This portfolio has only about 1.6 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A rollercoaster
A meaningful slice of this is crypto. Hope you like the ride at 3am.
via GIPHY Roast mode 🔥

Diversified on paper but really just a global tracker with training wheels and a lucky streak

Report created on Jul 17, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio looks diversified at first glance, then you realize it’s mostly one big global equity ETF with a few side quests. Two-thirds is the FTSE All-World fund doing the heavy lifting, with a 10% gold trinket, 10% parked in an overnight cash-like ETF, and a tiny sprinkle of small-cap value, EM, and a 1% Bitcoin flex. It’s like building an entire restaurant menu and then serving 90% spaghetti. Structurally it’s simple, but the bolt-on positions feel more like afterthoughts than a coherent design. With only about 1.6 years of history, it’s way too early to declare this mix a clever masterplan rather than just “global tracker plus some hobbies.”

Growth Info

Over this short 1.6‑year window, the portfolio turned €1,000 into about €1,217, a 13.28% CAGR. That’s slightly behind the global market by a rounding error and ahead of the US market by a few percentage points, so nothing to gloat or cry about. Max drawdown of -16.83% was milder than both benchmarks, which is what happens when you strap some gold and cash-like exposure onto a global equity core. But this is all based on a tiny slice of time — it’s basically judging a marathon runner after the first 500 meters. Past returns here are more “vibe check” than meaningful track record.

Projection Info

The Monte Carlo simulation is doing its best tarot-card impression using only 1.6 years of data, so take the numbers with a truckload of salt. It says €1,000 might most likely land around €2,616 after 15 years, with a wide “maybe” zone from about €1,081 to €6,562. Monte Carlo just reruns thousands of alternate histories based on recent volatility and returns, which in this case is like basing your climate model on last summer’s weather. The broad takeaway: there’s a decent chance of positive long-run growth, but the range of outcomes is huge, and the inputs are way too fresh to feel reliable.

Asset classes Info

  • Stocks
    79%
  • Other
    10%
  • No data
    10%
  • Crypto
    1%

Asset class mix says 79% stocks, 10% “Other,” 10% “No data,” and 1% crypto. So most of the engine is equities, with a modest anti-anxiety cocktail of gold, overnight-rate exposure, and a tiny crypto lottery ticket. That mystery “No data” bucket is basically the black box no one wants to open, and we’re not told what’s inside, so no guesses. Overall, this is sold as “cautious,” but almost four-fifths in stocks is still very much risk-on; the safety gear is there, it’s just not running the show. With limited history, it hasn’t really been stress‑tested in uglier markets yet.

Sectors Info

  • Technology
    21%
  • Financials
    14%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    6%
  • Health Care
    6%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%
  • Crypto
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this thing is a tech-adjacent global salad: 21% technology, 14% financials, then a mix of industrials, consumer names, and a scattering of everything else. The tech chunk isn’t outrageous these days, but it does mean a lot of the mood is set by a handful of big, expensive darlings powering global indices. That 1% crypto shows up as its own “sector,” which is generous for what is essentially a sideshow. Because this is mostly a broad world tracker, the sector mix is basically “whatever the global market is obsessed with right now,” not a carefully curated tilt — and again, 1.6 years of data hasn’t seen a full sector cycle.

Regions Info

  • North America
    50%
  • Europe Developed
    11%
  • Asia Developed
    5%
  • Japan
    5%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this portfolio screams “US and friends,” with 50% in North America and the rest dribbled across Europe, Japan, developed Asia, and small slices of emerging regions. It’s basically global diversification with a big American accent — very on-brand for broad world indices. That isn’t automatically bad, it just means a lot of risk is tied to one economic and currency bloc whether that was the intention or not. The tiny allocations to emerging and less-loved regions barely move the needle. Over just 1.6 years, this home-on-America bias looks fine, but we’ve not seen how this mix behaves in a long, rough global rotation.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    23%
  • Mid-cap
    13%
  • Small-cap
    5%
  • Micro-cap
    4%

This breakdown covers the equity portion of your portfolio only.

The market cap split leans hard into big and boring: 33% mega-cap, 23% large-cap, then a tail of mid, small, and micro. The Avantis small-cap value fund tries to inject some scrappiness, but with only 10% weight, it’s basically the garnish on a mega-cap burger. This tilt towards giants means performance is heavily driven by the same handful of global behemoths that dominate every headline and index. That makes the portfolio feel “safe” until those behemoths have a bad decade. With such a short performance window, it hasn’t really seen what happens when small caps or underdogs actually take the lead for a while.

True holdings Info

  • NVIDIA Corporation
    3.13%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Apple Inc.
    2.85%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    2.11%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Amazon.com Inc
    1.64%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    1.40%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Broadcom Inc
    1.31%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.26%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    1.13%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    0.88%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tesla Inc
    0.78%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 16.49%

This breakdown covers the equity portion of your portfolio only.

Look-through shows the usual suspects hogging the stage: NVIDIA, Apple, Microsoft, Amazon, Alphabet (twice), plus Meta and Tesla. None are held directly, yet they still eat up nontrivial exposure via the ETFs. That’s the hidden concentration tax of using broad market funds: you think you’re wildly diversified, but a small megacap cartel actually sets the tone. And remember, this is only based on ETF top‑10 holdings, so true overlap is almost surely higher. Over just 1.6 years, riding these names has worked fine; whether that continues is an open question the current data window is way too short to answer.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 66.67%
    78.2%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 10.00%
    12.1%
  • Xetra-Gold
    Weight: 10.00%
    6.1%
  • Avantis Emerging Markets Equity UCITS ETF
    Weight: 2.33%
    2.8%
  • Bitcoin
    Weight: 1.00%
    0.8%
  • Top 5 risk contribution 100.0%

Risk contribution lays it bare: the Vanguard global ETF is 66.67% of the weight but a hefty 78.23% of the risk. Translation: it’s the main character, everyone else is supporting cast. The small-cap value position at 10% weight adds over 12% of risk, proving that smaller stocks may be “diversifying” but not exactly calm. Meanwhile, gold and Bitcoin barely dent the risk radar despite sounding edgy. The top three holdings drive a ridiculous 96.40% of portfolio risk, so all those smaller satellites mostly exist for psychological comfort. In a real storm, this behaves like one big global equity position with a small safety net attached.

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.

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The efficient frontier chart is basically yelling that this portfolio is leaving performance on the table. Sharpe ratio of 0.88 versus a max-Sharpe option of 1.44 using the same ingredients is like cooking with good ingredients and then burning half of them. At the current risk level, the portfolio sits about 5.72 percentage points below what’s theoretically achievable just by reweighting. Even more amusing: the minimum-variance portfolio here has a ludicrous Sharpe above 4 because it’s barely taking any risk at all. With such a short history, these numbers are fragile, but the message is clear: the mix isn’t efficient, it’s just convenient.

Ongoing product costs Info

  • Xetra-Gold 0.36%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C 0.10%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR 0.39%
  • Avantis Emerging Markets Equity UCITS ETF 0.35%
  • Weighted costs total (per year) 0.22%

Costs are almost disappointingly sensible. A total TER around 0.22% is low enough that there’s nothing dramatic to roast — you’re not lighting money on fire for the privilege of owning standard building blocks. The slightly pricier Avantis funds bump things up a bit, but not to clownish levels. This is the one part of the portfolio where it looks like someone actually paid attention instead of clicking at random. Over decades, even small fees matter, but on the spectrum from “cheap indexer” to “wallet abuse,” this sits comfortably in the “you probably sleep fine” zone. No comedy gold here, just functional frugality.

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