One fund to rule them all and hope global capitalism never catches a cold
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 setup fits someone who says “balanced” to sound sensible but secretly enjoys watching markets swing. It points to a long time horizon decent risk tolerance and a belief that global capitalism will mostly keep grinding upward. Goals are likely growth first everything else later with retirement or long‑term wealth building in mind rather than short‑term spending. Emotional tolerance has to be medium‑high because a one‑asset‑class portfolio will test nerves in every bear market. It suits someone who values simplicity over tinkering trusts broad diversification within stocks and can ignore financial news without panicking at every 20–30% drop.
Positions
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iShares MSCI ACWI UCITS ETF USD (Acc) EUR
IUSQ - IE00B6R52259 100.00%
This setup is the investing equivalent of wearing the same black T‑shirt every day: simple consistent and a little lazy. One single global ETF at 100% is clean but also means zero nuance and no room to fine‑tune risk. Relative to a “balanced” profile this leans way more like an equity junkie cosplaying as moderate. In plain terms everything rises and falls with global stocks. That’s efficient but brittle. Adding even a small slice of stabilizers like high‑quality bonds or defensive assets could smooth the ride and make the “Balanced” label less of a running joke when markets actually tank.
Growth
Historically this thing has behaved like a well‑behaved roller coaster. A 12.77% CAGR (Compound Annual Growth Rate — your average speed over the whole trip) is spicy and above what many global stock benchmarks have done over longer stretches. But a max drawdown of –33.6% means that at one point a €10,000 start would have stared at roughly €6,600 and quietly cried. Forty‑one days making up 90% of returns screams “don’t try to time this.” Past data is useful but it’s yesterday’s weather; expect similar drama but don’t bet your life on the same sunshine.
Projection
The Monte Carlo results basically say “you’ll probably make money but don’t expect a straight line.” Monte Carlo is just running thousands of “what if” futures using shuffled versions of past returns — like simulating a thousand alternate timelines of your portfolio. A median outcome of around 440% and only 2 losing scenarios out of 1,000 looks amazing but also smells of very optimistic assumptions baked in. Remember simulations recycle history with some statistical glitter; they don’t know about the next crisis or weird regulation. It makes sense to treat those pretty numbers as a confidence range not a promise from the future.
Asset classes
- Stocks 100%
- Cash 0%
- Other 0%
- No data 0%
Asset class “diversification” here is like eating a very varied diet of only pizza. Yes it’s global pizza but still just pizza. You’re 100% in stocks zero in bonds cash or anything that behaves differently when markets panic. For a supposedly “balanced” setup that’s more like a full‑equity growth stance wearing a fake mustache. In good times this is great for returns and for your ego. In bad times everything gets hit at once and there’s nowhere to hide or rebalance from. Even carving out a modest slice for lower‑volatility stuff could reduce the emotional damage without killing long‑term growth.
Sectors
- Technology 27%
- Financials 17%
- Industrials 11%
- Consumer Discretionary 10%
- Telecommunications 9%
- Health Care 9%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Utilities 2%
- Real Estate 2%
Sector spread is broad but not exactly shy about its tech crush. Around 27% in Technology plus healthy chunks of Financials Industrials and Consumer Cyclicals means you’re tied to the global business cycle and innovation hype train. When growth stories are loved you look like a genius; when regulators or recessions show up that same tilt can drag hard. This is basically a world‑economy index with a tech‑lean baked in which is normal these days but still a risk cluster. Keeping an eye on how much of that tech exposure overlaps in similar business models can help avoid an accidental theme‑park portfolio.
Regions
- North America 66%
- Europe Developed 15%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 5%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
- Europe Emerging 0%
Geographically this is “America or bust” with a passport for show. Roughly two‑thirds in North America and scraps spread over Europe and the rest of the world means global capitalism in this portfolio mostly spells “US big business.” That’s standard for market‑cap‑weighted indexes but it’s still a bet that the US keeps leading the economic popularity contest. If that script flips — stronger growth elsewhere currency shifts political drama — you’re very exposed to one region’s mood swings. A slight tilt toward other regions or more balanced world exposure could reduce the “if the US sneezes everything catches flu” problem.
Market capitalization
- Mega-cap 49%
- Large-cap 35%
- Mid-cap 15%
- Small-cap 0%
The market cap mix is pure establishment: about half in mega caps a big chunk in large caps and a token nod to mid caps. This is a blue‑chip popularity contest not a scrappy underdog story. That keeps volatility more reasonable than an all‑small‑cap gamble but it also means performance is chained to the fate of huge incumbents. If mega caps underperform you feel it everywhere. Zero small caps isn’t a crime but it’s a missed growth and diversification angle. A small exposure to smaller companies could add some extra long‑term kick at the cost of bumpier short‑term swings.
Ongoing product costs
- iShares MSCI ACWI UCITS ETF USD (Acc) EUR 0.20%
- Weighted costs total (per year) 0.20%
Costs are the one area where this portfolio actually behaves like it has read a finance book. A total expense ratio around 0.20% is refreshingly low — you clearly didn’t fall for the “2% fee for vibes” sales pitch. Over decades even that small difference compounds like slow rust so keeping it lean is a big win. The roast here is that with such a minimalist setup there’s really no excuse to ever drift into high‑fee stuff. If this approach evolves the main goal should be keeping any extra layers just as cost‑sane instead of stacking products like an overpriced ETF lasagna.
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