Roast mode 🔥

Comfortable index hugger with bonus factor sprinkles and a mild case of redundancy addiction

Report created on Apr 17, 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

Structurally, this is the “I like indexes but also want to feel clever” portfolio. Half the money is parked in two giant one-size-fits-all funds (S&P 500 and ACWI), and the other half is scattered across factor products like value and momentum to look sophisticated. The problem: S&P 500 plus ACWI is basically buying the US twice and the rest of the world once, then adding factor funds that largely fish in the same developed-markets pond. It’s diversified on paper but slightly repetitive in practice. Takeaway: the basic architecture is fine, but you’re paying for variety and getting different flavors of the same global equity stew.

Growth Info

Historically, this thing has been on a bit of a heater. A €1,000 stake turning into €1,629 in under three years with a 22% CAGR is strong, especially beating both US and global markets by about 4 percentage points a year. Max drawdown of -20% is no joke, but still slightly better behaved than the benchmarks. Twenty-one days made up 90% of returns, which is normal for equities but still a nice reminder that missing a handful of good days wrecks the story. Past data is like yesterday’s weather: encouraging sunshine here, but it doesn’t sign a contract for tomorrow.

Projection Info

The Monte Carlo simulation basically threw this portfolio into a thousand alternate futures and asked, “How often does this not suck?” Median outcome of €2,753 after 15 years on €1,000 is decent, with an 8.28% annualized return across all scenarios. But the range is wide: from roughly break-even (€974) to “I got lucky” territory (€8,366). That’s the nature of equity-heavy portfolios — they’re rollercoasters with decent long-term odds, not savings accounts. Simulations use past volatility and returns, which is like driving forward using the rear-view mirror: better than blindfolded, still not prophecy. The message: expect turbulence, not a smooth upward line.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, zero subtlety. This is a pure-equity personality — no bonds, no cash buffer mentioned, no diversification by asset type. For a “balanced” risk label, this is more “balanced in spirit, not in substance.” When everything is in equities, downturns are a full-contact sport; there’s nowhere to hide when markets dive. That’s fine if the time horizon is long and the stomach is strong, but it’s a bit optimistic to call this truly balanced. Takeaway: if the goal is growth and volatility is acceptable, this setup fits; if stability is desired, this is not it.

Sectors Info

  • Technology
    27%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    8%
  • Health Care
    8%
  • Telecommunications
    7%
  • Basic Materials
    5%
  • Energy
    5%
  • Consumer Staples
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, this portfolio talks a big diversification game but clearly has a tech crush: 27% in technology, with financials and industrials trailing well behind. It’s not a total tech maniac, but the tilt is obvious — especially when the top look-through holdings are mostly tech or tech-adjacent. This means a lot rides on one broad theme: innovation keeps winning and the big platforms stay dominant. If that stops, the portfolio doesn’t implode, but it will sulk. The rest of the sectors are sprinkled in like garnish rather than main dishes. Takeaway: it’s diversified, just heavily leaning on the tech growth engine.

Regions Info

  • North America
    54%
  • Europe Developed
    22%
  • Asia Developed
    9%
  • Asia Emerging
    6%
  • Japan
    4%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Europe Emerging
    1%
  • Australasia
    1%

Geographically, this is “mostly America with some world on the side.” North America at 54% is the clear boss, with Europe Developed at 22% providing a sidekick role, and the rest of the planet fighting over scraps. For a global portfolio, it’s actually surprisingly sensible, if predictably US-centric — which happens to mirror global market weights reasonably well. The good news: it’s not some home-biased mess; the world outside one region at least exists here. The downside: fortunes are still tied primarily to one market’s mood swings. Takeaway: global enough to pass the test, but clearly America is calling most of the shots.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    37%
  • Mid-cap
    14%

Market cap exposure screams “I like big stocks and I cannot lie.” With 47% in mega-cap and 37% in large-cap, this is essentially a who’s-who of the corporate giants, with mid-caps playing a minor supporting role. Smaller companies barely get a look-in. That means lower idiosyncratic risk but also less exposure to potential high-growth upstarts. It’s the blue-chip fan club: stable-ish, well-known businesses that dominate indexes and news headlines. Takeaway: this tilt is standard for index-heavy portfolios, but anyone hoping for serious small-cap spice isn’t getting it here — this is a large-cap comfort blanket.

True holdings Info

  • NVIDIA Corporation
    3.72%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    3.21%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.30%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.04%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Amazon.com Inc
    1.81%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.47%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.31%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.20%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.10%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    0.87%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 19.04%

The look-through holdings confirm the dirty little secret: this “diversified” setup worships the same megacap tech altar as everyone else. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — the usual suspects — are everywhere, just wearing different ETF name tags. Because this only covers ETF top-10 positions, real overlap is almost certainly higher. Hidden concentration means fewer actual independent bets than the fund list suggests. It’s like ordering five different combo meals and discovering they all come with the same fries. Takeaway: diversification by ticker count is fake comfort; underlying company overlap is what really matters.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 30.00%
    31.1%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 30.00%
    29.8%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    15.2%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc)
    Weight: 15.00%
    14.9%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    9.0%

Risk contribution is where the quiet truths show up. Despite the clever factor window dressing, the top three positions (S&P 500, ACWI, and EM value) drive over 76% of total portfolio risk. Their risk/weight ratios are basically 1-to-1, meaning they’re pulling exactly as hard as their sizes suggest — no massive hidden bomb, but also no real diversification heroics. The “edgy” factor funds are not drastically altering the risk picture; they’re just adding a bit of seasoning. Takeaway: if something goes wrong, it’ll likely be in those big core holdings first, not the smaller, fancier satellites.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

Correlation-wise, the S&P 500 ETF and the ACWI ETF move almost identically — which is the least surprising plot twist here. ACWI already has a big US chunk, so stacking S&P 500 on top is basically saying, “I’d like more of what’s already the main ingredient, thanks.” Correlation just measures how often two things move in the same direction; high correlation means they’re basically market twins. So yes, you’re diversified across tickers, but a big chunk of this portfolio is just a slightly louder version of the same global equity song. Takeaway: two highly correlated cores is fine, just not particularly imaginative.

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–return chart, the portfolio is doing fine but not exactly showing off. A Sharpe ratio of 1.25 (reward per unit of risk) is solid, yet it sits about 2.5 percentage points below the efficient frontier at its current risk level. Translation: with the exact same ingredients, a better recipe exists. The optimal portfolio version using these holdings only delivers higher expected return (26.82%) for slightly more risk, and even the minimum-variance mix gets a better Sharpe. Right now, the weights are like a half-good guess, not a fully tuned setup. Takeaway: reweighting could squeeze more juice out of the same oranges.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc) 0.25%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.26%

Costs are… surprisingly sane. A total TER of 0.26% across a stack of branded ETFs is pretty reasonable. Sure, ACWI at 0.45% is on the pricier side for what is basically global beta in a fancy wrapper, but the cheaper factor funds pull the blended cost down. You’re not being fleeced, but you’re not in ultra-budget mode either. Think “premium economy,” not private jet, not cattle class. Takeaway: fees are under control — you managed to avoid the classic trap of paying hedge-fund prices for index-fund behavior.

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