This portfolio has only about 1.3 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Tech tilted global blend with concentrated risk but broadly diversified regions and very low costs overall

Report created on Jun 23, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is made up of five building blocks, with 90% in global stocks and 10% in gold. The core is a broad world equity ETF at 40%, paired with a sizeable 30% tilt to a Nasdaq-100 fund. Smaller 10% slices go to European dividends, global small-cap value, and physical gold. Structurally, that means a mix of broad market exposure plus a focused growth sleeve and a couple of diversifiers. Because the weights are assumed buy-and-hold without rebalancing, any strong run in one part could gradually change this mix over time. With only about 1.3 years of data, it’s hard to say how stable this structure would look across a full market cycle.

Growth Info

Over the short 1.3-year period, €1,000 grew to about €1,322, giving a compound annual growth rate (CAGR) of 24.59%. CAGR is like average speed on a road trip: it smooths ups and downs into one yearly number. Over this window the portfolio slightly beat both the US market and global market benchmarks, while having a max drawdown of -14.10%, a bit milder than those references. Max drawdown shows the worst peak‑to‑trough fall, which matters for how painful a downturn can feel. However, this is a very short and strong market period; such high returns and relatively modest drawdowns should not be assumed to persist over many years.

Projection Info

The forward projection uses a Monte Carlo simulation, which basically means the system takes the limited history, scrambles and replays it 1,000 different ways, and sees where things land after 15 years. The median outcome turns €1,000 into about €2,663, with a wide “likely” range between roughly €1,828 and €3,858. Monte Carlo helps illustrate uncertainty, not predict a single future path. With only about 1.3 years of data, the inputs are thin, so the 7.69% average simulated return and the 85.5% chance of ending positive should be read as rough illustrations rather than dependable long‑term expectations.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

By asset class, about 90% of the portfolio is in equities and 10% in “other,” represented here by physical gold. Equities are the growth engine: they tend to drive long‑term returns but also most of the volatility. Gold sits in a different bucket and often behaves differently from stocks, so even a 10% allocation can change the overall ride when markets are stressed. Compared with many broad global benchmarks, this is an equity-heavy mix with only a small non‑equity cushion. Because the assessment period is short and calm by historical standards, the historical behaviour of this 90/10 split may understate what could happen in sharper market downturns.

Sectors Info

  • Technology
    31%
  • Financials
    13%
  • Telecommunications
    9%
  • Consumer Discretionary
    9%
  • Industrials
    7%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, the portfolio is clearly tilted toward technology, at around 31% of equity exposure. That’s noticeably higher than a classic broad global index, which spreads more evenly across sectors. Financials, telecom, consumer discretionary, and industrials each make up single‑digit to low‑teens slices, while areas like utilities and real estate are only tiny allocations. Sector weights matter because different parts of the economy respond differently to interest rates, economic growth, and regulation. A tech‑heavy allocation can benefit strongly in innovation‑driven bull markets but may be more sensitive when growth stocks fall out of favour. With only 1.3 years of history, the recent outperformance of tech may be colouring the risk–return picture more than a full cycle would.

Regions Info

  • North America
    63%
  • Europe Developed
    16%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 63% of equity exposure sits in North America, with 16% in developed Europe and smaller single‑digit slices across Japan, other developed Asia, emerging Asia, Latin America, Africa/Middle East, and Australasia. This lines up fairly well with global stock market weights, which are also heavily tilted to North America but not quite as concentrated. Geographic spread matters because economies, currencies, and political systems don’t move in lockstep. This allocation is well-balanced and aligns closely with global standards, which is generally helpful for diversification. Still, the short data window may not fully capture how this regional mix behaves in more severe or region‑specific crises.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans heavily into larger companies: 38% mega‑cap and 27% large‑cap, with mid‑caps at 16% and only modest exposure to small (5%) and micro (3%) caps. Big companies often have more stable earnings and easier access to financing, which can mean smoother performance relative to tiny firms, though not always higher returns. The dedicated global small‑cap value ETF does introduce a distinct chunk of smaller, value‑oriented stocks, but the overall tilt still favours large players. Market‑cap balance influences how sensitive the portfolio is to shifts in sentiment toward big brand‑name stocks versus more niche, less‑researched companies; this sensitivity is hard to judge confidently with only 1.3 years of evidence.

