A balanced and growth-focused portfolio with a strong tilt towards technology and North American markets

Report created on Aug 1, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is structured around a core of globally diversified and US-focused equity ETFs, complemented by niche sector investments in defense, digital assets, and uranium/nuclear technologies. This composition reflects a balanced yet growth-oriented approach, with a significant portion allocated to broad market ETFs. However, the notable concentration in technology and specific sectors, combined with a heavy weighting towards North American equities, suggests a need for closer examination of geographic and sector diversification.

Growth Info

The portfolio has demonstrated strong historic performance, with a Compound Annual Growth Rate (CAGR) of 25.39%. This impressive growth is tempered by a maximum drawdown of -21.61%, indicating periods of significant volatility. It's important to remember that past performance is not indicative of future results, and such high returns often come with increased risk. Considering the days contributing most to returns, it's clear that performance has been driven by relatively few, potentially high-impact days.

Projection Info

Monte Carlo simulations project a wide range of potential future outcomes, with the median simulation suggesting substantial growth. However, the broad spread between the 5th and 67th percentiles underscores the inherent uncertainty in these projections. While these simulations can provide valuable insights, they are based on historical data and cannot account for unforeseen market changes. Therefore, it's crucial to view these projections as one of many tools in assessing potential future performance.

Asset classes Info

  • Stocks
    100%

Your portfolio is entirely composed of stocks, reflecting a clear focus on growth. While this asset class has historically offered higher returns compared to bonds or cash, it also comes with higher volatility. A diversification across different asset classes could provide a buffer against market fluctuations and reduce overall portfolio risk. Considering your balanced risk profile, incorporating fixed income or real assets might offer a more stable return stream and better risk-adjusted performance.

Sectors Info

  • Technology
    29%
  • Industrials
    17%
  • Financials
    15%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The sector allocation reveals a heavy emphasis on technology, industrials, and financial services. While technology has been a strong performer, it's also prone to rapid shifts and volatility. The current sector distribution aligns with a growth-focused strategy but may benefit from increased exposure to more defensive sectors like healthcare or consumer staples, which can offer stability during market downturns.

Regions Info

  • North America
    78%
  • Europe Developed
    9%
  • Japan
    4%
  • Asia Developed
    4%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 78% of assets in North America, your portfolio is heavily skewed towards the US market. This concentration enhances exposure to the world's largest economy but also increases susceptibility to region-specific risks. Diversifying into developed European markets or Asia could provide growth opportunities and reduce the impact of regional downturns.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    35%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    2%

The focus on mega and large-cap stocks is consistent with a strategy prioritizing stability and growth. These companies often have more predictable revenue streams and global diversification. However, incorporating a greater mix of medium or even small-cap stocks could enhance potential returns, albeit with increased risk.

Redundant positions Info

  • Vanguard S&P 500 UCITS ETF
    Vanguard FTSE All-World UCITS ETF USD Accumulation
    High correlation

The high correlation between the Vanguard S&P 500 and Vanguard FTSE All-World ETFs indicates overlapping exposures, which may dilute the benefits of diversification. Identifying and reducing such redundancies can help in achieving a more efficient portfolio composition, enhancing the potential for risk-adjusted returns.

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.

Optimizing the portfolio involves addressing the identified overlap between ETFs and considering a broader asset class and geographic diversification. The Efficient Frontier concept suggests that an optimal mix of assets can achieve the highest expected return for a given level of risk. By adjusting allocations and possibly introducing new asset classes or sectors, you could move closer to this ideal balance, enhancing risk-adjusted returns.

Ongoing product costs Info

  • VanEck Digital Assets Equity UCITS ETF A USD Acc 0.65%
  • Invesco EQQQ NASDAQ-100 UCITS ETF 0.35%
  • Vanguard S&P 500 UCITS ETF 0.07%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Weighted costs total (per year) 0.18%

The portfolio's costs vary significantly across ETFs, with the highest being 0.65% and the lowest at 0.07%. These costs can impact net returns, especially over the long term. Focusing on minimizing expense ratios without compromising on quality or strategic fit can enhance overall portfolio efficiency.

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