Chilling in the slow lane while pretending to be a thrilling balanced world conquering portfolio
Report created on Mar 28, 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 60.00% -
VG Vanguard EUR Eurozone Government Bond UCITS ETF EUR Accumulation
VGEA - IE00BH04GL39 30.00% -
AP Apple Inc
APC - US0378331005 5.00% -
IS iShares Core MSCI Emerging Markets IMI UCITS
IS3N - IE00BKM4GZ66 5.00%
Structurally this thing is a three-legged stool: one big global equity ETF doing all the work at 60%, a chunky 30% euro government bond cushion, and then a 10% “just for fun” satellite split between emerging markets and a single stock hero worship slot for Apple. It’s simple to the point of being slightly lazy: one giant core, one safety blanket, and one tech idol. Simplicity is great until you realise almost every decision here is binary: global vs euro bonds, plus Apple yes/no. The takeaway: it’s a functional starter kit, but it looks more like an auto-pilot default than a carefully thought-out design.
Growth
CAGR, or compound annual growth rate, is your “average speed” over the whole trip, potholes included. At 10.22%, this portfolio turned €1,000 into about €2,008, which is fine… right up until you notice the US market did 13.58% and the global market 11.14%. You basically paid for business class and got premium economy. On the plus side, max drawdown was -25.20%, meaning your worst peak-to-trough fall hurt less than the benchmarks’ ~-34%. So you traded some upside for a gentler punch in crashes. Past data is like last season’s weather, though: comforting to look at, unreliable for what happens next.
Asset classes
- Stocks 70%
- Bonds 30%
Asset class mix: 70% stocks, 30% bonds — the classic “balanced but doesn’t fully trust itself” setup. For a 4/7 risk score, that’s pretty textbook: enough equity to grow, enough bonds so you don’t scream during every correction. The problem is less the split and more the total lack of nuance: it’s all one flavour of global stocks plus one flavour of euro government bonds. No real experimentation, no creativity, just a vanilla 70/30. That’s fine, but it behaves exactly like every generic model portfolio out there. If the goal was “be aggressively average,” mission accomplished.
Sectors
- Technology 23%
- Financials 11%
- Industrials 7%
- Consumer Discretionary 6%
- Health Care 6%
- Telecommunications 6%
- Consumer Staples 3%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, this is low-key a tech-tilted love story pretending to be diversified. Technology at 23% is clearly the main character, with financials and industrials tagging along like backup dancers. Having a tech bias isn’t shocking these days, but pairing that with a direct 5% Apple position just doubles down on the fanboy energy. The rest — healthcare, telecom, staples, etc. — are more like background extras that stop the whole thing from looking completely unhinged. The lesson: even when you buy broad funds, you don’t escape the era you live in. Right now, that era is “Big Tech runs the show.”
Regions
- North America 50%
- Europe Developed 10%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, it’s basically “USA and friends who occasionally get speaking roles.” About 50% in North America, then a sprinkling of developed Europe, Japan, and a timid spoonful of emerging regions. For someone in Germany, the home bias is surprisingly low; you apparently trust US companies more than your own government, which is… understandable. There’s nothing outrageous here, just a very benchmark-hugging tilt toward the dominant global market. The risk is simple: when the US stumbles, this whole thing limps. The upside: at least you’re not doing that classic “90% home market” move that turns a portfolio into a regional hostage situation.
Market capitalization
- Mega-cap 36%
- Large-cap 22%
- Mid-cap 11%
This breakdown covers the equity portion of your portfolio only.
Market cap exposure screams “I only date celebrities.” Mega-caps at 36% and large-caps at 22% means well over half the equity ride is controlled by the giants. Mid-caps get a modest 11% cameo, and smaller stuff basically doesn’t exist in the reported breakdown. This makes the portfolio smoother than a small-cap heavy setup, but also more dependent on the mood swings of a few global titans. It’s like building your entire music library around the top 20 hits: familiar, often good, but not exactly adventurous — and when the trend shifts, everything feels dated at once.
True holdings
-
-
NV NVIDIA Corporation 3.03%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AA Apple Inc 2.73%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
MS Microsoft Corporation 1.95%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AM Amazon.com Inc 1.42%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class A 1.28%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class C 1.07%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AV Broadcom Inc 1.01%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
ME Meta Platforms Inc. 0.99%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
TS Tesla Inc 0.80%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- Top 10 total 19.27%
The look-through is screaming “mega-cap tech fan club with an Apple shrine.” You’ve got Apple at 5% directly, and then Apple again inside the ETFs (plus friends: NVIDIA, Microsoft, Amazon, Alphabet, Meta, Tesla etc.). Hidden overlap means you’re more tied to the fate of a handful of giants than the weights suggest. Overlap is probably even higher than shown, since we only see ETF top-10 holdings. Think of this as inviting ten different bands to a festival and then realising they all share the same drummer. The result: when those mega-caps sneeze, the portfolio catches a cold.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
The factor story is strangely sensible for something that worships Apple. Factor exposure is like checking the ingredient label instead of just staring at the shiny packaging. You’re basically neutral on value, size, momentum, and quality — very “whatever the market is doing, I’ll just go along.” Yield is low, so this is not a comfy income machine; more of a growth-leaning setup. The standout is low volatility at a very high 91%. That’s like wearing a helmet, knee pads, and bubble wrap to ride a scooter. You’ve almost accidentally built a pretty defensive equity profile, while still flirting with growthy giants.
Risk contribution
-
iShares Core MSCI World UCITS ETF USD (Acc) EUR
Weight: 60.00% 82.1% -
Apple Inc
Weight: 5.00% 8.8% -
iShares Core MSCI Emerging Markets IMI UCITS
Weight: 5.00% 6.2% -
Vanguard EUR Eurozone Government Bond UCITS ETF EUR Accumulation
Weight: 30.00% 2.9%
Risk contribution is where the truth shows up: who’s actually shaking the portfolio when things move. Your world ETF is 60% weight but a ridiculous 82% of total risk. Apple is only 5% weight yet contributes almost 9% of risk — it’s that loud drunk at the party everyone notices. Emerging markets at 5% weight and 6.18% risk are doing their predictable chaos routine. And the euro government bond ETF? A whole 30% in weight but only 2.92% of risk — basically the quiet designated driver. The lesson: trimming that equity core or the Apple shrine has way more impact on risk than fiddling with the bond slice.
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 risk–return chart is gently telling you, “Nice try, but you left money on the table.” Your Sharpe ratio (return per unit of risk) is 0.62, while the optimal mix of your *existing* holdings hits 1.0. Being 2.09 percentage points below the efficient frontier at your current risk level is like running with a parachute on — same effort, less distance. The kicker: you don’t even need new products; just reweighting these four holdings could improve the trade-off. Meanwhile, the “optimal” portfolio here chases a wild 29.25% return with 28.22% risk, which is more rollercoaster than balanced. Still, your current mix is clearly not as smart as it could be.
Ongoing product costs
- iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
- iShares Core MSCI Emerging Markets IMI UCITS 0.18%
- Vanguard EUR Eurozone Government Bond UCITS ETF EUR Accumulation 0.07%
- Weighted costs total (per year) 0.15%
Costs are the one area where this portfolio actually looks like it knows what it’s doing. A total TER around 0.15% is impressively low — you’ve assembled cheap building blocks like someone who sorted by “lowest fee” and just stopped thinking afterward. That’s both the compliment and the roast: fees are under control, but the imagination clearly clocked out early. Still, keeping costs this low means you aren’t lighting money on fire every year for no reason. Over decades, that gap matters a lot more than most people think, even if it’s the least exciting thing to brag about.
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