Roast mode 🔥

Comfortable global equity autopilot that quietly double dips the same bets and wastes some potential

Report created on May 10, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is three ETFs in a trench coat pretending to be sophisticated. Sixty percent in a global fund, another 25% in US large caps, then a 15% dollop of emerging markets value on the side. Structurally it looks neat, but the US-heavy global fund plus a separate US fund is basically saying “more of the same, please” while pretending it’s diversification. It’s like ordering the sampler platter and then adding an extra plate of the exact same thing. The result is a clean, simple structure that hides how dependent everything is on the same growth-heavy global equity engine.

Growth Info

Historically this thing has been riding the rocket. A 23.61% CAGR since late 2023 turned €1,000 into €1,706, beating both the US and global benchmarks by almost 3% a year. CAGR (compound annual growth rate) is basically your average trip speed on a very bumpy road. That -21.46% max drawdown shows the bumps were real, but recovery in about five months is impressive. Just don’t get too attached: this period is basically a momentum party for big global growth names, not a permanent law of nature. Past data is yesterday’s weather — helpful vibes, not a contract.

Projection Info

The Monte Carlo projection is the “what if machine”: it reruns history thousands of times with random twists to see where €1,000 could land in 15 years. Median outcome of €2,675 with an 8.07% annualized return is decent but nowhere near the recent joyride. The scary bit: the 5th percentile basically ends around €997, which is “15 years of nothing to show” territory. The 95th percentile at €7,874 is lottery-ticket nice, but that’s the outlier tail. This portfolio’s future has more “solid but moody equity ride” written on it than “guaranteed moon mission.”

Asset classes Info

  • Stocks
    100%

Asset-class “diversification” here is simple: 100% stocks, 0% anything else. No bonds, no cash buffer, no alternatives — just one giant bet that global equities will eventually bail everything out. That’s fine if the plan is to live entirely on volatility and vibes, but calling this “balanced” is a stretch. Asset classes are like food groups; this is the all-protein diet. It can work for a while, but every downturn will feel like a full-body cramp. A balanced risk label with an all-equity setup is a bit of a marketing joke.

Sectors Info

  • Technology
    32%
  • Financials
    15%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, this is very much a “tech is my personality” portfolio, with technology at 32% and financials a distant second at 15%. That tilt means a lot of faith in the continued reign of chips, platforms, and code. When tech is winning, it looks genius; when tech sneezes, the whole portfolio catches pneumonia. The rest of the sectors are just backup dancers: industrials, consumer discretionary, telecoms, all there but clearly not running the show. This isn’t sector diversification; it’s a tech-centric portfolio with a supporting cast to make the pie chart look respectable.

Regions Info

  • North America
    65%
  • Asia Developed
    11%
  • Europe Developed
    9%
  • Asia Emerging
    8%
  • Japan
    3%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, this is “US first, everyone else if there’s space.” Around 65% in North America, then a sprinkling across Asia, Europe, and the rest of the world. For a European client, it’s almost funny how little home bias there is: Europe Developed at 9% is basically a rounding error next to the US. The global ETF plus the S&P fund doubles down on the same region, turning the rest of the world into garnish. This is global in the way a burger with a side of salad is “balanced nutrition” — technically true, practically dominated.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    34%
  • Mid-cap
    14%
  • Small-cap
    1%

The market cap profile screams “worship the giants”: 51% mega-cap, 34% large-cap, mid-caps at 14%, and small caps barely showing up at 1%. This is the classic cap-weighted comfort zone where the biggest companies get the biggest seat at the table simply because they already won. It’s safe-feeling but lazy — like only listening to bands once they headline stadium tours. That approach rides existing winners nicely but doesn’t leave much room for smaller names to matter. When mega-caps wobble, this portfolio doesn’t have much of a Plan B.

True holdings Info

  • NVIDIA Corporation
    4.72%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    4.15%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.96%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.45%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Amazon.com Inc
    2.23%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.85%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.58%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.54%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.39%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    1.17%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 24.04%

The look-through holdings are basically a greatest hits playlist of the same few megacaps. NVIDIA, Apple, Microsoft, TSMC, Amazon, Alphabet (twice), Meta, Tesla — all showing up via different ETFs. That’s overlap on top of overlap, creating hidden concentration behind the illusion of three separate funds. And this is just from ETF top 10 data, so the real doubling-up is almost certainly higher. This is the portfolio equivalent of subscribing to three streaming services and mostly watching the same show on each one. The diversification score looks polite; the underlying exposures are less shy.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 60.00%
    59.1%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 25.00%
    26.1%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    14.9%

Risk contribution is refreshingly boring here: each ETF pulls risk almost exactly in line with its weight. The global fund is 60% weight and about 59% of risk; the S&P slice is 25% and 26% of risk; EM Value is 15% and just under 15% of risk. No stealth grenade hiding in a tiny allocation. But that also means all the drama is centralized in just three levers — if any of them has a bad time, the whole portfolio feels it. This isn’t a complex risk machine; it’s three big knobs controlling the whole sound system.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

The correlation note politely points out the obvious: the S&P 500 ETF and the ACWI ETF move almost identically. Shocking, given that ACWI is heavily US anyway. Correlation is just a fancy way of saying “do these things rise and fall together?” and in this case the answer is a loud yes. So that 25% “extra” S&P position doesn’t really add variety; it just turns up the volume on the same song. When US large caps go down, both funds will likely sulk together. This is diversification theater, not diversification reality.

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.

On the efficient frontier, this portfolio is noticeably leaving free money on the table. With a Sharpe ratio of 1.32, it sits 1.61 percentage points below what could be achieved just by reweighting the same three ETFs. The optimal mix hits a Sharpe of 1.88 with higher return (32.10%) for only moderately more risk. The minimum-variance version still beats it on risk-adjusted terms. The efficient frontier is basically the “best possible trade-offs” curve; this portfolio is standing awkwardly below it, like someone who bought the ingredients for a great meal and then burned half of them.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • SPDR S&P 500 UCITS ETF USD Acc EUR 0.03%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.14%

Costs are where this portfolio quietly redeems itself. A total TER of 0.14% is impressively low, especially considering there’s an actively tilted EM factor ETF sitting in there at 0.40%. The global fund and S&P ETF are doing the heavy lifting at bargain-bin prices. Fees are under control — almost suspiciously so, like someone actually read a factsheet before clicking “buy.” The roast here is mild: you’re not overpaying, but you are using those cheap fees to double up on the same exposures. Efficient pricing, slightly inefficient design.

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