A balanced and broadly diversified portfolio with a focus on technology and strategic metals

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 portfolio suits an investor seeking balanced growth with moderate to high risk tolerance and a long-term investment horizon. It's designed for individuals who are comfortable with market fluctuations and are focused on capital appreciation. The emphasis on technology and strategic metals indicates a preference for sectors with high growth potential. This investor likely values global diversification and is open to exploring niche markets, understanding that higher rewards often come with increased risk.

Positions

  • Multi Units Luxembourg - Amundi STOXX Europe 600 Insurance UCITS ETF Acc
    LIRU - FR0010344903
    21.00%
  • iShares NASDAQ 100 UCITS ETF
    NQSE - IE00BYVQ9F29
    16.00%
  • VanEck Rare Earth and Strategic Metals UCITS ETF A USD Acc
    VVMX - IE0002PG6CA6
    16.00%
  • WisdomTree Physical Precious Metals EUR
    VZLE - DE000A0N62H8
    16.00%
  • WisdomTree Blockchain UCITS ETF - USD Acc EUR
    WBKN - IE000940RNE6
    11.00%
  • SPDR® MSCI ACWI EUR Hdg UCITS ETF (Acc)
    SPP1 - IE00BF1B7389
    10.00%
  • Vanguard FTSE Developed Europe UCITS ETF EUR Accumulation
    VWCG - IE00BK5BQX27
    10.00%

Your portfolio showcases a strategic mix of ETFs, focusing significantly on sectors like financial services, technology, and basic materials, including strategic metals and precious metals. This composition indicates a preference for industries that can offer growth and hedge against inflation. However, such a concentration also exposes the portfolio to sector-specific risks, which could be mitigated by diversifying across a wider range of sectors. The inclusion of ETFs that track broad market indices and specific sectors allows for a blend of stability and targeted growth.

Growth Info

Historically, your portfolio has achieved a Compound Annual Growth Rate (CAGR) of 14.14%, with a maximum drawdown of -16.86%. These figures suggest that the portfolio has managed to navigate market fluctuations effectively, securing robust growth over time. However, it's important to remember that past performance is not always indicative of future results. The relatively high CAGR, compared to average market returns, underscores the impact of your sector-focused strategy but also highlights the importance of monitoring for potential volatility.

Projection Info

Using a Monte Carlo simulation, which projects future performance based on historical data, your portfolio shows a wide range of outcomes. The median projection suggests a significant potential for growth, but the presence of simulations with negative returns underscores the risk involved. While these simulations can offer valuable insights, they are inherently uncertain and should be viewed as one of many tools in making informed investment decisions.

Asset classes Info

  • Stocks
    83%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

Your portfolio's asset allocation leans heavily towards stocks (83%), with a minimal cash reserve (1%). This allocation is indicative of a growth-oriented strategy with a higher risk tolerance. While the stock focus aligns with the goal of capital appreciation, incorporating a more diverse range of asset classes, such as bonds or real estate, could enhance risk-adjusted returns by providing stability during market downturns.

Sectors Info

  • Financials
    33%
  • Basic Materials
    17%
  • Technology
    15%
  • Consumer Discretionary
    4%
  • Telecommunications
    4%
  • Industrials
    4%
  • Health Care
    3%
  • Consumer Staples
    2%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    0%

The sectoral allocation within your portfolio demonstrates a strong emphasis on financial services, technology, and basic materials. This concentration in sectors that can exhibit higher volatility suggests a pursuit of growth but at the expense of increased risk. Diversifying into more defensive sectors like healthcare or consumer staples could offer a buffer against market swings, potentially smoothing out returns over time.

Regions Info

  • North America
    35%
  • Europe Developed
    34%
  • Asia Emerging
    6%
  • Australasia
    4%
  • Latin America
    2%
  • Japan
    1%
  • Asia Developed
    1%
  • Europe Emerging
    0%
  • Africa/Middle East
    0%

Geographically, your portfolio is well-diversified, with significant exposure to both North America and developed European markets, complemented by smaller positions in emerging markets and other regions. This global spread helps mitigate the risk of regional downturns but still leans heavily on developed markets. Expanding into emerging markets or specific countries with growth potential could further diversify and possibly enhance returns.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    25%
  • Mid-cap
    13%
  • Small-cap
    8%
  • Micro-cap
    3%

The market capitalization breakdown reveals a balanced approach, with a mix of mega, big, and medium-sized companies. This diversification helps manage risk, as larger companies typically offer stability, while smaller companies provide growth opportunities. However, the relatively lower allocation to small and micro-cap stocks suggests a cautious approach to risk. Incrementally increasing exposure to smaller cap stocks could introduce higher growth potential, albeit with added volatility.

Ongoing product costs Info

  • Multi Units Luxembourg - Amundi STOXX Europe 600 Insurance UCITS ETF Acc 0.30%
  • iShares NASDAQ 100 UCITS ETF 0.36%
  • SPDR® MSCI ACWI EUR Hdg UCITS ETF (Acc) 0.45%
  • VanEck Rare Earth and Strategic Metals UCITS ETF A USD Acc 0.59%
  • Vanguard FTSE Developed Europe UCITS ETF EUR Accumulation 0.10%
  • Weighted costs total (per year) 0.27%

The overall Total Expense Ratio (TER) of 0.27% is commendably low, which is beneficial for long-term growth by minimizing the drag on returns. Keeping costs low is crucial for maximizing investment efficiency, and your portfolio exemplifies this principle well. Continual monitoring of TER across all holdings will ensure that costs remain aligned with industry benchmarks.

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.

Considering the Efficient Frontier, your portfolio appears to be positioned for a favorable risk-return trade-off based on current asset allocation. However, there's always room for optimization, especially if market conditions change or new investment opportunities arise. Regularly reviewing and adjusting the allocation can help maintain an optimal balance between risk and return, ensuring that the portfolio continues to meet your investment objectives efficiently.

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