True holdings Info

  • NVIDIA Corporation
    4.37%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Inc EUR
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Apple Inc
    3.93%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Inc EUR
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Microsoft Corporation
    2.88%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Inc EUR
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Amazon.com Inc
    2.40%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Inc EUR
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Alphabet Inc Class A
    1.92%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Inc EUR
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Broadcom Inc
    1.82%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Inc EUR
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Alphabet Inc Class C
    1.72%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Inc EUR
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Tesla Inc
    1.61%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Inc EUR
    • LS 1x Tesla Tracker ETP Securities GBP
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Micron Technology Inc
    1.44%
    Part of fund(s):
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Advanced Micro Devices Inc
    1.11%
    Part of fund(s):
    • UBS Nasdaq-100 UCITS ETF USD dis
  • Top 10 total 23.20%

This breakdown covers the equity portion of your portfolio only.

Looking through to the top holdings of the ETFs, there’s noticeable concentration in a handful of big US tech and growth names. NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Tesla, Micron, and AMD together make up a meaningful share of the equity exposure captured by the look‑through data. Some of these appear via multiple ETFs, which creates overlap and hidden concentration even though each fund looks diversified on its own. Because only ETF top‑10 holdings are used, this overlap is probably understated. This pattern helps explain the strong recent performance: the portfolio is indirectly tied to a small group of high‑flying companies, whose behaviour may not generalize well over longer, more varied markets.

Risk contribution Info

  • UBS Nasdaq-100 UCITS ETF USD dis
    Weight: 30.00%
    48.5%
  • Amundi Prime All Country World UCITS ETF Inc EUR
    Weight: 40.00%
    35.0%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 10.00%
    8.8%
  • WisdomTree Core Physical Gold USD ETC EUR
    Weight: 10.00%
    4.0%
  • Franklin European Quality Dividend UCITS ETF
    Weight: 10.00%
    3.7%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from its weight. Here, the Nasdaq‑100 ETF is 30% of the portfolio but contributes about 48.5% of total risk, meaning it dominates the volatility. The broad world ETF at 40% weight contributes around 35% of risk, while the three 10% positions together add less than 17%. Gold and the European dividend fund each contribute noticeably less risk than their weights, acting more like stabilizers. The top three holdings account for over 92% of total portfolio risk, so even though the number of funds is small, most of the “action” really comes from the growth‑heavy pieces.

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.

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The risk vs. return chart shows the current portfolio sitting below the efficient frontier. The efficient frontier represents the best return you could historically have achieved for each level of risk using just these five holdings in different weights. The current Sharpe ratio of 1.37, which measures return per unit of risk above a risk‑free rate, trails both the optimal portfolio (1.87) and the minimum variance option (1.78). That means, over this short period, a different mix of the same funds would have delivered better risk‑adjusted results. Because the inputs rely on a strong 1.3‑year stretch, this “inefficiency” might look quite different if calculated over a full market cycle.

Ongoing product costs Info

  • Franklin European Quality Dividend UCITS ETF 0.25%
  • Weighted costs total (per year) 0.02%

On the cost side, the data shows a very low total TER of about 0.02% for the overall portfolio, with the European dividend ETF charging 0.25% individually. TER, or Total Expense Ratio, is the annual fee charged by a fund, taken quietly inside the product rather than as a separate bill. These costs are impressively low, supporting better long‑term performance because less return is eaten up by fees each year. Even small differences in TER compound over time, like a slow leak in a bucket. The current fee level is well-aligned with best practices for index‑oriented and rules‑based ETFs, and stands out as a clear structural strength of this portfolio.

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