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Cautious on paper wild under the hood and trying to do everything all at once

Report created on May 2, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

This portfolio looks like a committee project where everyone got to add their favorite toy. There’s a core global-ish equity base, a chunky ladder of euro gov bonds, a sprinkle of factor funds, a single stock pet obsession, a regional side bet, gold, and then crypto tossed in like hot sauce. Structurally it’s all over the place: core index, style tilts, country punt, tech sector fund, and two coins that ignore everything else going on. The result is less “carefully engineered machine” and more “drawer of random chargers that somehow still turn the lights on.” It functions, but the design story is… generous to call coherent.

Growth Info

Historically this thing has done well in absolute terms and still managed to underperform both the US and global markets over the period. CAGR around 19.7% versus 22%+ for the benchmarks is the polite way of saying “nice, but could’ve just bought the market.” Max drawdown of -14% is actually milder than the benchmarks’ deeper falls, so you basically paid with lower upside for slightly smoother pain. That’s fine if deliberate, but the structure doesn’t scream intentional risk management; it looks more like accidental constraint. And past data is yesterday’s weather: helpful, but the next storm doesn’t care what happened in 2023.

Projection Info

The Monte Carlo projection is the financial equivalent of running 1,000 alternate timelines and seeing where this portfolio lands. Median outcome roughly doubling and a bit over 15 years to about €2,429 on €1,000 is not exactly fireworks, especially given how spicy some holdings are. The wide possible range — from barely ahead of cash to “ok that worked out” — shows the usual: the future is fuzzy, and this mix doesn’t bend the odds dramatically in your favor. Crypto and tech-heavy pieces add lottery-ticket tails, but the bond stack and gold drag the middle back toward “fine, not thrilling.” It’s chaos moderated by ballast.

Asset classes Info

  • Stocks
    52%
  • Bonds
    30%
  • No data
    8%
  • Other
    5%
  • Crypto
    5%

On paper, 52% stocks, 30% bonds, 5% crypto, 5% “other,” and a mysterious 8% “no data” screams cautious multi-asset grown-up. In practice, those calm bond sleeves are sharing a room with Ethereum and a tech fund. That’s like pairing herbal tea with energy drinks and calling the average “hydrated.” The bonds are very government-heavy and short-to-medium duration, so they’re the boring, predictable adults at the party, while around half the portfolio is very much not boring. The asset-class split looks textbook conservative, but the ingredients chosen within each bucket push the vibe closer to “responsible by day, adrenaline hobby by night.”

Sectors Info

  • Technology
    19%
  • Financials
    6%
  • No data
    5%
  • Crypto
    5%
  • Industrials
    5%
  • Telecommunications
    4%
  • Consumer Discretionary
    4%
  • Health Care
    3%
  • Consumer Staples
    2%
  • Energy
    1%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, technology sitting at 19% is the loudest voice in the room, with everything else trailing far behind. The rest of the sectors are sprinkled around like token guests invited so the portfolio can claim it’s diversified. At 6% financials and low single digits for most other sectors, this is not exactly a balanced economic snapshot; it’s a tech-forward story with some background extras. That’s fine when tech is winning, less fun when it isn’t. Calling this diversified by sector is like calling a band “orchestral” because there’s one triangle somewhere behind the 20 electric guitars. The tilt is obvious.

Regions Info

  • North America
    34%
  • Europe Developed
    9%
  • Japan
    4%
  • Asia Developed
    3%
  • Asia Emerging
    2%

This breakdown covers the equity portion of your portfolio only.

Geographically, this portfolio is doing a solid “US plus some garnish” routine. Roughly 34% North America and only single digits in Europe Developed, Japan, and Asia — plus a small slice of emerging Asia — gives it a clear bias toward one big economic bloc while pretending to be worldly. For a European portfolio, 9% in developed Europe is almost shy. This isn’t global exposure; it’s global lite with a heavy US accent and token representation from Japan and EM Asia. The label might say diversified, but the map looks like someone booked one transatlantic flight and called themselves a seasoned traveler.

Market capitalization Info

  • Mega-cap
    23%
  • Large-cap
    23%
  • Mid-cap
    6%
  • No data
    5%

This breakdown covers the equity portion of your portfolio only.

Market cap distribution screams comfort zone: 23% mega-cap, 23% large-cap, and a modest 6% mid-cap, with the rest either tiny or unknown. This is very much a blue-chip popularity contest with a few smaller names peeking in. There’s no obvious deliberate small-cap tilt or barbell strategy; it’s just what you get by following broad indices and factor funds that still mostly fish in large-cap waters. That means returns are going to be driven by the same mega names everyone already owns, which is safe-ish but also a bit unimaginative. The portfolio is basically saying, “If the giants fall, we all fall together.”

