This portfolio has only about 1 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.
Get this analysis for your own portfolio Paste your holdings — the first report is free and takes about a minute. Analyze mine Roast mode 🔥

Diversified on paper cautious on label secretly cosplaying a global equity fund with shiny side quests

Report created on Jul 15, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
Curious how your own portfolio scores? Same analysis, your holdings. First report free — no card needed. Analyze mine

Positions

This portfolio is doing that “I’m cautious” thing while being almost entirely an equity engine with accessories. Two-thirds is one giant global stock ETF, then there’s a 10% gold brick, 10% cash-like overnight rate, a small spicy slice of small-cap value, a tiny dollop of emerging markets, and a 1% Bitcoin Easter egg. Structurally, it’s basically “world stocks plus a couple of vanity projects.” For a so‑called cautious setup, the risk score is wildly out of sync with the actual equity load. The design screams “diversified” because there are six line items, but functionally one holding drives everything and the rest mostly tinker at the margin.

Growth Info

Over the short one‑year window, this thing managed a 22.22% CAGR and turned €1,000 into €1,229, which looks great until the benchmarks walk in. The US market did about 24.42%, and global equities hit 26.46%, so the “world plus extras” portfolio somehow underperformed the plain vanilla versions. Max drawdown at -6.27% was only slightly gentler than the benchmarks, so it didn’t crash much less, it just ran a bit slower. And with 90% of returns coming from 12 days, the experience is still very “miss the big days, miss the show.” With only a year of data, this is more vibes than verdict, but the vibes say “fine, not special.”

Projection Info

The Monte Carlo simulation is doing its best tarot-card impression with a single year of history as input, so treat the numbers like a weather forecast two weeks out: directionally useful, not gospel. Median outcome around €2,668 after 15 years on €1,000, with a wide possible range from roughly flat to “nice surprise,” paints a standard equity-heavy picture. A 7.56% annualised return across simulations fits that story. The 85.7% chance of ending positive is comforting, but remember, that’s “based on what just happened,” not on multiple cycles. The portfolio’s future is equity-flavoured uncertainty wearing a lab coat of fake precision.

Asset classes Info

  • Stocks
    79%
  • Other
    10%
  • No data
    10%
  • Crypto
    1%

Asset class mix: 79% stocks, 10% “other,” 10% “no data,” and 1% crypto. For something labelled cautious, this is basically an equity fund in glasses and a fake mustache. The 10% overnight-rate ETF is the only true coolant in the engine; 10% gold tries to be a crisis prop, and 1% Bitcoin is there for chaos, not safety. The big problem: almost all long‑term outcomes still depend on how global stocks behave. If equities have a nice decade, this looks smart; if not, the “cautious” badge is just marketing lipstick on a risk‑on face. The unclassified slice doesn’t change that story.

Sectors Info

  • Technology
    21%
  • Financials
    14%
  • No data
    10%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    6%
  • Health Care
    6%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%
  • Crypto
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this is a tech‑tilted world portfolio with a few stabilisers thrown in. About 21% in technology and 14% in financials gives it a fairly growthy backbone, while smaller slices in industrials, consumer areas, telecoms, and healthcare round things out. So it looks broad, but the engine room is still driven by the usual mega‑cap tech and friends. The “no data” 10% is mysterious but small enough not to rewrite the profile. This isn’t some weird niche bet; it’s basically the global stock market with an extra tech lean. Calling this set‑up cautious is like calling a sports car “reasonable” because it has four seats.

