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A supposedly balanced portfolio that is actually an all equity US worshipping growth rocket

Report created on Jan 26, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This “balanced” setup is basically three flavors of the same global equity smoothie, with 68% in S&P 500 and almost all the rest in two All-World twins. That’s like calling three cheeseburgers a “varied diet” because one has extra pickles. For something tagged as balanced and moderately diversified, it’s aggressively one-note: global large-cap stocks with a heavy US tilt. A simple structure is fine, but this is borderline redundant. Cleaning this up into one or two core funds would make it easier to manage, easier to understand, and less of an illusion that there’s real diversification magic happening under the hood.

Growth Info

Historic performance with a 13.9% CAGR sounds amazing – like you caught the market on a good hair decade. If someone had put €10,000 in at the start of the backtest, they’d be sitting on around €36,000 now, roughly in line with a strong global or US index. But don’t get too emotionally attached: this is the result of a monster bull run, not personal genius. Max drawdown of -33.6% means it can kick you in the teeth when things turn. Past data is like last season’s weather – useful, but it won’t stop the next storm.

Projection Info

The Monte Carlo simulation basically says: “Things will probably be fine… unless they aren’t.” Monte Carlo is just a fancy way of running thousands of random what-if market paths to see a range of outcomes, not a crystal ball. Here, the median result of +430% looks dreamy, with even the gloomy 5th percentile still at about -14.2% from start (ending around 85.8%). But simulations use past return and volatility patterns, which are like assuming every future party will be as wild as the last one. It’s a decent sanity check, not a guarantee for a Caribbean-retirement fantasy.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% everything else. So much for “balanced.” This is a pure equity portfolio cosplaying as something middle-of-the-road. Balanced usually means some blend of stocks and safer stuff like bonds or cash to cushion big drops. Here, if markets tank, the whole thing goes down together with no obvious shock absorber. That’s fine for someone with a long horizon and iron stomach, but the label “Profile_Balanced” is doing a lot of PR work. If smoother rides matter, adding a non-equity slice could turn this from roller coaster into something slightly less vomit-inducing.

Sectors Info

  • Technology
    33%
  • Financials
    14%
  • Consumer Discretionary
    10%
  • Telecommunications
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

Sector breakdown screams: “Tech addiction with a side of finance.” About a third in Technology, 14% in Financials, and then a mix of cyclicals, communication, and healthcare doing backup dancer work. This mirrors big global and US indexes, but that doesn’t make it less concentrated in today’s market darlings. If tech catches a cold, this portfolio gets the full flu. Sector weighting isn’t wrong here, just very index-like and very growth-tilted. If someone wants to dial down the drama, nudging toward a more even sector spread or adding things that don’t move in sync with megacap tech could help.

Regions Info

  • North America
    89%
  • Europe Developed
    5%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%

Geographically, this thing is basically “North America or bust”: 89% there, with Europe and the rest of the world sprinkled in like garnish. For a German-based investor, that’s a strong vote of no-confidence in literally every other region. This is broadly in line with cap-weighted world indexes, so it isn’t some bizarre choice, but it’s still heavily US-driven. When the US booms, great; when it lags, you’re just watching other regions from the sidelines. For anyone actually wanting global balance, dialing up non-US exposure a bit could reduce the “Wall Street is my personality” vibe.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    35%
  • Mid-cap
    18%
  • Small-cap
    1%

Market cap tilt: 81% in mega and big caps, 18% in mid, and a lonely 1% in small caps. Translation: this is a blue-chip popularity contest, not a scrappy underdog story. That matches broad market indexes, but it means growth is heavily tied to already huge companies. Great for stability relative to small caps, but not exactly adventurous. If someone wants more juice (and more chaos), a deliberate small- or mid-cap tilt could do that. If they want calmer nights, this current mix is actually pretty reasonable — boring in a good way, even if it screams “index hugger.”

Redundant positions Info

  • Vanguard S&P 500 UCITS ETF EUR
    Vanguard FTSE All-World UCITS ETF USD Accumulation
    Vanguard FTSE All-World UCITS ETF
    High correlation

Correlation-wise, this setup is just three siblings marching in lockstep. All positions are highly correlated, which means when one goes down, the others say “same” and follow. Correlation just means how similarly things move: a value close to 1 is everything dancing to the same song. Here, S&P 500 and both All-World funds are basically clones with slightly different accents. That kills most diversification benefit across holdings. Trimming overlapping funds and sticking with one or two core broad trackers would simplify things without changing the actual behavior much — fewer tickers, same roller coaster.

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 a risk–return efficiency scale (the so-called Efficient Frontier, basically the best bang-for-risk lineup), this portfolio sits like a strong but slightly lazy index clone. Risk is high because it’s 100% equity, return has been high because markets cooperated, but there’s almost no attempt to tweak the mix for smoother outcomes. The overlapping funds just add clutter, not better risk-adjusted returns. Cutting duplicates and, if needed, sprinkling in genuinely diversifying assets could move it closer to an efficient risk–return trade-off. Right now it’s “all gas, no brakes” while calling itself “Balanced,” which is mildly hilarious.

Dividends Info

  • Vanguard FTSE All-World UCITS ETF 0.80%
  • Vanguard S&P 500 UCITS ETF EUR 0.50%
  • Weighted yield (per year) 0.36%

Dividend yield at 0.36% total is… barely coffee money. This is a growth-tilted portfolio, not a cash-flow machine. Dividends are just the cash companies toss out to shareholders; here, they’re not the main story at all. That’s fine if the goal is compounding and long-term growth rather than paying monthly bills. But anyone dreaming of living off dividends from this setup is in full fantasy mode. If income ever becomes a real goal, the structure would need a serious shift toward higher-yielding assets, not just trusting low-yield global indexes to magically spit out rent money.

Ongoing product costs Info

  • Vanguard FTSE All-World UCITS ETF 0.19%
  • Vanguard S&P 500 UCITS ETF EUR 0.07%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Weighted costs total (per year) 0.11%

Costs are the one area where this portfolio looks almost suspiciously competent. A total TER of 0.11% is impressively low — like you accidentally did the right thing by clicking the cheap ETFs instead of the flashy ones. Low fees matter because they’re the slow leak in the tire; you don’t notice them daily, but over decades they wreck performance. Here, the leak is tiny. The main drag is not cost, it’s structure and concentration. So fees: gold star. Everything else: still needs work. Just don’t “optimize” by adding expensive, fancy products that do less for more.

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