A balanced and highly diversified portfolio with a strong tilt towards technology and global equities

Report created on Jun 11, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio predominantly consists of global and US equities, with a significant allocation in technology through the VanEck Semiconductor UCITS ETF. The Vanguard FTSE All-World UCITS ETF and Vanguard S&P 500 UCITS ETF form the core of the portfolio, providing broad market exposure. The inclusion of the iShares Physical Gold ETC and Vanguard FTSE 100 UCITS ETF adds a layer of diversification and potential hedge against market volatility. The diversification score reflects a well-structured approach to spreading risk across sectors and geographies.

Growth Info

Historically, this portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 12.48%. The maximum drawdown of -20.67% indicates resilience during market downturns. A key observation is that a small number of days have contributed significantly to the overall returns, highlighting the impact of short-term market movements on performance. This underscores the importance of staying invested over the long term to capture such gains.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes, with the median scenario suggesting a substantial increase in value. The simulations show a high likelihood of positive returns, reinforcing the portfolio's strong foundation for growth. However, it's essential to remember that these projections are based on historical data and should be viewed as one of many tools in assessing future performance potential.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The asset class distribution is heavily weighted towards stocks (95%), which is appropriate for a balanced profile seeking growth. The small allocation to "Other" (5%) through the iShares Physical Gold ETC introduces a non-correlated asset, which can serve as a hedge against inflation and stock market volatility. This allocation strategy aligns with the portfolio's risk score and diversification objectives.

Sectors Info

  • Technology
    31%
  • Financials
    15%
  • Health Care
    9%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation reveals a significant emphasis on technology, which can offer high growth potential but may also introduce higher volatility. Financial Services, Healthcare, and Consumer Cyclicals are well-represented, providing a good balance across industries that have different economic sensitivities. This sectoral spread supports the portfolio's aim of capturing growth while mitigating risk through diversification.

Regions Info

  • North America
    66%
  • Europe Developed
    15%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is heavily weighted towards North America, particularly the US, which is a common strategy given the region's large and liquid markets. The exposure to developed Europe and emerging Asia offers additional diversification benefits. However, the limited exposure to emerging markets and other regions might be an area to explore for further diversification and growth opportunities.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    34%
  • Mid-cap
    15%
  • No data
    5%
  • Small-cap
    1%

The market capitalization breakdown shows a strong lean towards mega and big-cap companies, which tend to be more stable and less volatile than smaller companies. Medium-cap exposure introduces growth potential, while the minimal allocation to small and micro-caps limits exposure to the higher volatility associated with smaller companies. This composition is well-suited for a balanced investment strategy.

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.

Considering the Efficient Frontier, the portfolio appears well-optimized for a balance between risk and return, given the current asset allocation. Future adjustments could explore slightly increasing exposure to emerging markets or alternative asset classes to potentially enhance returns without disproportionately increasing risk. However, any changes should be carefully evaluated against the investor's risk tolerance and investment horizon.

Ongoing product costs Info

  • iShares Physical Gold ETC 0.25%
  • VanEck Semiconductor UCITS ETF 0.35%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Vanguard FTSE 100 UCITS GBP Acc 0.10%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Weighted costs total (per year) 0.20%

The portfolio's overall cost structure, with a Total Expense Ratio (TER) of 0.20%, is impressively low, especially considering the diversification and exposure to specialized sectors like technology. Keeping costs low is crucial for enhancing long-term returns, as even small differences in fees can have a significant impact over time.

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