AI-powered portfolio diagnostics for retail investors. Instant, personalised, MiFID II compliant.
| Holding | Weight | Value | 1Y Return | Sector | Market Cap | P/E | Div. Yield |
|---|
Benchmark data sourced from Yahoo Finance. Portfolio return estimated from weighted 1-year returns of holdings. Past performance does not guarantee future results. Not financial advice.
Every stock you hold generates an implicit currency exposure — not just to the currency it trades in, but to the currency in which the company earns its revenues. This matters because:
Monte Carlo simulation runs 1,000 random scenarios for your portfolio using historical return and volatility estimates (7% avg. annual return, 18% annual volatility — approximate global equity parameters).
Each faint line on the chart is one possible future. The bright centre line is the median outcome — what happens in exactly half the scenarios.
Uses historical volatility estimates. Not a prediction. Not financial advice.
A share of a company. When the company grows, your share value grows. You may also receive dividends — a portion of profits paid to shareholders. Higher potential return, higher risk.
A loan you give to a government or company. They pay you back with interest. Lower risk than stocks but lower return. Good for stability.
A basket of many stocks in one product. Buying VWRL gives you exposure to 3,000+ companies in one click. Instant diversification, low cost. Recommended for beginners.
Key insight: the S&P 500 has never permanently gone to zero. Every crash in history has been followed by a recovery. Time in the market beats timing the market.
You invest: €48,000. Your portfolio grows to: ~€104,000. The extra €56,000 comes from compound interest — your returns earning returns.
Starting with €50/month at age 22 beats starting with €200/month at age 32. Time is your most valuable asset as an investor.
Large, mature companies growing ~2–4%/yr. Think utilities or old industrials. Stable but limited upside. Often pay dividends.
Large, steady companies growing ~10–12%/yr. Think Coca-Cola, P&G, Nestlé. Reliable but not exciting.
Small, aggressive companies growing 20–25%/yr. High risk, high reward. Think early Amazon or ASML.
Rise and fall with the economy. Airlines, steel, automotive. Buy low in recession, sell high in boom.
Near-bankrupt or struggling companies recovering. High risk, massive upside if successful.
Companies with hidden value in assets (real estate, patents, cash) not reflected in stock price.