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Two funds one continent and a whole lot of tech worship pretending to be diversified

Report created on May 3, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This “balanced” portfolio is basically a giant S&P 500 balloon with a tiny emerging markets value sticker on the side. Two funds, 100% stocks, and 85% of the money doing whatever the US market feels like today. Calling this moderately diversified is generous; it’s more like a one-man band with a backup tambourine. Structurally it’s simple to the point of laziness: one broad US core plus a bolt‑on factor bet in places where volatility goes to stretch its legs. The result is a portfolio that looks tidy on paper but depends heavily on the mood swings of a single market and style choice.

Growth Info

Historically, this thing has been riding with the winners. A €1,000 stake turning into €1,660 in under three years is nothing to complain about, especially while beating both US and global markets by a couple of percentage points a year. But that shiny 22.43% CAGR is from a very specific, very friendly window. CAGR is just the smoothed average growth rate; it hides the stomach drops like that -22.63% drawdown. Twenty days delivering 90% of returns also screams “don’t miss the party days.” Past data is basically yesterday’s weather: useful, but it doesn’t promise the next storm behaves the same way.

Projection Info

The Monte Carlo projection politely says, “Yeah, this could go great… or not.” Simulations spit out a median of about €2,764 after 15 years from €1,000, but with a possible range from “basically flat” to “nice champagne.” Monte Carlo is just a fancy way of rolling the dice thousands of times using past volatility and return patterns. The catch: it assumes the future vaguely rhymes with history, which markets regularly ignore. A 73.5% chance of ending positive is fine, but it also means roughly one in four simulated futures ends with a shrug or worse. This is not a guaranteed victory lap; it’s a probabilistic coin flip with style.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is just… stocks. Nothing but stocks. It’s like building an entire diet out of protein shakes and calling it “balanced nutrition.” There’s no buffer from bonds, no stabilizer from other asset types, just full exposure to equity mood swings. That’s fine when markets trend up, less fine when everything decides to synchronously faceplant. Asset allocation is usually the first line of defense; this portfolio basically decided defense is for cowards and went all‑offense. The result is clean and easy to understand, but it means the portfolio lives and dies entirely by equity cycles.

Sectors Info

  • Technology
    34%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Industrials
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, this is a tech-forward fan club with some token representation from the rest of the economy. Roughly a third in technology means the portfolio leans hard on one growth-driven engine while the other sectors play supporting roles. When that engine roars, the whole thing flies; when it misfires, the drag shows up fast. Financials, consumer stuff, and telecoms show up enough to be noticeable but not enough to change the story. Compared to broad indexes, this tilt makes the portfolio more dependent on innovation darlings behaving well and less on slow, boring, cash‑cow stability.

Regions Info

  • North America
    85%
  • Asia Developed
    7%
  • Asia Emerging
    5%
  • Latin America
    2%
  • Europe Emerging
    1%

Geographically, the portfolio basically screams “USA or nothing.” About 85% in North America with scraps tossed to Asia and emerging markets is a textbook home‑bias look, just with the home being the US rather than Europe. For a European investor, it’s almost like skipping the continent you actually live in. The tiny slices in Asia and Latin America are too small to meaningfully offset the US dominance; they’re seasoning, not substance. This creates a big bet on one political system, one currency, and one economic cycle. When the US sneezes, this portfolio doesn’t catch a cold—it goes straight to bed.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    35%
  • Mid-cap
    17%
  • Small-cap
    1%

Market cap exposure is heavily skewed to mega and large caps, with mid caps as a side dish and small caps as a rounding error. Almost half the portfolio in giants means it’s buying the winners of the last decade by default. That can be comforting—big brands, big moats, big headlines—but it also means hitching returns to companies already priced like royalty. Mid caps at 17% add a bit of growth spice, but that lonely 1% in small caps is more symbolic than impactful. This is a “safety in size” approach that quietly assumes the biggest ships never sink.

True holdings Info

  • NVIDIA Corporation
    6.42%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Apple Inc
    5.65%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Microsoft Corporation
    4.17%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Amazon.com Inc
    3.08%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class A
    2.54%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Broadcom Inc
    2.22%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class C
    2.03%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Meta Platforms Inc.
    1.90%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Tesla Inc
    1.58%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.55%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Top 10 total 31.14%

The look-through holdings reveal the real story: this is basically the Magnificent Seven appreciation fund with friends. NVIDIA, Apple, Microsoft, Amazon, Alphabet (twice), Meta, and Tesla together drive a hefty chunk of total exposure. Overlap here is concentration in disguise—same few names showing up as top weights in the main ETF. That 35% coverage figure understates how much the portfolio bows to a handful of mega‑cap growth heroes. If those names stumble, there’s nowhere to hide inside the equity sleeve; they’re the main characters, not background extras.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 85.00%
    87.2%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    12.8%

Risk contribution shows the S&P 500 ETF totally running the show: 85% weight, 87% of the risk. That emerging markets value position might feel exciting, but it’s only responsible for about 13% of the ride. Risk contribution is basically “who’s causing the drama,” not “who’s taking up space.” Here, one holding is hogging the volatility spotlight while the other waves from the back row. This kind of concentration means the portfolio’s fate is overwhelmingly tied to one index; the second ETF is more like a side quest than a main storyline in terms of actual 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 efficient frontier chart basically calls this portfolio “leaving money on the table.” The current mix sits below the frontier at its risk level, with a Sharpe ratio of 1.21 while alternative weightings of the exact same two funds could hit 1.76. The Sharpe ratio is just return per unit of risk—like grading how far you’ve driven for each litre of fuel. Being 3.87 percentage points below the frontier means the portfolio is paying for risk it isn’t fully using. Even the minimum-variance mix pumps out a better Sharpe. In other words, the ingredients are fine; the recipe is lazy.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • SPDR S&P 500 UCITS ETF USD Acc EUR 0.03%
  • Weighted costs total (per year) 0.09%

Costs are the one area where this portfolio doesn’t embarrass itself. A total TER around 0.09% is impressively low—cheaper than many single-fund solutions. The S&P 500 ETF is basically running on fumes at 0.03%, while the EM value piece is the pricey cousin at 0.40%, but given its small weight the blended cost stays lean. It’s like accidentally wandering into a discount store and walking out with something that actually works. Fees here are not the villain; if performance ever disappoints, blaming costs would be like blaming the receipt for a bad meal.

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