Roast mode 🔥

Chill global index smoothie trying very hard to pretend it is exotic and complex

Report created on Apr 13, 2026

Risk 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

This “portfolio” is basically three big index funds in a trench coat pretending to be sophisticated. One giant US chunk at 65%, a side of Europe at 20%, and a spoonful of emerging markets at 15%. That’s not intricate design; that’s “I sorted by popularity and stopped there.” The good news: it’s not dumb. It’s actually a textbook lazy global equity allocation, just slightly US-drunk. But with only three moving parts, every decision is loud. If something goes wrong, there’s nowhere to hide. The takeaway: simple can be powerful, but calling this “balanced” is generous — it’s 100% stock with a diversification hat on.

Growth Info

Performance-wise, this thing has been on a heater. €1,000 becoming €1,515 in under three years with an 18.49% CAGR beats both the US and global benchmarks by a hair. CAGR (Compound Annual Growth Rate) is basically your average speed on a very bumpy road trip; this car has been speeding nicely. But that -21% max drawdown? That’s the part where you briefly questioned life choices. And it still recovered in about six months, which is solid but not magical. Past data is like yesterday’s weather — useful, not psychic. Don’t get attached to 18% a year unless you also enjoy disappointment.

Projection Info

The Monte Carlo projection is the financial equivalent of running 1,000 alternate universes and seeing how your money ends up. Median outcome of €2,851 from €1,000 over 15 years at 8.32% a year is respectable, not legendary. The range is the fun part: €992 at the low end (basically “congrats, you went nowhere for 15 years”) up to €8,015 in the lucky timeline. Around 74% of simulations end positive, which is nice, but not a guarantee. Simulations are fancy guesses based on past behavior — helpful, but they don’t know about the next crisis any more than a horoscope does.

Asset classes Info

  • Stocks
    100%

Asset classes? What asset classes. This thing is 100% stocks like it’s allergic to bonds, cash, or anything remotely calming. For something labelled “balanced,” it’s more “emotionally balanced if you don’t mind occasionally watching -20% and pretending you’re fine.” Stocks-only is like driving with no brakes because you love momentum. It works amazingly until it doesn’t. If the goal is long-term growth and you can stomach the rollercoaster, fine. But anyone expecting smooth, stable progress out of this deserves the shock they’re going to get the next time markets throw a tantrum.

Sectors Info

  • Technology
    28%
  • Financials
    16%
  • Industrials
    11%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, this is a tech-flavored index soup. About 28% in technology, with the rest spread decently across financials, industrials, health care, and the usual suspects. The tech tilt means you’re basically betting that “the future will keep being the future,” which is not the worst thesis, but it does make you sensitive to tech bubbles and hype cycles. When tech sneezes, this portfolio catches pneumonia. The lower exposure to dull but steady stuff means you’re geared more toward growth and drama than stability. Takeaway: you’re not a full-blown sector junkie, but tech is clearly the favorite child here.

Regions Info

  • North America
    65%
  • Europe Developed
    20%
  • Asia Developed
    6%
  • Asia Emerging
    6%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is very “America first, but I’ll throw in some Europe and a token emerging market badge.” About 65% in North America, 20% in Europe, and the rest scattered thinly across developed and emerging Asia plus tiny Africa/LatAm slices. For a European-based investor, this is basically saying, “I like my home continent but I really trust US corporations with my future.” It’s not insane given market sizes, but it is a noticeable bias. When the US does well, you look brilliant. When it doesn’t, everything else is too small to fully bail you out.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    34%
  • Mid-cap
    16%
  • Small-cap
    1%

Market cap exposure says you’re unapologetically hanging out with the cool kids. Roughly 48% mega-cap, 34% large-cap, 16% mid-cap, and a lonely 1% in small-cap. This is the stock market equivalent of only knowing the headliners at a festival and pretending you’re into “the scene.” Big companies are generally more stable and liquid, which is great, but they’re also more efficiently priced and less explosive on the upside. You’ve basically outsourced your future to mega-corporations that already conquered the world. It’s safe-ish as equity portfolios go, but don’t expect tons of under-the-radar rocket ships here.

True holdings Info

  • NVIDIA Corporation
    4.93%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Apple Inc
    4.33%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Microsoft Corporation
    3.19%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Amazon.com Inc
    2.36%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class A
    1.95%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.74%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Broadcom Inc
    1.71%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class C
    1.56%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Meta Platforms Inc.
    1.45%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Tesla Inc
    1.21%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Top 10 total 24.44%

The look-through holdings scream “I believe in the tech gods, please don’t smite me.” NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — the usual mega-cap cult lineup. You don’t own companies; you own the same dozen names repeated until boredom. Overlap across broad ETFs means your risk isn’t as diversified as the fund names suggest. And this is only using ETF top 10s — the true overlap is higher. Think of it like ordering three different pizzas and all of them are just variations of pepperoni. The takeaway: broad funds can still give you hidden concentration in the same market darlings.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 65.00%
    70.3%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc)
    Weight: 20.00%
    15.6%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 15.00%
    14.1%

Risk contribution here is brutally simple: the S&P 500 ETF is the boss. It’s 65% of your weight but over 70% of your total risk. Risk contribution measures which holding actually shakes your portfolio when markets move — and this one’s doing most of the shaking. Europe and emerging markets are basically side characters. If the US market has a bad day, you have a bad day. If it has a crisis, you have a crisis times 0.7. The upside: at least the complexity is low. The downside: your fate is glued to one giant, noisy asset.

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, this portfolio is annoyingly competent. Sharpe ratio of 1.05 with return around 18% and risk around 13% sits right on or very near the efficient frontier. The efficient frontier is just the “best trade-offs possible” curve for your current ingredients. You’re not wasting much potential here — the optimal and minimum variance versions only tweak things slightly and barely improve the Sharpe. So no, there’s no dramatic fixer-upper story. You’re basically already driving the car close to how it wants to be driven. Don’t get smug, but also: this is not the part that needs fixing.

Ongoing product costs Info

  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • Weighted costs total (per year) 0.07%

Costs are probably the most impressive part of this whole operation — and that says a lot. A total TER of 0.07% is basically paying pocket lint to ride on the back of global capitalism. The individual funds are slightly higher, but the blended cost is dirt cheap. That’s money you’re not lighting on fire every year for some manager to hug an index and write smug letters. Either you deliberately picked low-cost building blocks, or you got lucky clicking the right ETFs. Either way, fees are not your problem; they’re actually one of the few areas you’ve absolutely nailed.

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