Regions Info

  • North America
    49%
  • Europe Developed
    10%
  • No data
    10%
  • Asia Developed
    6%
  • Japan
    5%
  • Asia Emerging
    5%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, it’s “global” in the standard index sense: 49% North America, then much smaller crumbs for Europe, Japan, developed Asia, and emerging regions. So yes, there are flags from everywhere, but the portfolio clearly worships at the altar of US and North American dominance. For a German-based setup, there’s no obvious home bias, which is actually pretty sensible for once. Still, if North America sneezes, this portfolio catches the flu. The rest of the world is basically there so the factsheet can claim diversification. With only a year of data, there’s no proof this mix behaves well in a proper crisis; the bet is that the global herd doesn’t stampede too hard.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    24%
  • Mid-cap
    13%
  • No data
    10%
  • Small-cap
    5%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

Market cap breakdown is heavily skewed to the giants: 34% mega‑cap, 24% large‑cap, then a gentle slide to mid, small, and micro. The token small‑cap and micro‑cap exposure is basically the seasoning provided by the Avantis funds, not a central feature. In practice, this is a big‑company portfolio with a couple of scrappy underdogs for character. That means performance is dictated by the corporate aristocracy, not the scruffy hopefuls. When the giant names are in favour, it rides along; when they wobble, the tiny tilts won’t save it. The “cautious” label here mainly means “we trust big brands not to implode too fast.”

True holdings Info

  • NVIDIA Corporation
    3.13%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Apple Inc.
    2.85%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    2.11%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Amazon.com Inc
    1.64%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    1.40%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Broadcom Inc
    1.31%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.30%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    1.13%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    0.88%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tesla Inc
    0.78%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 16.53%

This breakdown covers the equity portion of your portfolio only.

The look‑through holdings are a greatest hits playlist of mega‑cap tech and friends: NVIDIA, Apple, Microsoft, Amazon, Alphabet (twice), Meta, Tesla, plus a semiconductor titan and Broadcom. In other words, this portfolio pretends to hold the whole world but quietly worships the same ten global celebrities everyone else owns. The overlap is probably worse than shown, since only top‑10 ETF holdings are captured, meaning hidden repetition is almost guaranteed. This creates stealth concentration: if those darlings stumble, the portfolio feels it in stereo. The “global diversification” line on the brochure masks a heavy dependence on a very familiar, very crowded trade.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 66.67%
    71.8%
  • EUWAX Gold Core ETC
    Weight: 10.00%
    13.0%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 9.00%
    8.9%
  • Avantis Emerging Markets Equity UCITS ETF
    Weight: 3.33%
    4.8%
  • Bitcoin
    Weight: 1.00%
    1.5%
  • Top 5 risk contribution 100.0%

Risk contribution blows the cover on the “six holdings” show: Vanguard All‑World at 66.67% weight throws in 71.78% of total risk all by itself. Add gold at 12.98% and the small-cap value ETF at 8.92%, and the top three account for 93.68% of risk. Everyone else is basically background actors. Risk/weight numbers show emerging markets and Bitcoin punching above their tiny sizes, but they’re still cameos. This means day‑to‑day drama is essentially dictated by one global stock ETF plus gold’s mood swings. If that main ETF catches a cold, the portfolio doesn’t have many independent voices to argue for calm.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

On the risk vs. return chart, this portfolio sits noticeably below its own efficient frontier, a full 3.85 percentage points shy of what could be achieved with the same ingredients. The Sharpe ratio—fancy talk for return per unit of risk—is 1.75, while the max‑Sharpe mix gets 2.25. Translation: this is like making a decent pasta but boiling the noodles too long; the ingredients are fine, the recipe’s just lazy. The kicker: nothing new needs to be added to improve it, the current weights are just not pulling their weight. For a “cautious” design, it’s inefficient rather than actually low risk.

Ongoing product costs Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C 0.10%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR 0.39%
  • Avantis Emerging Markets Equity UCITS ETF 0.35%
  • EUWAX Gold Core ETC 0.25%
  • Weighted costs total (per year) 0.21%

Costs are one of the few things this portfolio doesn’t mess up. A total TER around 0.21% is respectably low; nothing here screams “fee gouging.” The core fund is cheap, the overnight rate ETF is cheaper, and even the Avantis and gold pieces, while pricier, stay in the realm of “okay, fair enough.” It’s not rock‑bottom across the board, but definitely not “paying champagne prices for tap water” either. The funny part: the weights are inefficient, not the costs. You actually picked reasonably priced tools, then used them in a slightly clumsy way. Fees aren’t the villain here; the construction is.

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