Roast mode 🔥

World tracker on autopilot accidentally spiced with tiny factor tilt and a redundant sidecar

Report created on May 3, 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 basically one big global index fund with two tiny accessories bolted on for decoration. Ninety percent in a single ACWI ETF does all the heavy lifting, while a 5% US tracker and a 5% emerging markets value tilt buzz around like extras who think they’re leads. Structurally, it’s “I bought the world and then got bored.” The side funds are way too small to change the character of the portfolio in any meaningful way, but just big enough to complicate things. In portfolio terms, this is a smoothie with one banana and then two chocolate chips sprinkled on top pretending to be a new recipe.

Growth Info

Historically, this thing has absolutely ripped: CAGR around 20.5%, turning €1,000 into €1,596 over a very short window. It even edged out both the US and global benchmarks, but not by a margin worth bragging about at dinner. The max drawdown of around -21% shows it still kicks you in the shins when markets wobble, even if it recovered in a reasonable six months. This is textbook “fully in equities” behaviour: strong upside, occasional faceplant. Also, this backtest is basically one micro-era of markets, not some timeless truth. Past data is yesterday’s weather — useful, but it doesn’t hand out guarantees.

Projection Info

The Monte Carlo projection basically says, “You’re probably fine, but don’t get cocky.” A €1,000 stake has a median outcome around €2,799 in 15 years, which sounds nice until you notice the p5 outcome limping in at roughly where you started. That 75% chance of a positive return is not 100%, and the p95 number just whispers what could happen if everything goes right and unicorns keep flying. Monte Carlo is just thousands of what-if futures based on past behaviour; it’s not a prophecy engine. The main takeaway: this portfolio lives and dies with global equities, so the ride will never be boring.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is generous wording, because it’s literally 100% stocks and nothing else. No bonds, no cash buffer, no alternatives — just pure equity exposure wearing a “balanced” label like a joke. In asset-class terms, this is an all-gas-no-brakes setup pretending to be moderately sensible. Equities are great for growth, but they don’t exactly tuck you in during rough markets. For anyone glancing only at the risk score or the “balanced” tag, the mismatch between label and reality is doing some quiet false advertising. The portfolio’s personality is growth junkie, not middle-of-the-road diplomat.

Sectors Info

  • Technology
    28%
  • Financials
    17%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, this is basically “tech and friends.” Technology at 28% is the main character, with financials and industrials as supporting cast and everything else sprinkled in to make the pie chart look respectable. That kind of tech tilt means the portfolio’s mood swings are closely tied to a handful of high-expectation, high-narrative industries. When things are rosy, this looks genius; when sentiment turns, it all suddenly feels very “oops.” The lower slices like utilities and real estate are tiny enough that they barely register as stabilisers. For a global mix, this leans harder into growthy sectors than a chill, neutral setup would.

Regions Info

  • North America
    65%
  • Europe Developed
    13%
  • Asia Developed
    7%
  • Asia Emerging
    6%
  • Japan
    5%
  • Latin America
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, this “global” portfolio is really a North America fan club with 65% parked there. The rest of the world shows up mainly as participation trophies: Europe gets a decent 13%, Asia developed and emerging scrape together some representation, and everywhere else sits in rounding-error land. It’s basically saying the sun rises in the US and occasionally shines elsewhere. That’s very much in line with standard global market-cap weighting, but it still means political, currency, and growth risks are heavily keyed to one region. If that region sneezes, this portfolio catches the flu, and the rest of the world barely has a vote.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    35%
  • Mid-cap
    15%

On market cap, this is a straight-up large-and-mega-cap worship service: 50% mega, 35% large, and a token 15% mid-cap thrown in so the chart isn’t embarrassing. Small caps are apparently not invited to this party at all. That means the portfolio hugs the biggest, most well-known names — stable-ish, but also very index-hugging and mainstream. The upside is fewer random blowups; the downside is living and dying with the same giants everyone else owns. When the mega-caps wobble together, there’s not much in the structure here to behave differently or add interesting, uncorrelated spice.

True holdings Info

  • NVIDIA Corporation
    4.62%
    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
    4.06%
    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
    2.85%
    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
  • Amazon.com Inc
    2.17%
    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.
    1.87%
    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
  • Alphabet Inc Class A
    1.81%
    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
  • Broadcom Inc
    1.52%
    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.
    1.36%
    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
    1.15%
    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 22.95%

The look-through holdings tell a simple story: this portfolio is quietly obsessed with the usual mega-cap celebrities. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — the whole FAANG-ish circus is front and center. You don’t own them directly, but through multiple ETFs, so they show up like cameos in every scene. Overlap is definitely higher than the coverage numbers suggest, since we’re only seeing ETF top 10s. Translation: a few glamour names are doing a lot of the work behind the curtain. It’s less a diversified cast and more a star-studded blockbuster with a forgettable supporting lineup.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 90.00%
    89.9%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 5.00%
    5.3%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 5.00%
    4.8%

Risk contribution is where the illusion of “three-fund mix” completely dies. The ACWI ETF is 90% of the weight and about 90% of the risk, which is exactly as boring as it sounds. The S&P 500 ETF contributes a smidge more risk than its weight, the EM value ETF a smidge less, but basically 100% of the portfolio’s mood is tied to those three and dominated by one. Risk contribution shows which positions are hogging the volatility spotlight; here, the star and the risk hog are the same holding. The side positions are mostly psychological comfort, not real diversification engines.

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 section exposes the most pointless pairing in the whole setup: the S&P 500 ETF and the ACWI ETF move almost identically. Owning both is like buying two slightly different flavours of the same soda and calling it variety. Correlation just measures how often things move together, and here the answer is “pretty much always.” So instead of independent return streams, you have echoes of the same US-heavy equity risk. It doesn’t hurt you directly, but it definitely doesn’t earn its keep as a distinct diversifier. In a crash, these two will likely tumble in lockstep.

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 efficient frontier chart is brutal: the current portfolio sits 1.78 percentage points below what could be achieved just by rearranging the same three holdings. Sharpe ratio of 1.16 versus a possible 1.76 is like driving a sports car permanently stuck in eco mode. The minimum-variance portfolio even delivers slightly higher expected return with basically the same risk as now, which is just adding insult to inefficiency. The message is simple: this isn’t a bad lineup, it’s just a lazy lineup. The ingredients are fine, the recipe is half-baked, and the risk-return trade-off clearly leaves free performance on the table.

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) 0.13%

Costs are almost suspiciously low, with a total TER around 0.13%. That’s “did you accidentally do something smart?” territory. The EM value ETF is the pricey diva at 0.40%, but it’s only 5% of the mix, so the overall drag stays tiny. The big ACWI and S&P 500 positions are cheap workhorses doing exactly what index funds should: be boring and not eat your lunch in fees. There isn’t much to roast here — if anything, it’s impressively frugal given the multi-ETF setup. You basically built an almost-free global tracker and then added one slightly bougie sidekick.

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