Roast mode 🔥

Confident but slightly lazy equity portfolio coasting on the S and P and vibes

Report created on Apr 13, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is three ETFs in a trench coat pretending to be complex. Seventy percent in a broad US index, twenty percent in fancy European momentum, and ten percent in emerging markets value. It’s basically “own the big stuff, sprinkle in one smart-sounding tilt, and call it a day.” For a “balanced” label, it’s hilariously unbalanced in reality: 100% stocks, zero ballast, no safety net. Think of it as a car with a great engine and no brakes — fun until the road gets icy. The upside: it’s simple, transparent, and not trying to be clever for the sake of it. The downside: emotionally, it’s going to kick you in the shins in bad markets.

Growth Info

Performance-wise, this thing has been on a heater. €1,000 became €1,604, with a 21.29% CAGR beating both the US and global markets by a few percentage points. CAGR (compound annual growth rate) is just your average speed over the trip, ignoring the potholes. But that -21% max drawdown is a reminder this is still a full-equity rollercoaster. You got paid more for roughly similar gut-punches as the benchmarks, which is nice, but don’t fall in love with a short backtest. Past data is like last season’s weather: useful for packing, useless for exact forecasts. Enjoy the win, just don’t assume this is your new permanent reality.

Projection Info

The Monte Carlo projection basically says: “You’ll probably be fine, but it could get weird.” Monte Carlo just simulates thousands of possible futures using past-like volatility and returns — like rolling dice for 15 years of markets. Median outcome: €1,000 grows to about €2,704, which is decent but nowhere near the recent 21% party. There’s a 72.5% chance of a positive result, but also a non-trivial chance you end up roughly flat in real terms. The range from €967 to €8,183 is the model’s way of saying, “You are not in control here.” Use it as a rough map, not some prophecy from the Market Gods.

Asset classes Info

  • Stocks
    100%

Asset classes: what asset classes? This is 100% stocks, 0% anything else. No bonds, no cash buffer, no real diversifiers — just pure equity energy. For someone with a “balanced” risk label, this is about as balanced as a one-legged barstool. In good times, that’s great: full exposure to growth, no drag from safer assets. In bad times, your entire portfolio is on the chopping block together. If the plan involves sleeping well through crashes, this structure is doing you no favors. General lesson: asset allocation is adult supervision; this portfolio fired all the adults and handed the keys to equities only.

Sectors Info

  • Technology
    28%
  • Financials
    18%
  • Industrials
    12%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    8%
  • Consumer Staples
    4%
  • Energy
    4%
  • Utilities
    4%
  • Basic Materials
    4%
  • Real Estate
    2%

Sector-wise, this is tech-flavored with a side of financials and industrials. Twenty-eight percent in technology screams “I like growth and I’m not subtle about it.” Financials at 18% and industrials at 12% add some variety, but the portfolio still leans heavily toward economically sensitive areas. Boringly defensive sectors get token representation — just enough to be invited, not enough to matter. When the economic cycle turns, this setup swings harder than a more balanced sector mix. It’s like a band with five lead guitarists and one drummer: fun when the tempo’s up, messy when it’s not. The lesson: sector tilts amplify both joy and pain.

Regions Info

  • North America
    70%
  • Europe Developed
    20%
  • Asia Developed
    5%
  • Asia Emerging
    3%
  • Latin America
    1%

Geography here is “America first, second, and third.” Roughly 70% in North America, 20% in Europe, and whatever crumbs are left sprinkled across the rest of the world. This is basically a global story told with a heavy American accent. To be fair, that’s not wildly different from many global indexes, but calling this truly international is generous. If the US sneezes, this portfolio catches pneumonia. The tiny allocations to emerging and other regions exist, but they’re more like garnish than meaningful drivers. Global diversification can smooth out country-specific risks; here, the US is clearly the main character, everyone else is background extras.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    36%
  • Mid-cap
    15%
  • Small-cap
    1%

Market cap distribution is almost aggressively conventional: 49% mega-cap, 36% large-cap, 15% mid, and a lonely 1% in small caps. This is the corporate equivalent of only hanging out with established celebrities and one broke indie musician. The upside: mega and large caps tend to be more stable, mature businesses that dominate broad indexes. The downside: you’re ignoring a huge chunk of the opportunity set where smaller companies can drive outsized returns (and risk, to be fair). You’re basically saying, “I believe in capitalism, but only once it’s past its awkward growth phase.” Fine, just don’t pretend this is some bold, all-cap exploration strategy.

True holdings Info

  • NVIDIA Corporation
    5.30%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Apple Inc
    4.66%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Microsoft Corporation
    3.44%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Amazon.com Inc
    2.55%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class A
    2.10%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Broadcom Inc
    1.84%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Alphabet Inc Class C
    1.68%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Meta Platforms Inc.
    1.57%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Tesla Inc
    1.31%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Berkshire Hathaway Inc
    1.10%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
  • Top 10 total 25.54%

The look-through holdings scream “Big Tech Fan Club.” NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — all piling in via the ETFs. There’s no single stock overweight that’s insane, but the usual megacap suspects are clearly driving the bus. And remember, this only covers top-10 ETF holdings, so overlap is almost certainly worse than it looks. This isn’t diversification; it’s the same few names showing up in multiple outfits. It’s like inviting “different” people to a party and realizing half are just the same influencers with new sunglasses. The takeaway: don’t kid yourself that three ETFs automatically mean three totally different underlying bets.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 70.00%
    72.7%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc)
    Weight: 20.00%
    18.4%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    8.9%

Risk contribution tells you who’s actually driving the drama, not just who looks big on paper. Here, the S&P 500 ETF is 70% of the weight and contributes 72.7% of the risk — it’s running the show. The other two ETFs are well-behaved: their risk shares are slightly below their weights. No secret volatility monsters hiding in the background; this is a one-ETF-to-rule-them-all situation. That’s not automatically bad, but it means when US large caps wobble, your whole account gets motion sickness. Trimming or repositioning that single core exposure would radically change how this thing behaves, which tells you how concentrated your actual risk engine is.

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 quietly roasting you. It shows the best possible trade-offs between risk and return using your existing ingredients. Your current portfolio sits 3.46 percentage points below that line at its risk level, with a Sharpe ratio of 1.17. Sharpe is just “return per unit of pain” — higher is better. The max Sharpe version reaches 1.72, and even the minimum variance portfolio beats your Sharpe at lower or similar risk. Translation: you’re leaving a lot on the table purely through suboptimal weights. With zero new products, just reshuffling the same three ETFs, you could have meaningfully better risk-adjusted outcomes. Right now, it’s like driving with one flat tire by choice.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc) 0.25%
  • Weighted costs total (per year) 0.09%

Costs are probably the most grown-up part of this portfolio. A total TER of 0.09% is impressively low, especially for a setup that includes two factor ETFs. It’s like you walked into a fancy restaurant and somehow ended up paying fast-food prices. The EM value ETF at 0.40% is the priciest passenger, but given its small weight, it doesn’t wreck the overall bill. Low fees don’t guarantee success, but high fees almost guarantee regret over time. At least here, you’re not lighting money on fire just to own basic building blocks. Credit where it’s due: you clicked the cheap stuff on purpose, not by accident.

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