Two index funds one personality tech worshipping momentum junkie with a suspicious love of giant companies
Report created on Mar 24, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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SP SPDR® MSCI World UCITS ETF EUR
SPPW - IE00BFY0GT14 85.00% -
EM iShares Core MSCI Emerging Markets IMI UCITS
EMIM - IE00BKM4GZ66 15.00%
This portfolio is basically the IKEA starter pack of investing: one global developed ETF at 85% and one emerging markets ETF at 15%. It screams “I read one Boglehead thread and called it a day.” Structurally it’s almost too clean, like a minimalist apartment with one plant and no personality. The good news is there’s no random clutter or meme-stock chaos. The bad news is everything depends on two tickers behaving like adults forever. If either fund changes index, structure, or tax treatment, the whole setup shifts. Takeaway: simple is great, but relying on two levers means you should at least know exactly what those levers are actually pulling.
Growth
Historically this thing has done… annoyingly well. €1,000 grew to €2,178 since 2019, with a 12.38% CAGR. CAGR is the “average speed” of your money over time, smoothing the bumps. You slightly trailed the US market (14.18%) but beat the global market (11.59%), which is honestly respectable. Max drawdown was -32.36%, roughly in line with the benchmarks, meaning when things got ugly, you went down with the ship like everyone else. Only 26 days made up 90% of returns, which shows how brutal market timing is. Past data is yesterday’s weather: useful context, but absolutely not a promise that the next storm behaves the same way.
Projection
The Monte Carlo simulation basically runs your portfolio through 1,000 alternate timelines based on its historical behavior. It’s like asking, “If history rhymed but didn’t repeat exactly, what might happen?” Median outcome after 10 years is roughly tripling your money, with the 5th percentile still giving a 35.5% gain and 983/1,000 paths positive. That sounds cushy, but remember: the engine is built from past returns in a very friendly market era. If future returns are less generous or volatility spikes, those neat curves get messier. Treat these projections as weather probabilities, not a booking confirmation for your early retirement villa.
Asset classes
- Stocks 100%
Asset classes: 100% stocks, 0% anything else. This is not “balanced”; this is an equity monolith wearing a “Profile_Balanced” sticker. No bonds, no cash buffer, no real diversifiers — just pure ownership of companies everywhere. That’s fine if the time horizon is long and you’re cool with big swings, but calling this moderate is like calling a roller coaster “slightly bumpy.” In bad markets, there’s nowhere to hide inside this thing. Takeaway: a one-asset-class portfolio is simple and powerful, but it’s emotionally expensive when volatility shows up and there’s no calmer asset to soften the blow.
Sectors
- Technology 27%
- Financials 17%
- Industrials 11%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 9%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Utilities 3%
- Real Estate 2%
Sector breakdown screams tech dependency: around 27% in technology, then financials, industrials, and consumer cyclicals trailing behind. You’re basically betting that innovation, software, and digital infrastructure keep carrying humanity forward while the rest of the economy tags along. That’s been a winning story lately, but tech leadership isn’t permanent. Regulation, bubbles, or just plain boredom can flip the script. The diversification into other sectors is decent, but they’re clearly backup dancers, not headliners. Takeaway: you’re riding the “future economy” train, which is great until it overshoots the station and rediscovery of boring, cheaper sectors suddenly becomes fashionable.
Regions
- North America 63%
- Europe Developed 15%
- Asia Developed 7%
- Asia Emerging 6%
- Japan 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is “America plus supporting cast.” About 63% in North America, then Europe Developed at 15%, Japan and other parts of Asia and emerging regions picking up crumbs. For a so-called global portfolio, it’s heavily tilted toward one economic and political system. That’s standard for market-cap-weighted indexes, but still a choice: you’re tying your financial fate largely to one country’s tech giants, currency, politics, and interest rates. If that region stumbles or just underperforms for a decade, the whole portfolio feels it. Takeaway: global diversification here is real but heavily biased; it’s more “US with international side dishes.”
Market capitalization
- Mega-cap 49%
- Large-cap 34%
- Mid-cap 16%
- Small-cap 1%
Market cap exposure is a straightforward love letter to giants: 49% mega, 34% big, 16% medium, and a lonely 1% in small caps. You’re basically saying, “I trust the market’s incumbents more than its scrappy upstarts.” That’s sensible for stability, but it limits the “small nimble company” growth story. Also, big and mega caps tend to be the most crowded trades, so when everyone rushes for the exit, liquidity doesn’t save you from price drops. Takeaway: this is the blue-chip fan club. Fewer lottery tickets, fewer disasters, but also less exposure to the wild upside of smaller, riskier names.
