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A portfolio that loves big American names more than diversification and low fees

Report created on Aug 16, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is like a party where the guest list is almost exclusively A-list celebrities with a few plus-ones. With a 30% stake in the S&P 500 and a 20% love affair with the NASDAQ-100, it's clear this portfolio leans heavily on the American dream. The addition of a global momentum factor ETF, an all-world ETF, and a small cap value weighted ETF seems like an attempt at diversification, but it's more like sprinkling parsley on a steak and calling it a salad.

Growth Info

Historically, this portfolio struts around with a CAGR of 12.45%, which might have you feeling like the belle of the ball—until you remember that past performance is like relying on last year's fashion trends to guide this year's wardrobe choices. With a max drawdown of -24.26%, it's clear that when the market sneezes, this portfolio catches a cold. Relying so heavily on those 13 golden days for returns is like betting your retirement on a lottery ticket.

Projection Info

Monte Carlo simulations with this portfolio are like playing financial roulette, and while the house always wins, you might not. With a spread from a 50.7% increase at the 5th percentile to a 512.8% increase at the 67th, it's a wild ride. Just remember, Monte Carlo is about probabilities, not guarantees, so don't start planning that yacht party just yet.

Asset classes Info

  • Stocks
    100%

With stocks making up 100% of the portfolio, it's like going to Vegas and putting all your chips on red. Sure, it's thrilling, but where's the safety net? A little bond action or even some real estate could have softened those drawdowns and added a layer of protection against stock market volatility. Diversification across asset classes isn't just a fancy term; it's financial common sense.

Sectors Info

  • Technology
    30%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    3%
  • Basic Materials
    2%
  • Real Estate
    2%

This portfolio has a 30% technology sector tilt, making it clear someone has a tech addiction. While tech stocks have been the cool kids on the block, betting so heavily on one sector is like wearing sunglasses at night—cool until you trip over something. The underrepresentation of other sectors could leave you vulnerable to sector-specific downturns.

Regions Info

  • North America
    87%
  • Europe Developed
    7%
  • Japan
    2%
  • Asia Emerging
    1%
  • Asia Developed
    1%
  • Australasia
    1%

With 87% of assets in North America, this portfolio has a serious case of home bias. It's like traveling abroad and eating only at McDonald's. Yes, the U.S. market is a behemoth, but ignoring the growth potential and diversification benefits of other regions is a missed opportunity. Global markets can offer growth, value, and a hedge against U.S. market downturns.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    30%
  • Mid-cap
    14%
  • Small-cap
    10%
  • Micro-cap
    4%

The allocation leans heavily towards mega and big caps, which is like always betting on the heavyweight champion. While they're less likely to get knocked out in the first round, they also don't have the nimbleness of smaller companies to adapt and grow quickly. You're missing out on the potential high returns (and yes, high risk) that smaller cap companies can offer.

Redundant positions Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    iShares Core S&P 500 UCITS ETF USD (Acc)
    High correlation

The high correlation between the Vanguard FTSE All-World ETF and the iShares Core S&P 500 ETF is like buying two different brands of vanilla ice cream and expecting one to taste like chocolate. It's not just about having different assets; it's about having assets that behave differently under various market conditions. This portfolio's approach to diversification is more cosmetic than functional.

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.

Efficiency isn't just for cars. This portfolio's risk-return trade-off is like driving a gas-guzzler in an eco-friendly race. Sure, it'll get you there, but at what cost? By not optimizing for the Efficient Frontier, you're missing out on the sweet spot of maximum return for a given level of risk. It's time to tune-up your portfolio engine.

Ongoing product costs Info

  • Invesco EQQQ NASDAQ-100 UCITS ETF Acc 0.35%
  • iShares MSCI World Momentum Factor UCITS 0.30%
  • iShares Core S&P 500 UCITS ETF USD (Acc) 0.12%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • SPDR® MSCI USA Small Cap Value Weighted UCITS ETF USD Acc EUR 0.30%
  • Weighted costs total (per year) 0.24%

The total TER of 0.24% isn't the worst offender, but it's not winning any awards for frugality either. With ETF fees ranging from 0.12% to 0.35%, it's like paying for a premium coffee when a regular one would do. In the world of investing, every little bit counts, and those fees can eat into your returns over time.

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