A mostly sensible portfolio wearing a leather jacket and secretly day trading bitcoin on weekends
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.
What type of investor this portfolio is suitable for
Balanced Investors
This structure fits someone who says “balanced” but secretly enjoys a bit of financial turbulence. It points to a medium-to-high risk tolerance, comfort with global equity swings, and a willingness to flirt with factors and crypto without going full degen. The time horizon implied is long term — think at least 10–15 years — because the equity tilt and Bitcoin spice make short-term stability a joke. Goals are likely growth-first, with capital preservation a distant second. This suits a planner who likes simplicity at the core but can’t resist one or two bold moves, as long as they accept that those moves can underperform for long, boring stretches.
Positions
-
Vanguard FTSE All-World UCITS ETF USD Accumulation
VWCE - IE00BK5BQT80 70.00% -
iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
EUNA - IE00BDBRDM35 15.00% -
Avantis Global Small Cap Value UCITS ETF USD Acc EUR
AVWS - IE0003R87OG3 10.00% -
CoinShares Physical Bitcoin (BTC) EUR
BITC - GB00BLD4ZL17 5.00%
This mix looks like a textbook global ETF portfolio that got a little too curious with crypto. Around 70% in a global equity fund, 15% in global bonds, 10% in small cap value, and 5% Bitcoin screams “balanced…ish.” Versus a classic balanced portfolio (often nearer 60% stocks 40% bonds), this one is leaning hard into growth while still pretending to be moderate. That mismatch between the “balanced” label and the reality can fool someone into underestimating the punch in a real crash. Tighten the story: decide if this is truly balanced or unapologetically growth-heavy, and then align the bond slice and the crypto garnish with that decision.
Historical data is limited for this portfolio, which reduces the confidence in the calculated values.
Growth
Historically, a CAGR of 11.65% with a max drawdown of about –19% looks almost suspiciously well-behaved for an 80% equity portfolio plus Bitcoin. If 10,000 EUR had been invested at the start, it would have grown impressively against most balanced benchmarks, which might land closer to 6–8% long term. Just remember: CAGR (Compound Annual Growth Rate) is like bragging about your average speed on the Autobahn while forgetting about the traffic jams. Past performance is yesterday’s weather, not tomorrow’s forecast. Use the strong history as proof the structure can work, but don’t kid yourself that it guarantees a repeat — especially with crypto in the mix.
Due to limited historical data, this may show extreme values that are not realistic.
Projection
Those Monte Carlo results are basically a hype machine with a calculator. Monte Carlo simulation just runs loads of random “what if” scenarios based on assumed returns and volatility. A 50th percentile outcome of roughly +500% and an average simulated return of 16.66% are more fantasy novel than base case, especially in a world of rising rates and slower growth. Simulations are only as realistic as the inputs — feed them optimistic numbers and they’ll happily tell fairy tales. Treat the wild upside scenarios as “nice if it happens” and anchor expectations around lower, boring returns. Build a plan that still works if the future is way less generous than those shiny charts.
Asset classes
- Stocks 80%
- Bonds 15%
- Cash 0%
- Other 0%
- No data 0%
The asset-class split is simple: roughly 80% stocks, 15% bonds, 0% cash, and a little “other” hiding inside the Bitcoin ETF. For something labelled balanced, this is more like a growth portfolio that panic-bought one bond ETF for respectability. In real downturns, 15% bonds won’t save the day; it’ll just soften the slap slightly. Cash at 0% is efficient, but it also means no dry powder if markets tank. Think of bonds and cash as your seatbelt and airbag: boring until you need them. If stability and smoother rides matter, beef up the safety gear instead of relying almost entirely on equities to behave nicely.
Sectors
- Technology 21%
- Financials 14%
- Consumer Discretionary 9%
- Industrials 9%
- Telecommunications 6%
- Health Care 6%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector spread is actually pretty sane, which makes the 5% Bitcoin side quest look even louder. Tech at 21% is a tilt, but not a full-blown addiction compared to many global indexes. Financials, cyclicals, industrials, and defensives are all present like a reasonably balanced cast in a movie where no one gets all the screen time. That’s good news: one sector blow-up won’t automatically sink everything. Still, remember that global equity ETFs often hide a tech-and-US bias under the word “diversified.” Regularly check that no single sector quietly creeps far above market weights, especially after long bull runs, and nudge things back in line instead of letting yesterday’s winners dominate the script.
Regions
- North America 53%
- Europe Developed 11%
- Japan 5%
- Asia Emerging 4%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
- Europe Emerging 0%
Geographically, this screams “America or bust” with 53% in North America and Europe demoted to supporting role status. That’s very close to global market-cap reality, so it’s not insane — but it does mean huge dependence on the US economy, US politics, and US corporate earnings. Japan, Asia, and emerging markets are sprinkled in like garnish rather than serious ingredients. This can work brilliantly when the US is on fire (the good kind), but it turns you into collateral damage if US valuations deflate. A more deliberate tilt toward other developed and emerging regions could reduce the “USA is my personality” risk and make the portfolio less hostage to one country’s mood swings.
Market capitalization
- Mega-cap 33%
- Large-cap 24%
- Mid-cap 14%
- Small-cap 5%
- Micro-cap 4%
The size mix is mostly mega and large caps, with a tiny rebellion of small and micro caps hanging out at the edge. Then you’ve thrown in a 10% global small cap value ETF, which is like bolting a turbocharger onto a family car. Size-wise, this adds volatility and tracking error versus a standard global index — it can outperform nicely, but it can also underperform for painfully long stretches. If someone can’t stomach multi-year periods of “why is this lagging the boring index,” this tilt is going to feel like a bad decision. Either embrace the small-value tilt as a long-term conviction or dial it back and stop play-acting as a factor investor.
Ongoing product costs
- iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) 0.10%
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.15%
Costs are the one area where this portfolio looks like it actually read a finance book. A total ongoing fee around 0.15% is downright efficient — you must have stumbled into low-cost ETFs on purpose or by a very lucky click. Low fees don’t guarantee good outcomes, but high fees absolutely eat returns over decades, like a slow subscription you forgot to cancel. The danger here isn’t visible cost, it’s hidden overconfidence: “My TER is low, therefore I’m a genius.” Keep the cheap core, avoid layering on expensive active products “for spice,” and regularly sanity-check any new addition so the fee creep doesn’t sneak up on you later.
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.
From a risk–return efficiency angle, this thing is a bit of a drama queen. The core equity–bond mix is solid, but Bitcoin and the small cap value slice drag the portfolio away from the classic efficient frontier — the curve where you get the best return for each unit of risk. Instead of cleanly trading risk for reward, this setup adds extra jumpiness for a maybe-but-not-guaranteed payoff. That’s fine if volatility is emotionally affordable, but dangerous if sleep quality matters. Clarify the goal: smoother ride with decent growth, or maximum long-term return with extra bruises. Then adjust bond weight and the spicy side bets so the risk level actually matches that goal.
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