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A growth junkie portfolio trying to cosplay as a balanced and diversified grown up

Report created on Feb 15, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This setup screams “growth addict” hiding behind an ESG and “balanced” label. Half in a global SRI ETF, 30% piled into a Nasdaq tracker, then a small European ESG slice and a random high-dividend ETF stapled on like an afterthought. It’s basically one big equity rocket with a dividend sidecar pretending to be a shock absorber. Versus a typical balanced mix, this is far closer to an aggressive equity portfolio in disguise. If the goal is true balance, some boring stabilizers (like safer income or lower-volatility holdings) need to exist. Right now, the structure is great for bull markets and mildly delusional for anything uglier.

Growth Info

Historically, a 14.31% CAGR is the kind of number that makes people think they’re investment geniuses. CAGR (Compound Annual Growth Rate) is just the average yearly growth, like your average speed on a road trip where you ignored all speed limits. But that tasty return comes with a -21.45% max drawdown, meaning at one point you were down about a fifth. That’s not catastrophic for an all-equity setup, but it’s spicy for something labeled “balanced.” Versus plain global equity, you’ve essentially behaved like a classic growth portfolio. Just remember: past performance is yesterday’s weather — useful, but not a prophecy. Assume the next storm will not be identical.

Projection Info

The Monte Carlo results are basically saying, “Congrats, if markets keep behaving like the last decade on caffeine, you’re golden.” Monte Carlo simulation is just running thousands of “what if” futures by remixing historical patterns — like shuffling old market years into new sequences. A median outcome of +787% and all simulations positive looks amazing, but that’s also a red flag for over-optimism. Markets do not care about your pretty percentile chart. The 5th percentile still being +248% hints that the inputs are generous. Sensible use: treat these as “possible weather ranges,” not guaranteed maps. Build a plan that survives worse scenarios than those rosy histograms are showing.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% cash, 0% anything else. For a “balanced” risk profile, that’s like calling a sports car a family minivan because it has four seats. Being fully in equities means when markets fall, everything falls together and there’s no real parachute. A genuinely balanced structure usually mixes stocks with some form of stabilizer to smooth the ride. You’ve gone all-in on growth drivers instead. That’s fine if the time horizon is long and nerves are solid, but the label “Profile_Balanced” looks like marketing, not math. If the goal is less drama, adding a second asset class at some point would be more than just a cosmetic touch.

Sectors Info

  • Technology
    36%
  • Financials
    13%
  • Consumer Discretionary
    12%
  • Telecommunications
    10%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Energy
    1%

Sector tilt: heavy tech addiction at 36%, then a decent spread across financials, cyclicals, comms, etc. This is basically a Nasdaq-heavy world fund, unsurprisingly leaning into exactly what’s worked for the last decade. When tech is loved, this feels brilliant; when tech stumbles, suddenly everything in the portfolio seems to have caught a cold. The rest of the sectors are sprinkled around just enough to look diversified on a pie chart without actually rescuing you in a proper tech downturn. Sector concentration is like having most of your career tied to one industry — it’s fun until that industry hits a wall. Dialing back the growth cluster wouldn’t hurt.

Regions Info

  • North America
    81%
  • Europe Developed
    15%
  • Asia Developed
    2%
  • Australasia
    1%
  • Japan
    1%

Geography: 81% North America. So the slogan here is basically “America or bust.” Europe has a token 15%, and the rest of the world gets crumbs. You’re piggybacking on the dominance of US large-cap tech and friends, which has been a winning strategy for years — but that’s exactly why it’s risky to assume it continues forever. Global investing is supposed to mean not betting your future on one region’s policy decisions, interest rates, and regulatory temper tantrums. This setup is more “US with extras” than “world.” If the US goes into a long dull stretch while other regions shine, this portfolio will be too busy sulking to fully benefit.

Market capitalization Info

  • Large-cap
    45%
  • Mega-cap
    33%
  • Mid-cap
    22%

Market cap tilt: 78% stuffed into mega and big caps, 22% in mid caps, and exactly 0% in small caps. So you’ve basically decided that only the corporate giants deserve a seat at the table. That means lower blow-up risk than a tiny-cap carnival, but it also means you’re anchored to the slow-moving supertankers of the market. That’s not bad — it’s actually quite sane — but combined with the tech and US tilt, it’s a very narrow version of “global equities.” Small caps are not mandatory, but completely ignoring them is like ignoring an entire food group: you can survive, but you’re not exactly using the full menu of return drivers.

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 efficiency side, the optimization stats are politely telling you, “Nice try, but this isn’t maxed out.” An “efficient” portfolio just means you’re getting the best trade-off between risk and return — not fantasy-level high returns with no volatility. Here, there’s a more efficient mix with the same risk and slightly higher expected return, and the so-called optimal combo offers the same return number but with lower risk than what you’re running. Translation: you’re leaving some risk-return tidying on the table. This structure is solid but lazy — like a decent student who could get an A with 10% more thought about diversification, not more risk.

Dividends Info

  • iShares STOXX Global Select Dividend 100 UCITS ETF (DE) 3.90%
  • Weighted yield (per year) 0.39%

The dividend slice is 10% with a 3.9% yield, giving the whole portfolio a laughable 0.39% yield. So the dividend tilt is more cosmetic than functional — like putting a bike helmet on a race car and calling it “safer.” Dividends can help with stability and cash flow, but at this weight they’re not paying your bills or calming your portfolio in a crash. It’s more of a psychological comfort blanket: “Look, some income!” If income or smoother returns is a real goal, you’d need either a much larger defensive income portion or assets actually designed to hold up when markets are sulking, not just more equities that happen to cough up cash.

Ongoing product costs Info

  • iShares MSCI World SRI UCITS ETF EUR (Acc) 0.23%
  • iShares STOXX Global Select Dividend 100 UCITS ETF (DE) 0.46%
  • Amundi Nasdaq-100 II UCITS ETF Acc EUR 0.30%
  • Weighted costs total (per year) 0.25%

Costs are the one area where this setup looks suspiciously competent. A total TER around 0.25% is very reasonable, especially for ESG and factor-flavored ETFs. You’re not lighting money on fire with fees, so at least the drag isn’t coming from the cost side. In fee terms, this is closer to a disciplined index investor than a confused product collector. That said, low costs don’t magically fix concentration, correlation, or risk mismatches. It just means you’re riding the roller coaster cheaply. Keep costs low, sure — just don’t let the satisfaction of “my ETFs are cheap” distract from the fact that the underlying ride is still full-throttle equity.

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