True holdings
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NV NVIDIA Corporation 4.29%
Part of fund(s):- SPDR® MSCI World UCITS ETF EUR
-
AA Apple Inc 3.91%
Part of fund(s):- SPDR® MSCI World UCITS ETF EUR
-
MS Microsoft Corporation 2.77%
Part of fund(s):- SPDR® MSCI World UCITS ETF EUR
-
AM Amazon.com Inc 2.01%
Part of fund(s):- SPDR® MSCI World UCITS ETF EUR
-
GO Alphabet Inc Class A 1.80%
Part of fund(s):- SPDR® MSCI World UCITS ETF EUR
-
23 Advanced Petrochemical Company 1.72%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
-
GO Alphabet Inc Class C 1.51%
Part of fund(s):- SPDR® MSCI World UCITS ETF EUR
-
AV Broadcom Inc 1.43%
Part of fund(s):- SPDR® MSCI World UCITS ETF EUR
-
ME Meta Platforms Inc. 1.40%
Part of fund(s):- SPDR® MSCI World UCITS ETF EUR
-
TS Tesla Inc 1.14%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- SPDR® MSCI World UCITS ETF EUR
- Top 10 total 21.98%
The look-through is basically a shrine to the usual mega-cap celebrities: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, plus a few others. You didn’t buy them directly, but they still dominate under the hood, just wearing an ETF costume. Overlap is only measured using ETF top 10s, so the real concentration is likely worse than it looks. You’re not “diversified into thousands of companies”; you’re heavily tied to a small elite club that everyone else also owns. Takeaway: this is less “owning the whole market” and more “owning the market’s front page repeatedly from slightly different angles.”
Factors
Factor exposure is dominated by momentum and size. Momentum at 52.3% means you’re heavily tilted to what’s been winning recently — classic “ride the hot hand” behavior. Size tilt (20%) leans toward larger companies. Factors are like the hidden flavor profile of your portfolio: momentum=chasing winners, size=big vs small, value=cheap vs expensive, etc. Here, the recipe is “big, fast-moving, popular stuff.” That works great in bull markets where trends persist, but when leadership flips, momentum can faceplant dramatically. Signal coverage is patchy, so the picture isn’t perfect, but the tilt is clear: you’re flooring the gas in cars that have already been speeding.
Risk contribution
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SPDR® MSCI World UCITS ETF EUR
Weight: 85.00% 87.1% -
iShares Core MSCI Emerging Markets IMI UCITS
Weight: 15.00% 12.9%
Risk contribution is who actually causes your portfolio’s mood swings, not just who takes up space. Here, the world ETF at 85% weight contributes about 87% of total risk, with the emerging markets ETF contributing the rest. So the big dog is not only the biggest by weight, it’s also hogging the volatility spotlight almost proportionally. No small sneaky troublemakers here; just one dominant driver and a sidecar. That’s efficient but slightly boring. General takeaway: when one holding is doing almost all the heavy lifting, you’d better be very sure you like its underlying index, because it owns your emotional roller coaster.
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 risk vs return chart, your portfolio sits right on the efficient frontier — meaning that, for these two holdings, you’re already using them in a mathematically efficient way. The Sharpe ratio of 0.66 is slightly below the optimal mix’s 0.74, but that “optimal” version also takes a bit more risk. The minimum variance mix has lower risk but doesn’t give you a huge upgrade in Sharpe either. The Efficient Frontier is basically the “no dumb choices” curve, and you’re on it, just not at the absolute sweet spot. Translation: structurally smart, not maximally geek-optimized, and that’s totally acceptable.
Ongoing product costs
- SPDR® MSCI World UCITS ETF EUR 0.12%
- iShares Core MSCI Emerging Markets IMI UCITS 0.18%
- Weighted costs total (per year) 0.13%
Costs are almost suspiciously low. A 0.13% total expense ratio is the financial equivalent of finding a decent coffee for one euro. Both ETFs are cheap core funds: this is exactly how you avoid the slow, silent wealth leak that high fees create. TER (Total Expense Ratio) is the annual cut the fund takes to exist, and here it’s barely nibbling on your returns. Dry compliment: you either knew what you were doing, or you lucked into the right products while clicking around. Takeaway: keep it this way. Adding fancy, expensive stuff for “spice” usually just spices up the fee line.
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