Sensible index skeleton wearing a tech hoodie and pretending to be a cautious portfolio
Report created on Apr 10, 2026Risk 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
-
EU iShares Core MSCI World UCITS ETF USD (Acc) EUR
EUNL - IE00B4L5Y983 75.00% -
EU iShares MSCI EM UCITS ETF USD (Acc)
EUNM - IE00B4L5YC18 15.00% -
PP iShares Physical Gold ETC EUR
PPFB - IE00B4ND3602 10.00%
The composition is basically a three-ingredient stew: 75% global stocks, 15% emerging markets, 10% gold. Simple is fine, but this is “I copied the textbook and added a shiny rock” energy. For something labeled cautious, 90% in equities screams more “optimistic millennial” than “capital-preserving retiree.” The structure leans heavily on one big equity fund doing almost all the work, with EM as the spicy side dish and gold as the emotional support trinket. Takeaway: this is a classic lazy-core portfolio with a slight drama flair; if the goal is true caution, the risk label is lying more than the holdings are.
Growth
Performance-wise, this thing did… annoyingly well. 11.13% CAGR from mid-2021, turning €1,000 into €1,657, while global markets lagged behind. CAGR is just your average annual speed over a bumpy road trip. Max drawdown of -18.85% is very mild for a 90% equity portfolio, especially compared to the deeper hits in the benchmarks. The US market beat it by a hair, but with uglier drawdowns. Takeaway: historically, this portfolio has punched above its weight with smaller bruises, but remember past data is yesterday’s weather — useful, not prophetic.
Projection
The Monte Carlo projection says, “Probably fine, but don’t get cocky.” Monte Carlo is just a fancy slot machine of many possible futures, rerolling returns a thousand times to see the spread. Median outcome takes €1,000 to about €2,619 in 15 years, which is meh-but-decent. But the range from roughly €930 to €7,182 says the future is chaos dressed as math. Cash being lower over the long run isn’t shocking, but 26% of scenarios still end flat or negative. Takeaway: odds are in your favor, but not so much that you can nap through the next crash.
Asset classes
- Stocks 90%
- Other 10%
Asset class mix: 90% stocks, 10% “Other,” which here is gold pretending to be your crash helmet. For a “cautious” profile, this is equity-heavy bordering on cheeky. Gold’s risk contribution is tiny, so emotionally it looks like security, but mathematically it’s more of a decorative seatbelt. When markets run, this structure flies; when markets tank, it still bleeds — just slightly less than an all-equity purist. Takeaway: this is a growth portfolio lightly sprinkled with risk guilt, not a truly defensive setup. Calling this cautious is like calling espresso a mild drink.
Sectors
- Technology 25%
- Financials 15%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector breakdown screams modern index junkie: 25% technology, decent chunks in financials and industrials, with the rest sprinkled thinly like seasoning. Tech addiction detected — one quarter of the portfolio riding on the “everything will be solved by chips and software” story. Real estate, utilities, and other boring-but-stable types barely exist. That’s fine if you’re chasing growth, but let’s not pretend it’s balanced in temperament. Takeaway: sector exposure is growth-leaning and future-optimistic; if tech goes out of fashion, this thing suddenly looks a lot less clever.
Regions
- North America 56%
- Europe Developed 12%
- Asia Developed 7%
- Asia Emerging 6%
- Japan 4%
- Africa/Middle East 1%
- Latin America 1%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, it’s very “America and friends.” About 56% in North America, and then Europe, Japan, and assorted regions picking up scraps. Emerging markets get a non-trivial slice thanks to that dedicated EM fund, but they’re still the sidekick, not the hero. This is basically a globalization portfolio that quietly believes the US will continue to run the show. That’s a common bet, but it is a bet. Takeaway: the world is technically represented, but the steering wheel is firmly in US hands — don’t call this neutral, call it “US-led global.”
Market capitalization
- Mega-cap 44%
- Large-cap 31%
- Mid-cap 14%
This breakdown covers the equity portion of your portfolio only.
Market cap exposure is a love letter to giants: 44% mega-cap, 31% large-cap, 14% mid-cap, and not a whisper about small caps. You’ve effectively decided tiny companies don’t exist, or at least don’t deserve a seat at the table. This makes the ride smoother than a small-cap-heavy setup, but also more tied to the fate of a few enormous names dominating indexes. Takeaway: this is stability-by-scale, which works until those top dogs stumble together; just remember, “big” and “invincible” are not the same thing.
True holdings
-
NV NVIDIA Corporation 3.78%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AA Apple Inc 3.41%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
MS Microsoft Corporation 2.44%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.98%
Part of fund(s):- iShares MSCI EM UCITS ETF USD (Acc)
-
AM Amazon.com Inc 1.78%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class A 1.59%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class C 1.33%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AV Broadcom Inc 1.26%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
ME Meta Platforms Inc. 1.24%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
TS Tesla Inc 1.00%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- Top 10 total 19.82%
Under the hood, the usual suspects are loitering at the top: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, TSMC, Broadcom. You basically own the “Who made my phone and my addiction?” index. Overlap across the ETFs means these names quietly pile up, even if they look tiny individually. And that’s based on only top-10 ETF holdings — the real duplication is almost certainly higher. Hidden concentration like this means when mega-cap tech sneezes, your portfolio catches pneumonia. Takeaway: you’re more tied to a handful of giants than the tidy fund list suggests.
Risk contribution
-
iShares Core MSCI World UCITS ETF USD (Acc) EUR
Weight: 75.00% 82.6% -
iShares MSCI EM UCITS ETF USD (Acc)
Weight: 15.00% 15.2% -
iShares Physical Gold ETC EUR
Weight: 10.00% 2.2%
Risk contribution totally outs your real boss: the 75% World ETF is causing 82.55% of the total risk. EM is 15% of weight, 15.22% of risk — neat and proportional. Gold, though, is 10% of the portfolio and just 2.23% of the risk, basically the quiet kid in the corner. Risk contribution is who’s actually shaking the portfolio, not just who looks big on paper. Takeaway: you have a single holding doing almost all the heavy lifting; trimming or balancing that would meaningfully change how this behaves in rough markets.
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 Efficient Frontier chart is where the roast heats up. Your current portfolio has a Sharpe ratio of 0.57 at 12.82% risk and 11.32% return. Sharpe is just “return per unit of pain.” The optimal mix of the exact same holdings could hit a Sharpe of 1.43 with higher returns and slightly lower risk. You’re sitting 7.81 percentage points below the frontier — that’s not suboptimal, that’s leaving a buffet early. Takeaway: with nothing but smarter weighting, this could be dramatically more efficient; the raw ingredients are good, but the recipe is lazy.
Ongoing product costs
- iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
- iShares MSCI EM UCITS ETF USD (Acc) 0.18%
- Weighted costs total (per year) 0.18%
Costs are almost frustratingly reasonable. TER around 0.18–0.20% is cheap, especially for broad global and EM exposure. You’re basically paying budget airline prices and somehow not sitting in the cargo hold. There’s nothing to seriously roast here — you avoided the usual trap of shiny but overpriced products. The only mild jab: when everything else is this simple and low-cost, there’s no excuse later if performance lags; you can’t even blame fees. Takeaway: fee drag is under control; you actually gave your future returns a fighting chance by not lighting money on fire.
What next?
Create your own report?
Join our community!
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