging markets sit around one-to-one with weight and risk. Nothing insanely out of line, but if volatility starts feeling spicy, trimming the small-cap value slice slightly would be the cleanest way to dial back the chaos without changing the whole idea.

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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The efficient frontier is basically yelling, “Nice idea, slightly sloppy execution.” With a Sharpe ratio of 0.78, the current mix is clearly below what’s possible using the exact same three funds. The max-Sharpe version hits 1.01 with higher return for only slightly more risk, and even the minimum-variance mix beats your risk-adjusted return. Being 1.69 percentage points below the frontier at the current risk level is like driving with the handbrake half on – same car, worse ride. The kicker: no new assets are needed. Just reweighting these three could squeeze more juice out of the same orange.

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