Roast mode 🔥

A small cap obsessed portfolio pretending to be balanced while secretly chugging equity rocket fuel

Report created on Jan 15, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This setup is basically “100% global stocks in a trenchcoat” trying to sneak past as a balanced, sensible portfolio. Seventy percent in global small caps, then 15% in broad world and 15% in emerging markets is like ordering a “balanced” meal that’s just three kinds of burgers. Yes, the wrappers are different, but it’s still all beef. For a supposedly balanced profile and risk score of 4 out of 7, this is very much an equity-only joyride. If the goal is true balance, mixing in stabilizers like high-quality bonds or other low-volatility assets would make the label match the reality a bit better.

Growth Info

Historically, a 10.27% CAGR (Compound Annual Growth Rate — your average speed over the whole trip) is nothing to be ashamed of; that’s solid. But a max drawdown of –37.63% means at some point this thing went down the elevator shaft. A “balanced” setup should bleed less in bad times; this bleeds like a pure stock fund because, well, it is one. Compared loosely to a global 60/40-type mix, you’re taking more hits to the face for extra growth. If that level of damage feels too spicy, dialing down equity exposure would reduce the emotional and financial whiplash.

Projection Info

The Monte Carlo results are basically a bunch of computer-simulated futures: 1,000 alternate timelines for your money. Median outcome of +260% is great, but that 5th percentile of +10.8% is the rude reminder that “not losing much” can still feel like wasting a decade. Annualized simulated return of 11.40% looks optimistic but remember: simulations are yesterday’s weather dressed up as tomorrow’s forecast. The machine assumes the future vaguely rhymes with the past. If you want those ugly scenarios to hurt less, cutting pure equity reliance and smoothing risk would make the lower-end outcomes a lot more survivable.

Asset classes Info

  • Stocks
    100%

Calling this “broadly diversified” across asset classes is generous. It’s 100% stocks, 0% bonds, 0% anything else. That’s like calling someone’s wardrobe “diversified” because they own three shades of black T-shirts. There’s no real cushion here: when stocks get punched, everything goes down together, and there’s no boring asset sitting in the corner quietly keeping things steady. For someone actually wanting a balanced experience, introducing a proper chunk of defensive assets — think lower-volatility, income-producing holdings — would make crashes less dramatic and reduce the need to sit through gut-wrenching drawdowns.

Sectors Info

  • Technology
    17%
  • Industrials
    17%
  • Financials
    15%
  • Consumer Discretionary
    12%
  • Health Care
    9%
  • Basic Materials
    7%
  • Real Estate
    6%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Energy
    4%
  • Utilities
    3%

Sector-wise, it’s actually not a total disaster: technology 17%, industrials 17%, financials 15%, cyclicals 12%. This is more “global stock index with a small-cap twist” than some weird meme concentration. Still, 12% consumer cyclicals plus exposure to small caps turns downturns into a pro-cyclicality party — everything that’s sensitive to economic mood swings shows up at once. Compared with a plain global index, you’re leaning slightly more toward the economically sensitive stuff. If the goal is to avoid feeling every business cycle in the spine, nudging exposure toward more defensive areas over time could calm the ride a bit.

Regions Info

  • North America
    57%
  • Europe Developed
    13%
  • Japan
    9%
  • Asia Emerging
    7%
  • Asia Developed
    6%
  • Australasia
    3%
  • Africa/Middle East
    3%
  • Latin America
    1%

Geographically, it screams “America is home base and everything else is seasoning”: 57% North America, only 13% developed Europe, 9% Japan, and a modest sprinkling of emerging markets and other regions. That’s not wildly different from mainstream global indexes, but for someone in the UK, it’s still a pretty heavy bet on US market dominance and currency exposure. It’s fine as long as Uncle Sam behaves; less fun if US valuations deflate for a decade. A more neutral global mix — especially with a bit more home-region and diversified international tilt — could reduce dependence on one country’s fate.

Market capitalization Info

  • Small-cap
    35%
  • Mid-cap
    29%
  • Mega-cap
    15%
  • Large-cap
    10%
  • Micro-cap
    10%

This is where the portfolio quietly admits its gambling habit: 35% small caps, 29% mid caps, only 25%-ish in big/mega, plus 10% micro. That’s a serious tilt toward the scrappy end of town. Small and micro caps can deliver strong long-term growth, but they also wobble like a shopping trolley with one broken wheel. Compared to a typical global index dominated by mega and large caps, this is much more volatile. If the goal is to sleep well and still grow wealth, toning down the tiny-company obsession and adding more large-cap ballast would make the ride a lot more tolerable.

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 risk vs return, this portfolio is the slightly inefficient friend who works hard but never optimizes their commute. The analysis says: with the same risk, an expected return of 13.19% is possible versus what you’ve got now. That’s basically saying you’re not sitting on the efficient frontier — the “best bang for your risk buck” line. Also, the so-called optimal portfolio has that same 13.19% expected return at a 17.02% risk level. Translation: you could reorganize and get more expected return without cranking up volatility. Tightening asset mix, smoothing small-cap overload, and adding smarter diversifiers would move you closer to that better risk–reward zone.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares Core MSCI World UCITS ETF USD (Acc) 0.20%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) 0.35%
  • Weighted costs total (per year) 0.30%

Costs are the one area where this thing isn’t trolling you. A total TER around 0.30% with ETFs at 0.18–0.35% is actually impressively sane — you clearly avoided the “1.5% fee because glossy brochure” trap. Still, fees compound like everything else, so pretending they don’t matter would be lazy. Keeping costs low is one of the few guaranteed wins in investing. As you tweak structure or add stabilizing assets, it’s worth making sure you keep that low-cost discipline instead of wandering into fancy, overpriced products that look clever and quietly siphon performance.

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