Concentrated equity portfolio blending broad market exposure with a strong value tilt and tech dominance

Report created on Jun 11, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is very straightforward: three equity ETFs make up 100% of the holdings. Around 60% sits in a broad US large‑cap index fund, while 40% is split between two value‑focused funds, one global and one targeting emerging markets. That means there is no allocation to bonds, cash, or alternatives, so all risk and return comes from stocks. A simple structure like this is easy to understand and monitor, and it keeps moving parts to a minimum. The main implication is that portfolio behaviour will be tightly linked to global equity markets, with an added layer of style influence from the value strategies embedded in two of the ETFs.

Growth Info

Over the period from late 2023 to mid‑2026, €1,000 in this portfolio grew to about €1,867, a compound annual growth rate (CAGR) of 27.06%. CAGR is like an average yearly “speed” over the full journey, smoothing out bumps. This outcome beat both the US market and global market benchmarks by roughly 5.5–6 percentage points per year, which is a sizable outperformance over a short window. The deepest drop, or max drawdown, was about −21%, slightly less severe than the US market. This combo of strong returns with comparable drawdowns looks attractive, but it is based on a relatively short and strong market phase, so it may not represent typical long‑term behaviour.

Projection Info

The Monte Carlo projection simulates many possible 15‑year paths by remixing patterns from historical data. Think of it as running a thousand alternate futures using today’s portfolio as the starting point. The median outcome turns €1,000 into about €2,720, with a wide “likely” middle band between roughly €1,830 and €4,219. There is also a meaningful chance of much higher or even flat outcomes, as shown by the p5–p95 range from about €992 to €7,829. The average simulated annual return is 8.2%. These numbers highlight uncertainty: they show what could happen under similar conditions to the past, not what will happen, especially since markets can change regime.

Asset classes Info

  • Stocks
    100%

All holdings are in equities, so the asset‑class mix is 100% stocks and 0% in stabilisers like bonds or cash. Asset classes tend to respond differently to economic shocks; for example, government bonds often cushion stock declines, while equities drive growth. With a pure‑equity mix, this portfolio is fully exposed to stock market ups and downs, which matches its “balanced” risk classification only because it remains diversified within equities. Compared with typical multi‑asset benchmarks that hold bonds, this structure naturally has higher potential volatility and drawdowns. The payoff is greater participation in equity rallies, but less buffering when markets fall sharply.

Sectors Info

  • Technology
    40%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Industrials
    8%
  • Health Care
    7%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is notably tilted toward technology at around 40%, with financials the next largest at 13%, and the rest spread across consumer, telecom, industrials, health care, and smaller allocations to energy, staples, materials, utilities, and real estate. Many broad global benchmarks have a high, but often smaller, tech weight, so this portfolio leans even more in that direction. Tech‑heavy portfolios can benefit strongly when innovation and growth narratives lead markets, but they may be more sensitive to changes in interest rates or regulation that particularly affect growth‑oriented companies. The diversified smaller allocations help, yet tech remains the dominant driver of sector behaviour.

Regions Info

  • North America
    70%
  • Asia Developed
    11%
  • Asia Emerging
    6%
  • Europe Developed
    5%
  • Japan
    4%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Europe Emerging
    1%

Geographically, about 70% of the portfolio is in North America, with the rest spread across developed Asia, emerging Asia, Europe (developed and emerging), Japan, Latin America, and Africa/Middle East. Many global benchmarks also have a US or North American tilt, but this portfolio is particularly focused there, reflecting the large S&P 500 position. The emerging markets value fund introduces some exposure to developing economies, which can behave differently from developed markets and add diversification. However, the heavy North American concentration means portfolio performance will be closely linked to that region’s economic conditions, currency trends, and policy environment, with other regions playing smaller supporting roles.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    36%
  • Mid-cap
    16%
  • Small-cap
    1%

By market capitalization, the portfolio leans strongly toward the largest companies: roughly 47% in mega‑caps, 36% in large‑caps, 16% in mid‑caps, and only 1% in small‑caps. Market cap is simply the total value of a company on the stock market, and bigger firms often have more diversified businesses, more stable earnings, and deeper trading liquidity. This profile is broadly in line with common global equity benchmarks, which are also dominated by large companies. The small slice in mid and small caps introduces some extra growth potential and risk, but the overall behaviour will largely mirror that of big, established firms rather than more volatile smaller names.

True holdings Info

  • NVIDIA Corporation
    4.69%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Apple Inc
    3.85%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Microsoft Corporation
    2.93%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Amazon.com Inc
    2.50%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.18%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Alphabet Inc Class A
    2.17%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Broadcom Inc
    1.91%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class C
    1.73%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Micron Technology Inc
    1.47%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • SK Hynix Inc
    1.43%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Top 10 total 24.87%

Looking through ETF top‑10 holdings, the biggest underlying exposures include NVIDIA, Apple, Microsoft, Amazon, TSMC, Alphabet, Broadcom, Micron, and SK Hynix. These are all held via funds, not directly, and together they form a meaningful chunk of the visible portfolio. Because the same large companies often appear in multiple indices, there is hidden overlap: for example, a stock like NVIDIA can show up in the S&P 500 ETF and in global or value‑tilted funds. That means effective exposure to these giants is higher than any single fund’s weight suggests. Overlap is likely underestimated here because only ETF top‑10 positions are captured.

Risk contribution Info

  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 60.00%
    61.2%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 20.00%
    20.8%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 20.00%
    18.0%

Risk contribution measures how much each holding adds to overall volatility, which can differ from its simple weight. Here, the S&P 500 ETF is 60% of assets and contributes about 61% of total risk, almost a one‑for‑one relationship. The emerging markets value ETF at 20% weight contributes a slightly higher 20.76% of risk, while the global value ETF’s 20% weight contributes about 18%. All three together account for virtually 100% of portfolio risk, as expected in such a concentrated line‑up. The modestly higher risk/weight score for emerging markets suggests that, per euro invested, it introduces a bit more volatility than the other two ETFs.

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.

Click on the colored dots to explore allocations.

The risk–return chart compares this portfolio with two theoretical mixes using only the same holdings. The current Sharpe ratio is 1.52, where Sharpe measures risk‑adjusted return (excess return per unit of volatility). The “optimal” mix on the efficient frontier has a Sharpe of 2.02 and slightly higher risk, while the minimum‑variance mix has a Sharpe of 1.82 with similar risk to now. The efficient frontier line shows the best return available for each risk level using these three funds. Since the current portfolio sits about 3 percentage points below that line, the data suggests that simply reweighting between the existing ETFs could improve the trade‑off between risk and return.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • Weighted costs total (per year) 0.14%

The total ongoing costs, measured by Total Expense Ratio (TER), average about 0.14% per year across the portfolio. TER is the annual fee charged by the funds, expressed as a percentage of assets. This figure is low, especially given that two holdings are specialised factor ETFs with higher individual TERs of 0.30% and 0.40%. Low costs help because fees compound in the opposite direction of returns: paying less each year leaves more of the portfolio’s growth in place. This cost level is well‑aligned with best practices for passive and factor‑based investing and provides a solid structural foundation for long‑term compounding.

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