True holdings Info

  • Novo Nordisk A/S Class B
    5.00%
  • NVIDIA Corporation
    3.04%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
    • iShares MSCI World Momentum Factor UCITS
  • Apple Inc
    2.49%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
  • Microsoft Corporation
    1.81%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
  • Broadcom Inc
    1.09%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • Xtrackers MSCI World Information Technology UCITS ETF 1C
    • iShares MSCI World Momentum Factor UCITS
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.83%
    Part of fund(s):
    • iShares MSCI EM Asia UCITS ETF
  • Alphabet Inc Class A
    0.82%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
    • iShares MSCI World Momentum Factor UCITS
  • Amazon.com Inc
    0.73%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
  • Meta Platforms Inc.
    0.61%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class C
    0.58%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc
    • iShares MSCI World Momentum Factor UCITS
  • Top 10 total 16.99%

This breakdown covers the equity portion of your portfolio only.

The look-through holdings reveal the usual suspects: NVIDIA, Apple, Microsoft, Broadcom, TSMC, Alphabet, Amazon, Meta — the whole “Magnificent Whatever-Number-We’re-On-Now” crew. As a bonus, Novo Nordisk shows up both as a 5% direct bet and not at all via ETFs (in the top-10 data), so at least that obsession is honest. Overall overlap is only partially visible because we’re limited to ETF top 10s, but even there you can see how tech megacaps quietly accumulate from every angle. Hidden concentration is baked in: it’s not just one fund liking these names, it’s nearly every equity sleeve silently voting the same way.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc
    Weight: 20.00%
    25.8%
  • Novo Nordisk A/S Class B
    Weight: 5.00%
    11.7%
  • Xtrackers MSCI World Information Technology UCITS ETF 1C
    Weight: 5.00%
    9.4%
  • Ethereum
    Weight: 2.50%
    8.8%
  • iShares MSCI World Momentum Factor UCITS
    Weight: 5.00%
    8.1%
  • Top 5 risk contribution 63.8%

Risk contribution exposes who’s really driving the drama, and it’s not subtle. The S&P 500 ETF at 20% weight contributes over a quarter of total risk. Novo Nordisk at just 5% weight hogs nearly 12% of risk, punching more than twice its weight. The world tech ETF and Ethereum are also doing far more than their fair share. Top three positions alone deliver almost 47% of the total volatility. That’s not “diversified risk”; that’s a few stars and a chorus of background singers. The bonds show up in the risk stats more as stage props than actors — visually present, emotionally irrelevant.

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.

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The efficient frontier absolutely drags this portfolio. At the current risk level, it sits a chunky 12.51 percentage points below what could be achieved just by reweighting the same holdings more intelligently. Sharpe ratio of 1.39 versus a theoretical max of 2.94 is the stats version of “you brought a scooter to a car race but paid for petrol anyway.” The minimum-variance portfolio is deliberately boring, but the optimal portfolio shows there’s a lot of wasted potential in this current mix. This isn’t a question of picking new toys — it’s that the existing ones are arranged in a mathematically clumsy way.

Ongoing product costs Info

  • iShares MSCI EM Asia UCITS ETF 0.20%
  • Invesco Euro Government Bond 1-3 Year UCITS ETF 0.10%
  • iShares Inflation Linked Government Bond UCITS 0.09%
  • iShares Edge MSCI World Quality Factor UCITS ETF USD (Acc) EUR 0.30%
  • iShares MSCI World Momentum Factor UCITS 0.30%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • Xtrackers MSCI World Information Technology UCITS ETF 1C 0.25%
  • iShares Physical Gold ETC 0.25%
  • Xtrackers MSCI Japan UCITS ETF 1C 0.12%
  • Amundi Euro Government Bond 3-5Y UCITS ETF Acc EUR 0.16%
  • Multi Units Luxembourg - Lyxor EuroMTS 5-7Y Investment Grade (DR) UCITS ETF 0.16%
  • Weighted costs total (per year) 0.12%

Costs are actually one of the few grown-up decisions here. A total TER around 0.12% is impressively low considering the number of moving parts and the use of factor funds, gold, and regional ETFs. It’s like someone splurged on complexity but somehow shopped only the discount aisle. The higher-TER pieces (0.25–0.30%) are still reasonable, and the cheaper bond and core equity funds drag the average nicely down. Fees are not the villain in this story; if anything, they’re the one area where the portfolio quietly makes sense. Which just highlights how much of the chaos is self-inflicted design, not cost bloat.

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