This portfolio has only about 1.4 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Big emerging markets bet hiding inside a spreadsheet that thinks it is well diversified

Report created on May 7, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is basically a three‑fund voting bloc in disguise. The two big emerging‑markets funds and the global equity ETF together run the show, while the tiny world and small‑cap allocations are more decorative than impactful. For a “balanced” label, 100% equities with a chunky tilt toward volatile regions is a bit of a plot twist. The structure screams “all‑equity growth bet” while the risk label politely whispers “moderate.” With only about 1.4 years of history, none of this has actually been crash‑tested in a proper bear market, so any apparent composure so far could just be because the market hasn’t really tried to punch it in the face yet.

Growth Info

On paper, the recent performance looks heroic: about €1,263 from €1,000 in roughly 1.4 years, trouncing both the US and global benchmarks. The CAGR of 18.5% vs 5–9% for the benchmarks makes this look like a genius portfolio, but that’s illusion‑prone math over a short window. One ugly patch did show up: almost a 20% drawdown in a couple of months, then a four‑month crawl back. That’s a reminder that the ride isn’t gentle. With just 8 days driving 90% of returns, this is a “miss a few big days and your story changes” setup. Past data here is more party snapshot than long‑term biography.

Projection Info

The Monte Carlo projection is basically a financial weather simulator: it reruns thousands of “alternate histories” using the recent return and volatility patterns, then spits out likely futures. Here, the median path turns €1,000 into about €2,673 in 15 years, but the possible range from roughly €1,031 to nearly €7,877 is massive. That huge spread is what happens when you feed a volatile, emerging‑markets‑tilted portfolio into the machine. And with only 1.4 years of data, the simulator is learning from a very short highlight reel. Treat these outputs as “vibes with numbers” rather than a contract with the future.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is simple: stocks or nothing. Bonds, cash buffers, or anything that behaves differently in a crisis are totally absent. That’s fine if the goal is pure growth exposure, but it makes the “balanced” description feel like marketing poetry rather than a risk description. When everything is equity, everything tends to scream together during real panics. The 15‑year simulations already show wide outcome dispersion; add a full bear market and that range could feel even more dramatic. With only short history backing the risk estimates, the all‑equity bet is like driving fast based on 10 minutes of smooth traffic data.

Sectors Info

  • Technology
    23%
  • Financials
    15%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    5%
  • Basic Materials
    5%
  • Energy
    5%
  • Health Care
    4%
  • Consumer Staples
    3%
  • Utilities
    2%
  • Real Estate
    1%

Some holdings may not have full classification data available. Percentages may not add up to 100%.

Sector‑wise, this portfolio is clearly tech‑flavored, with technology taking up nearly a quarter of the exposure. Financials, industrials, and consumer areas follow, but tech and communication‑heavy names dominate the recognizable look‑through holdings. That’s not wildly different from many broad indexes today, but it does mean a lot of returns depend on a relatively narrow band of the global economy continuing to impress. If leadership rotates toward duller, slower sectors, this mix could suddenly feel less brilliant. Given the short performance window, it’s entirely possible the great recent results are just this sector tilt riding a favorable short‑term wave rather than showing some deep structural edge.

Regions Info

  • North America
    26%
  • Asia Developed
    20%
  • Asia Emerging
    17%
  • Europe Developed
    6%
  • Africa/Middle East
    4%
  • Latin America
    3%
  • Japan
    2%
  • Europe Emerging
    1%
  • Australasia
    1%

Some holdings may not have full classification data available. Percentages may not add up to 100%.

Geographically, the portfolio is trying to look global but can’t hide its emerging‑markets crush. North America is a bit over a quarter, while Asia (developed and emerging) and other non‑US regions collectively dominate. That’s a reversal of the usual “US or bust” problem, and it cuts both ways: less US concentration risk, but more reliance on markets where politics, regulation, and currency shocks love to surprise people. With a diversification score of 4/5, this looks worldly on paper, yet the risk profile is still heavily influenced by a few less predictable regions. Over just 1.4 years, that hasn’t really been tested in a deep global stress scenario.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    27%
  • Mid-cap
    19%
  • Small-cap
    8%
  • Micro-cap
    3%

