Roast mode 🔥

Two fund portfolio somehow sensible but still paying full price for the house wine

Report created on Apr 4, 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 basically two ETFs in a trench coat pretending to be a whole investment strategy. One global all‑cap fund at 80% does all the heavy lifting, while a 20% regional side quest in Europe wanders around looking important. It’s not disastrous, just a bit redundant: the global fund already owns Europe, so that extra 20% is like ordering a side of fries with your large fries. The structure screams “I wanted diversification but also really like Europe.” Takeaway: if simplicity was the goal, this nails it; if subtle fine‑tuning was the goal, it’s more like scribbling with a crayon.

Growth Info

Historically, this thing turned €1,000 into €2,740 over ten years, which is good money in real life and distinctly average in market terms. CAGR of 11.35% is fine until you look over the fence and see the US market doing 14.50% and the global market at 12.01%. You basically paid for a global experience and then slightly underperformed just sitting in “the market.” Max drawdown at roughly -35% is standard “equities hurt sometimes,” nothing uniquely awful. Past performance is like old Instagram posts: interesting, occasionally painful, but not a guarantee you’ll keep that vibe going.

Projection Info

The Monte Carlo projection basically says: “You’ll probably be okay, but don’t get cocky.” Monte Carlo is just a fancy way of running thousands of what‑if futures using past volatility and returns, like simulating 1,000 alternate universes for your €1,000. Median outcome is about €2,786 after 15 years, but the range runs from “barely broke even” to “I swear I planned this all along.” Remember, this is all yesterday’s weather being used to guess tomorrow’s climate. Takeaway: expect decent long‑term odds, but don’t confuse “73.7% chance of a positive return” with guaranteed success or a smooth ride.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% anything else. This is not “balanced” in any real‑world sense; it’s fully strapped into the equity rollercoaster while the risk label politely calls it “Balanced Investors.” There’s no bonds, no cash buffer, no diversifying ballast — just vibes and volatility. For someone with decades ahead, that can be perfectly reasonable, but let’s not pretend this is a gentle stroll. When markets tank, this setup doesn’t cushion the fall; it just falls slightly more globally. The upside is simplicity and long‑term growth potential; the downside is you really need the stomach and time horizon to match.

Sectors Info

  • Technology
    22%
  • Financials
    18%
  • Industrials
    14%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector mix: Tech at 22%, financials at 18%, industrials at 14%, then everything else trailing behind. It’s basically the world as it is, with a mild tech addiction but not totally unhinged. You’re not all‑in on one shiny theme, but Big Tech is still steering the bus, whether you meant it to or not. In a tech boom, this looks genius; in a tech faceplant, it suddenly looks like a very concentrated “whoops.” Takeaway: broad sector spread is solid, but don’t kid yourself — a lot of your fate is tied to whether the usual tech giants keep printing money.

Regions Info

  • North America
    51%
  • Europe Developed
    31%
  • Asia Developed
    5%
  • Japan
    5%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is “World, but please keep Europe in the shot.” About 51% in North America, 31% in developed Europe, and then token gestures to the rest of the planet. Honestly, that’s not bad for a European investor: you’re not hiding everything at home, but you did give Europe a louder microphone than global market weights would. It’s like insisting the DJ play one extra track from your hometown band. Upside: some home‑region familiarity and currency alignment. Downside: if Europe limps while the rest of the world sprints, you’ve gently sabotaged your own global diversification for sentimental reasons.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    32%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

Market cap mix leans heavily toward the giants: 46% mega‑caps, 32% large‑caps, then a gradual fade into mid, small, and microscopic. This is basically the default setting of modern index funds: “put most of the money in the biggest kids and toss some crumbs to everyone else.” It’s not wrong, it’s just very conventional. The risk is that you’re highly dependent on a handful of massive firms that already dominate everything. If the megas stumble or just go sideways for years, the small fry don’t have enough weight to rescue performance in any noticeable way.

True holdings Info

  • NVIDIA Corporation
    3.13%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Apple Inc
    2.84%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Microsoft Corporation
    2.00%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Amazon.com Inc
    1.46%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Alphabet Inc Class A
    1.36%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.18%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Alphabet Inc Class C
    1.09%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Broadcom Inc
    1.04%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Meta Platforms Inc.
    1.03%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Tesla Inc
    0.83%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Top 10 total 15.97%

The look‑through holdings are the usual celebrity lineup: Nvidia, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and friends. Translation: this portfolio is quietly worshipping at the altar of Big Tech and Mega‑Cap Growth, even if it pretends to be a chilled global mix. Overlap is almost certainly higher than it looks, because we only see ETF top 10s — the real duplication party is happening off‑screen. The risk here is thinking you’re widely spread when you’re really just holding the world’s most popular fan club of the same ten companies, again and again, in slightly different wrappers.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    Weight: 80.00%
    80.9%
  • Amundi Stoxx Europe 600 UCITS ETF C
    Weight: 20.00%
    19.1%

Risk contribution is refreshingly simple: the big global ETF is 80% of the weight and about 81% of the risk, the Europe ETF is 20% of the weight and 19% of the risk. No sneaky 5% position secretly causing 30% of the drama. Here, what you see is what shakes your portfolio. That said, it also means your entire ride is basically dictated by one global fund, with the Europe tilt just slightly nudging the feel. Takeaway: this is clean and transparent, but if you ever want to soften shocks, the adjustment levers are extremely obvious — and very few.

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 the efficient frontier, this portfolio is annoyingly competent. The current allocation sits basically on the curve, with a Sharpe ratio of 0.52 versus 0.73 for the optimal mix using the same holdings. Efficient frontier is just the nerdy way of asking: “Given these ingredients, what’s the best risk/return recipe?” The math says you’re already in the realm of “pretty sensible,” not leaving huge free performance on the table. Reweighting between the two ETFs could squeeze out slightly better risk‑adjusted returns, but there’s no horror story here. It’s like someone randomly guessed the recipe and still got a decent cake.

Ongoing product costs Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.40%
  • Amundi Stoxx Europe 600 UCITS ETF C 0.07%
  • Weighted costs total (per year) 0.33%

Costs are the part that really deserves a side‑eye. A total TER of 0.33% for what is essentially a two‑ETF vanilla setup is like paying craft‑cocktail prices for tap water with ice. The global ETF at 0.40% is the main culprit; the cheap Europe piece at 0.07% is actually behaved. In a world where broad global exposure can often be had for much less, that 0.40% looks like a loyalty tax. Over decades, that fee quietly shaves a non‑trivial slice off your returns, without giving you anything especially fancy in return. Efficient structure, slightly overpriced core ingredient.

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