Balanced and highly diversified portfolio with a strong focus on global equities and technology

Report created on Jul 19, 2025

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.

What type of investor this portfolio is suitable for

Balanced Investors

This portfolio is well-suited for an investor seeking balanced growth with a moderate risk tolerance and a long-term investment horizon. It's designed for individuals who appreciate global exposure and are comfortable with a significant allocation to equities, particularly in the technology sector. This investor type values diversification and is looking to build wealth steadily, understanding that the blend of stocks and bonds can help navigate through various market cycles with a moderate level of volatility.

Positions

This portfolio showcases a strategic blend of 80% equities and 20% bonds, with a significant allocation in the Vanguard FTSE All-World UCITS ETF USD Accumulation, ensuring global exposure. The inclusion of the iShares Global Aggregate Bond UCITS ETF and the Invesco NASDAQ-100 Swap UCITS ETF Acc diversifies the portfolio across asset classes and sectors, with a notable emphasis on technology. This composition aligns with a balanced risk profile, aiming to mitigate volatility while seeking growth through global equity markets.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 9.55%, with a maximum drawdown of -25.84%. This performance indicates a relatively stable growth trajectory, with resilience during market downturns. The days contributing to 90% of returns highlight the impact of significant market movements on portfolio performance. Comparing this to benchmarks, the portfolio's balance between growth and risk management appears well-calibrated.

Projection Info

Monte Carlo simulations, using 1,000 iterations, project a median potential growth of 175.8% under current conditions, with a notable 94.4% of simulations yielding positive returns. This forward-looking analysis suggests a robust growth potential, though it's important to remember that these projections are based on historical data and cannot guarantee future outcomes.

Asset classes Info

  • Stocks
    80%
  • Bonds
    20%

The allocation to 80% stocks and 20% bonds is a classic balanced portfolio structure, aimed at long-term growth with moderated risk. This mix allows for participation in equity market gains while using bonds to provide stability during market volatility. The absence of alternative asset classes, such as commodities or real estate, might limit diversification benefits but simplifies the investment strategy.

Sectors Info

  • Technology
    26%
  • Financials
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Industrials
    7%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%

With technology constituting 26% of the portfolio, followed by financial services and consumer cyclicals, the sector allocation reflects a growth-oriented strategy. However, the heavy emphasis on technology could expose the portfolio to sector-specific risks, such as regulatory changes or market sentiment shifts. Balancing this with investments in more stable sectors, like healthcare or consumer defensive, could mitigate such risks.

Regions Info

  • North America
    58%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic distribution, heavily weighted towards North America (58%), provides strong exposure to the world's largest equity market. However, the relatively low allocation to emerging markets and developed regions outside North America could limit exposure to global growth opportunities. Increasing investments in underrepresented regions may enhance diversification and capture growth in different economic cycles.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    27%
  • Mid-cap
    12%

The focus on mega and big-cap stocks (67% combined) suggests a preference for stability and established companies, which is suitable for a balanced risk profile. However, the absence of small and micro-cap investments might limit potential high-growth opportunities. Introducing a small allocation to these market caps could enhance growth prospects while adding a manageable level of risk.

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.

The portfolio's current allocation demonstrates a strong balance between risk and return, as evidenced by its historic performance and Monte Carlo projections. While the Efficient Frontier suggests this portfolio is near optimal for its current assets, slight adjustments, such as increasing exposure to underrepresented sectors or geographies, could potentially offer a better risk-return trade-off without dramatically altering the portfolio's balanced nature.

Ongoing product costs Info

  • iShares III Public Limited Company - iShares Global Aggregate Bond UCITS ETF 0.10%
  • Invesco NASDAQ-100 Swap UCITS ETF Acc 0.20%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Weighted costs total (per year) 0.19%

With a total expense ratio (TER) of 0.19%, the portfolio benefits from relatively low costs, supporting better long-term performance. Lower costs mean more of the investment's return is retained, a crucial factor in compounding growth over time. Continuously monitoring and minimizing investment costs remains a key strategy for enhancing portfolio efficiency.

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