The market cap mix leans heavily into the giants: over 40% mega‑caps and another quarter in large‑caps. Mid‑caps add some flavor, while small and micro together are barely double‑digits. So despite having a “global small cap value” fund, the portfolio is still mostly a big‑company popularity contest with a modest side bet on the scrappier names. That means volatility is driven more by broad macro trends and mega‑cap sentiment than by true small‑cap chaos. Over the short history, that probably helped keep things from going completely off the rails, but in big rotations where large vs small behave differently, this tilt could show up as surprisingly conventional rather than edgy.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    5.78%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Tencent Holdings Ltd
    1.99%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Samsung Electronics Co Ltd
    1.96%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • SK Hynix Inc
    1.73%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Taiwan Semiconductor Manufacturing
    1.09%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
  • Apple Inc
    1.07%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • UBS (Irl) ETF plc - MSCI World UCITS ETF (USD) A-acc
  • NVIDIA Corporation
    1.00%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • UBS (Irl) ETF plc - MSCI World UCITS ETF (USD) A-acc
  • Alibaba Group Holding Ltd
    0.99%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • SMSN
    0.72%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
  • Microsoft Corporation
    0.66%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • UBS (Irl) ETF plc - MSCI World UCITS ETF (USD) A-acc
  • Top 10 total 17.00%

The look‑through holdings scream “hidden concentration in the usual suspects.” Taiwan Semiconductor shows up twice and altogether takes up a noticeably chunky slice. Then there’s the classic mega‑cap club: Apple, Microsoft, NVIDIA, plus the big Asian platform names like Tencent and Alibaba. Because only ETF top‑10s are visible, this is just the tip of the iceberg, but it already shows how multiple funds end up piling into the same names. That overlap turns what looks like diverse ETFs into a set of different wrappers around the same core companies. With limited history, it’s hard to tell if this concentration is a skillful tilt or just the default behaviour of modern indexes.

Risk contribution Info

  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 45.00%
    48.3%
  • Avantis Global Equity UCITS ETF USD Acc EUR
    Weight: 25.00%
    21.9%
  • Avantis Emerging Markets Equity UCITS ETF
    Weight: 20.00%
    20.9%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 5.00%
    4.6%
  • UBS (Irl) ETF plc - MSCI World UCITS ETF (USD) A-acc
    Weight: 5.00%
    4.3%

Risk contribution lays bare who is really shaking the portfolio, and the answer is: the top three funds, massively. The large emerging‑markets ETF alone carries almost half the total risk, more than its already hefty weight. Add the two Avantis core funds and you’ve got 91% of the portfolio’s risk in three positions. That’s concentration in behavior, not just in holdings. If one of those goes through a rough phase, the entire portfolio catches the cold. The smaller positions are basically background noise for volatility. And all of these risk numbers are drawn from a very short backstory, so the real fragility might only show up when markets get properly mean.

Redundant positions Info

  • iShares Core MSCI Emerging Markets IMI UCITS
    Avantis Emerging Markets Equity UCITS ETF
    High correlation
  • UBS (Irl) ETF plc - MSCI World UCITS ETF (USD) A-acc
    Avantis Global Equity UCITS ETF USD Acc EUR
    High correlation

The correlation chart politely exposes the redundancy: the two emerging‑markets funds move almost in lockstep, and the two global/world funds do pretty much the same thing. Correlation is just the “do these things dance together?” statistic, and here the answer is “yes, awkwardly closely.” That means some of the perceived diversification is just owning multiple wrappers that cheer or cry at the same time. In a big downturn, the EM pair is likely to sink in formation, while the global pair does its own tandem dive. Over 1.4 years, that’s only mildly visible, but in a proper crisis the “broadly diversified” label will feel much thinner than the brochure suggests.

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 risk–return chart, this portfolio is actually sitting right on or very close to the efficient frontier, which is faintly annoying because it means the math likes what it sees. The efficient frontier is basically the curve of “best possible tradeoffs” using the same ingredients. The current Sharpe ratio of 0.9 isn’t as high as the theoretical 1.26 available from a different mix of these funds, but for its chosen risk level it’s playing in the right part of the curve. Of course, that whole setup is built on just 1.4 noisy years of history; change the sample and today’s “efficient” might look like tomorrow’s awkward compromise.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • UBS (Irl) ETF plc - MSCI World UCITS ETF (USD) A-acc 0.06%
  • Avantis Global Equity UCITS ETF USD Acc EUR 0.22%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR 0.39%
  • Avantis Emerging Markets Equity UCITS ETF 0.35%
  • Weighted costs total (per year) 0.23%

Costs are one of the few areas where this portfolio isn’t trying to be dramatic. A blended TER around 0.23% is perfectly reasonable for a multi‑ETF setup with some factor tilts. The core index pieces are refreshingly cheap; the Avantis funds ask for more but not in an outrageous “why am I paying this?” way. Still, even fair‑looking fees compound over 15 years, so the bar for active tilts actually adding value is higher than it looks. With only 1.4 years of data, there’s zero solid evidence yet that the pricier components are earning their keep rather than just being more expensive passengers on the same global ride.

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