This portfolio has only about 5 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A financial rollercoaster masquerading as a diversified portfolio

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Diving into this portfolio feels like uncovering a time capsule from an investor who thought they were building a fortress but ended up with a house of cards. With over 40% sunk into Allianz SE alone, it's like putting most of your eggs in one basket and then sitting on the basket. The attempt at diversification looks more like a random walk through the ETF aisle with a blindfold on. This is not how you play the game of diversification; it's how you play financial Jenga.

Growth Info

Let's talk about that historic performance - a CAGR of 11.95% is not too shabby, but when you realize it's riding on the coattails of a few good days, it's like winning a race because the other runners tripped. The max drawdown of -13.18% reveals the portfolio's glass jaw, ready to shatter with a solid left hook from the market. Banking on past performance here is like trusting a weather forecast from last year to plan your picnic.

Projection Info

Monte Carlo simulations suggest a wild ride ahead, with scenarios ranging from a -40.2% gut punch to a 302.2% moonshot. It's important to remember that these simulations are like predicting the next season of a TV show based on the first few episodes. Intriguing? Yes. Reliable for long-term planning? As much as a chocolate teapot. The wide range of outcomes screams volatility louder than a toddler at bedtime.

Asset classes Info

  • Stocks
    94%
  • Other
    4%

With 94% in stocks, this portfolio is as balanced as a one-legged yoga pose. The minimal nod to other asset classes is like acknowledging vegetables exist but choosing to live on steak alone. It's a high-risk, high-reward strategy that could leave you financially malnourished when the market takes a turn for the worse.

Sectors Info

  • Financials
    50%
  • Technology
    13%
  • Energy
    6%
  • Consumer Discretionary
    5%
  • Health Care
    5%
  • Industrials
    5%
  • Telecommunications
    4%
  • Consumer Staples
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

The sector allocation is a clear case of "all your eggs in one basket" syndrome, with a staggering 50% in Financial Services. It's like going to a buffet and only loading up on bread. Sure, bread is great, but have you seen what else is on offer? This overconcentration not only skews risk but also misses out on the growth potential and stability offered by other sectors.

Regions Info

  • Europe Developed
    53%
  • North America
    26%
  • Asia Emerging
    9%
  • Asia Developed
    3%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Latin America
    1%

This portfolio's geographic allocation is a love letter to Europe Developed, with over half of the assets parked there. It's as if the investor thinks Europe is the only continent that matters. North America and Asia get a look-in, sure, but the disregard for broader global exposure could leave the portfolio vulnerable to regional downturns. It's like building a world map where Europe is the size of a continent and everything else is an island.

Market capitalization Info

  • Large-cap
    63%
  • Mega-cap
    23%
  • Mid-cap
    7%

The market cap distribution is like attending a party and only talking to people over 6 feet tall. With 63% in Big and 23% in Mega caps, there's a clear bias towards the big players, ignoring the potential growth and agility of smaller companies. This could stifle the portfolio's growth potential, making it a slow mover in a race it could be winning.

Redundant positions Info

  • iShares MSCI EM Asia UCITS ETF
    iShares MSCI EM UCITS ETF USD (Acc)
    High correlation
  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Invesco EQQQ NASDAQ-100 UCITS ETF Acc
    iShares MSCI ACWI UCITS ETF USD (Acc) EUR
    High correlation

The portfolio's asset correlation is like having twins in every class; they're different but move in eerily similar ways. This redundancy dilutes the diversification benefits, making the portfolio more susceptible to market shocks. It's time to break up the band and find assets that dance to different tunes.

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 portfolio's optimization—or lack thereof—is like trying to improve your car's performance by adding more stickers. With a potential to reach a 29.03% expected return by actually diversifying, sticking to the current setup is like choosing to walk when you have a sports car in the garage. It's time to get behind the wheel and drive your investments with purpose.

Dividends Info

  • Allianz SE VNA O.N. 4.60%
  • Weighted yield (per year) 1.93%

The dividend yield of 1.93% is like finding loose change under the couch cushions; it's nice, but it's not going to change your life. While dividends can provide a steady income stream, relying on them alone in a growth-oriented portfolio is like expecting a trickle from a faucet to fill a swimming pool.

Ongoing product costs Info

  • Global X Cybersecurity UCITS ETF USD Acc EUR 0.50%
  • iShares MSCI EM Asia UCITS ETF 0.20%
  • UBS (Irl) Fund Solutions plc - MSCI China A SF UCITS ETF (USD) A-acc 0.30%
  • Invesco EQQQ NASDAQ-100 UCITS ETF Acc 0.35%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
  • iShares MSCI EM UCITS ETF USD (Acc) 0.18%
  • iShares MSCI ACWI UCITS ETF USD (Acc) EUR 0.20%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Xtrackers MSCI World Health Care UCITS ETF 1C 0.25%
  • db x-trackers MSCI World Utilities UCITS DR 1C 0.25%
  • Weighted costs total (per year) 0.10%

The Total Expense Ratio (TER) of 0.10% is surprisingly lean for a portfolio that's otherwise as disciplined as a toddler in a candy store. It's a rare beacon of sensibility in an otherwise haphazard financial plan. At least you're not bleeding money on fees, so there's that small mercy.

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