Roast mode 🔥

A well-intentioned but monotonous ETF parade that feels like a diversified buffet with only three dishes

Report created on May 24, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio seems like it's trying to cover all bases, but it's more like someone who thinks a balanced diet consists of different flavors of potato chips. With 50% in a global ETF, 25% in emerging markets, and the rest in European small-cap, it's like putting all your eggs in three slightly different baskets. It's diversified, sure, but in the same way that having three different streaming subscriptions gives you a 'broad' range of TV shows. Let's aim for a more nuanced approach to portfolio construction, shall we?

Growth Info

With a CAGR of 8.14%, this portfolio is like that steady, reliable friend who occasionally has a wild night out (reflected in that -35.42% max drawdown). Those 21 days carrying 90% of your returns? That's the financial equivalent of cramming for exams and hoping for the best. While the performance isn't terrible, it’s like finishing a marathon with the minimum training possible—satisfying, but you know you could've done better with a bit more effort in diversification and risk management.

Projection Info

Monte Carlo simulations are the crystal balls of the investment world, but remember, they're not always right. They're a bit like weather forecasts—useful, but pack an umbrella just in case. Your portfolio's future looks like a road trip with potential pit stops at "130.7% growth" and a risky detour through "31.9% loss" town. While the simulations show mostly sunny days ahead with 869 out of 1000 showing positive returns, remember, financial climates can change. It’s good to have a contingency plan for when the market decides to rain on your parade.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of your portfolio in equities, you're like someone who only listens to one genre of music, missing out on the full spectrum of sound. Diversification across asset classes is crucial, not just to safeguard your investments but to potentially enhance returns. Consider this a nudge to explore the world beyond stocks—there are bonds, real estate, and even commodities that could spice up your investment life without turning it into a roller coaster ride.

Sectors Info

  • Technology
    19%
  • Financials
    19%
  • Industrials
    14%
  • Consumer Discretionary
    12%
  • Telecommunications
    8%
  • Health Care
    7%
  • Basic Materials
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Real Estate
    3%
  • Utilities
    3%

Your sector allocation reads like a tech and finance fan club, with both sectors taking up nearly 40% of the portfolio. While these can be growth powerhouses, they also come with their own set of risks—like being overly reliant on a few sectors that, if they sneeze, your portfolio catches a cold. It's like packing for a vacation with only shorts and t-shirts—works great until unexpected weather hits. Time to diversify your wardrobe, or in this case, your sectors.

Regions Info

  • North America
    38%
  • Europe Developed
    33%
  • Asia Emerging
    13%
  • Asia Developed
    7%
  • Japan
    3%
  • Africa/Middle East
    3%
  • Latin America
    2%
  • Australasia
    1%
  • Europe Emerging
    1%

This portfolio has a clear case of home bias, with a hefty tilt towards North America and Europe. It's like saying you're a world traveler because you've been to Canada and France. Emerging markets are more than just a 25% allocation; they're the spice market of the investment world, offering flavors (and risks) you won't find in the developed world. Broadening your geographic exposure could be like adding a few new stamps to your passport, enriching your investment journey.

Market capitalization Info

  • Mega-cap
    36%
  • Mid-cap
    27%
  • Large-cap
    25%
  • Small-cap
    11%
  • Micro-cap
    1%

Your market cap distribution is leaning heavily towards the giants, with a sprinkle of medium, big, and a dash of small and micro-caps. This is the equivalent of shopping only at big-box retailers and ignoring the local boutiques. While the big guys offer stability, those smaller companies can provide growth spurts (and volatility). Consider diversifying across market caps like you would a wardrobe—from staples to statement pieces—to achieve a well-rounded look.

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.

Your portfolio's current setup is like using a map from the '90s to navigate today's roads—functional, but far from optimal. With the potential to achieve a 10.21% return at the same risk level, it's clear that your portfolio could use some modernizing. Think of it as upgrading from a flip phone to a smartphone; the basics are the same, but the efficiency and capabilities are worlds apart. Time to embrace the new and optimize your investment strategy for the 21st century.

Ongoing product costs Info

  • iShares Core MSCI World UCITS ETF USD (Acc) 0.20%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • SPDR® MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc 0.30%
  • Weighted costs total (per year) 0.22%

With a total TER of 0.22%, at least you're not throwing money out the window on fees. This is one of the brighter spots in your portfolio, akin to finding a designer suit at a thrift store price. Keeping costs low is crucial for long-term growth, as excessive fees can eat into your returns like termites in a wooden house. Kudos for being cost-conscious, but let's ensure that saving on fees doesn't come at the expense of necessary diversification and risk management.

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