Portfolio Health Check
Fictional sample report
Every portfolio amount, weight, cost and scenario below is fictional. These are sample inputs, not market observations or a recommendation.
01
Fictional portfolio: €20,000
Sample Global Equity A: 60%; Sample US Equity B: 40%. Both fictional funds hold Sample Company X at 8% and 10%. Its combined portfolio weight is 8.8% (60% × 8% + 40% × 10%). Counting two funds does not remove this shared exposure.
02
Fictional fee assumptions
Assumed TERs: 0.20% and 0.10%. Weighted TER: 0.16%, or €32 in the first year at a constant €20,000 balance. With zero gross return and no contributions, annual compounding leaves €19,369.64 after 20 years, a €630.36 fee difference. Excludes trading costs, spreads and tax.
03
Fictional stress and goal
Assume both positions lose 30% at once: €20,000 becomes €14,000. Against a €25,000 goal this leaves an €11,000 gap. This is a chosen shock, not a probability or forecast.
04
Instrument evidence
The fictional funds have no real ISIN or domicile. A real report must resolve exact share classes before inferring benchmark, domicile, currency or distribution policy. Example official reference: Vanguard S&P 500 UCITS ETF (USD) Accumulating, ISIN IE00BFMXXD54. Its data does not describe our fictional holdings.
05
UK account flag
For a UK resident, an ISA changes the treatment of investment income and gains. Account eligibility and foreign withholding need separate checks. No liability is calculated in this sample.
06
Evidence and versions
Sample model: fictional-health-check-v1. Inputs as of 2026-09-05; no live prices. Tax pack: unavailable, no tax arithmetic. Reference pages checked 2026-09-05. Missing: complete look-through holdings, current instrument costs and approved country rules.
07
House return assumption (not fictional)
When we compare funds that track the same index, we assume 5% nominal annual price growth for every equity index, before fees and tax. It is an assumption for the illustration, not a forecast. Every fund tracking an index gets the same figure, so none of them gains a return edge from it; it does set how much deferring tax is worth, which can change the order of two funds whose results are close. Dividend yield and US weight come from the index provider's factsheet, dated when read.