Roast mode 🔥

Comfortably numb global equity mix quietly wasting potential below the efficient frontier

Report created on Apr 29, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is basically a world tour that never leaves the stock market departure lounge. Sixty percent is glued to a plain S&P 500 tracker, then 20% goes into emerging markets “value,” with Europe and Japan each getting a small token 10% slice, like side salads. It looks diversified on paper, but structurally it’s just “US core plus some garnish.” For something labeled balanced, there’s nothing balanced about being 100% in equities with one fund clearly in charge. The overall setup screams “I bought four funds to feel diversified” rather than any coherent design. It’s tidy, but also lazy: one big engine, three small decorations.

Growth Info

Historically, this thing has been on a heater: €1,000 turning into €1,659 in under three years and a punchy 22.56% CAGR. That’s beating both the US and global markets by around 3% per year, which is great… and almost certainly unsustainable. The price for the joyride was a -20.94% drawdown, which is the kind of drop that reminds people they own stocks, not savings accounts. Only 22 days made up 90% of returns, meaning performance came from a handful of lucky lightning bolts, not steady grinding. Past data here is like a highlight reel: fun to watch, dangerous to expect a sequel with the same script.

Projection Info

The Monte Carlo projection politely drags this portfolio back to reality. A simulation is basically a financial dice game: it takes the past, shakes it around, and plays out 1,000 possible futures. The median landing at €2,780 after 15 years (about 8.23% a year) is a lot more boring than the recent 22% party. The range from around €1,875 to €4,199 for the middle scenarios shows how wide the path can be, and the fact that €989 is still on the table at the pessimistic end is a nice reminder that stocks do not owe anyone a profit. Yesterday’s fireworks don’t guarantee another show.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is easy to summarize: there isn’t any. It’s 100% stocks, no bonds, no cash buffer, no alternatives, nothing that might behave differently when markets decide to throw a tantrum. Calling this “balanced” is generous; it’s balanced in the same way a unicycle is a “balanced vehicle” if you don’t fall off. When everything is equities, the whole portfolio breathes with the market — euphoric on the way up, wheezy on the way down. That can work, but it’s one-dimensional. If volatility ever comes back with a grudge, there’s nowhere in this structure that naturally softens the blow.

Sectors Info

  • Technology
    30%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, this is a tech-flavored equity buffet pretending to be broad. Technology at 30% is the main act, with financials and industrials a distant supporting cast. Everything else — health care, telecom, energy, staples — gets enough exposure to show up on the chart but not enough to stop the portfolio from catching a cold whenever growth or mega-tech sneezes. It’s basically “general market with a tech crush,” which works great when the tech darlings are flying and feels awful when they remind everyone they can go down too. The sector mix looks diversified, but the return drivers are still heavily clustered in one engine room.

Regions Info

  • North America
    60%
  • Japan
    10%
  • Europe Developed
    10%
  • Asia Developed
    10%
  • Asia Emerging
    7%
  • Latin America
    2%
  • Europe Emerging
    1%
  • Africa/Middle East
    1%

Geographically, this portfolio is wearing a “global” nametag while clearly thinking in dollars. Around 60% sits in North America, with Japan, developed Europe, and developed Asia tossed in at 10% each like afterthoughts, and the rest of the world fighting over breadcrumbs. Emerging regions barely register, which is ironic given the “EM value” fund is supposed to help there. This is the classic “America and some souvenirs” structure: a big US anchor with just enough non‑US exposure to claim diversification. It’s not terrible, just predictably biased. If US large caps stumble, the rest of this setup is too small to meaningfully change the narrative.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    35%
  • Mid-cap
    16%
  • Small-cap
    1%

Market cap exposure is pretty much a love letter to giants. Nearly half the portfolio is in mega-caps and another 35% in large-caps, leaving mid-caps as a side quest and small-caps as an urban legend at 1%. This is what happens when broad index trackers run the show: you end up owning whatever’s already huge. It’s very “don’t make me think” — you get stability and liquidity, but you’re also chained to the fortunes of the biggest, most crowded names. If the global behemoths ever underperform the rest of the market, this portfolio won’t notice until long after the fact.

True holdings Info

  • NVIDIA Corporation
    4.53%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Apple Inc
    3.99%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Microsoft Corporation
    2.94%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Amazon.com Inc
    2.18%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.06%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Alphabet Inc Class A
    1.79%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Broadcom Inc
    1.57%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class C
    1.44%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Meta Platforms Inc.
    1.34%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Tesla Inc
    1.12%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Top 10 total 22.95%

The look-through holdings show the usual suspects hogging the spotlight: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and friends. They’re turning up across multiple funds, which means the same megacap names are being bought again and again under different ETF labels. With only 31.7% coverage from top holdings, this is just the visible tip, but the pattern is clear: this portfolio is secretly a high-concentration bet on the global tech and US megacap mafia. Hidden overlap is like ordering four different dishes and discovering they’re all just variations of chicken — the menu looks big, the reality not so much.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 60.00%
    62.6%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 20.00%
    20.1%
  • iShares Core MSCI Japan IMI UCITS ETF USD (Acc)
    Weight: 10.00%
    9.8%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc)
    Weight: 10.00%
    7.6%

Risk contribution lays it out brutally: the S&P 500 fund is 60% of the weight and about 63% of total risk. Add the EM value and Japan funds, and the top three positions are doing over 92% of the risk heavy lifting. The Europe piece is basically a passenger, contributing only 7.55% of risk despite being 10% of the weight — the quiet kid on the back row of the roller coaster. Risk contribution shows what actually moves the portfolio, and here it’s crystal clear: this isn’t a four‑engine plane; it’s one big engine, two medium, and one decorative sticker pretending to help.

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 politely tells this portfolio it’s underachieving. With a Sharpe ratio of 1.27 and sitting 2.8 percentage points below the frontier at its risk level, it’s basically taking decent risk but leaving return on the table. The frontier is the “best you could have done” line using the same ingredients; this portfolio is standing below it, holding a half‑mixed cocktail. The optimal version, using only these funds, manages a Sharpe of 1.77 with higher returns for a bit more risk, and even the minimum-variance mix beats the current risk-adjusted profile. Translation: same components, better arrangement very much possible.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
  • iShares Core MSCI Japan IMI UCITS ETF USD (Acc) 1.00%
  • Weighted costs total (per year) 0.20%

Costs are a mixed bag with one loud offender. The overall TER of 0.20% is actually very decent — that’s the “you accidentally picked something sensible” level. But then there’s the Japan fund with a 1.00% TER sitting there like a tourist trap menu price. Paying five times more for one slice of a simple equity allocation is impressive in the wrong way. It’s like buying three budget flights and then splurging on a random first‑class leg for no clear reason. The portfolio isn’t expensive overall, but that Japan line item is absolutely punching above its weight in the “why are you like this” category.

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