A growth-oriented portfolio with a global reach and a strategic tilt towards financials and insurance sectors

Report created on May 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is structured with a significant emphasis on equity ETFs, focusing on major global indexes and specific sectors like financial services and insurance. It includes the S&P 500, global stocks, European insurance, world financials, and a minor allocation to physical gold. This composition reflects a growth-oriented strategy with a moderate level of diversification across sectors and geographies, albeit with a heavy tilt towards developed markets, particularly North America and Europe.

Growth Info

Historical performance showcases a Compound Annual Growth Rate (CAGR) of 17.46%, with volatility captured by a maximum drawdown of -35.47%. Notably, a small number of days have driven the majority of returns, highlighting the impact of significant market movements on portfolio performance. This underscores the importance of staying invested through market cycles to capture key growth periods.

Projection Info

Utilizing Monte Carlo simulations, which project future performance based on historical data, the portfolio shows a wide range of outcomes. While past performance is not indicative of future results, these simulations suggest a strong likelihood of positive returns, with a median projected increase of 861.2%. However, investors should remain aware of the inherent uncertainty in such forecasts.

Asset classes Info

  • Stocks
    83%

The portfolio's allocation leans heavily towards stocks (83%), with a small portion in gold (4%). This asset class distribution supports the portfolio's growth objectives but comes with higher volatility. The absence of fixed-income investments and cash equivalents limits diversification, potentially increasing risk during market downturns.

Sectors Info

  • Financials
    29%
  • Technology
    15%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    5%
  • Consumer Discretionary
    4%
  • Telecommunications
    4%
  • Energy
    3%
  • Consumer Discretionary
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

With a significant allocation towards financial services and technology, the portfolio is positioned to benefit from growth in these sectors. However, this concentration also exposes it to sector-specific risks. Diversifying across a broader range of sectors could reduce volatility and improve long-term stability.

Regions Info

  • North America
    55%
  • Europe Developed
    22%
  • Asia Emerging
    2%
  • Japan
    1%
  • Asia Developed
    1%

Geographic allocation is heavily weighted towards North America (55%) and developed Europe (22%), with minimal exposure to emerging markets. This distribution favors stability and growth potential in developed economies but may miss out on the higher growth rates often found in emerging markets.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    30%
  • Mid-cap
    12%

The focus on mega and large-cap stocks (70% combined) aligns with the portfolio's growth and stability objectives. These companies typically offer more reliable returns and better liquidity. However, incorporating more mid-cap stocks could enhance growth potential and diversification.

Redundant positions Info

  • SSgA SPDR MSCI ACWI
    Amundi Index Solutions - Amundi S&P 500 UCITS ETF C EUR
    High correlation

The high correlation between the S&P 500 and global stock ETFs indicates overlapping exposures, which reduces the diversification benefits of holding both. Streamlining the portfolio by reducing such redundancies could enhance efficiency without significantly increasing risk.

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 analysis suggests that an optimized portfolio could achieve a slightly higher expected return with the same level of risk. This optimization involves adjusting asset allocations to reduce overlap and improve diversification. While the current setup is strong, there's room to enhance efficiency and potentially increase returns.

Ongoing product costs Info

  • Amundi Index Solutions - Amundi S&P 500 UCITS ETF C EUR 0.15%
  • SSgA SPDR MSCI ACWI 0.45%
  • Lyxor Index Fund - Lyxor STOXX Europe 600 Insurance UCITS ETF 0.30%
  • Weighted costs total (per year) 0.24%

The portfolio benefits from relatively low costs, with a weighted average Total Expense Ratio (TER) of 0.24%. Keeping costs low is crucial for enhancing long-term returns, as even small differences in fees can have a significant impact over time.

What next?

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey