Globally diversified growth portfolio with a strong technology tilt and efficient risk return balance
Report created on Aug 9, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VW Vanguard FTSE All-World UCITS ETF USD Accumulation
VWRA - IE00BK5BQT80 80.00% -
CN iShares NASDAQ 100 UCITS ETF USD (Acc)
CNDX - IE00B53SZB19 20.00%
The portfolio is very simple: two global equity ETFs, with 80% in a broad world fund and 20% in a focused growth index. This creates a “core and satellite” structure, where the core tracks the global stock market and the smaller satellite leans into faster‑growing companies. Simplicity like this can make it easier to understand what’s driving performance and risk over time. The mix results in a portfolio that broadly follows global markets but with a noticeable tilt toward large growth names. That structure helps explain why results can sometimes feel more energetic than a plain global tracker while still keeping a clear, diversified backbone.
Growth
From mid‑2019 to August 2026, £1,000 grew to about £2,709, a compound annual growth rate (CAGR) of 15.2%. CAGR is like your average speed over a road trip, smoothing out all the bumps. This beat both the US market (14.36%) and the global market (12.05%) over the period. The trade‑off was a deeper max drawdown of around ‑32.6% during early 2020, compared with roughly ‑25% for the benchmarks. Only 30 days delivered 90% of total returns, showing that missing a few strong days could have made a big difference. Past performance, though, doesn’t guarantee similar results ahead.
Projection
The Monte Carlo projection models 1,000 different futures by shuffling and resampling past return patterns. It’s a bit like running many alternate timelines based on what markets have historically done. After 15 years, £1,000 has a median simulated value of about £2,722, with a central “likely” range from around £1,805 to £4,304. There’s a 75.5% chance of ending above the starting amount, and the average annualised return across simulations is 8.11%. These ranges highlight that outcomes can vary a lot even with the same underlying strategy. Importantly, this type of simulation is still based on history, so it can’t foresee structural changes or rare shocks that haven’t appeared in the data.
Asset classes
- Stocks 100%
The entire portfolio is in stocks, with no bonds, cash, or alternatives in the mix. That all‑equity stance lines up with a growth‑oriented risk profile and helps explain the 5/7 risk score. Equities historically offer higher potential returns than bonds or cash, but their prices can swing more sharply, especially over shorter periods. With nothing here to cushion equity ups and downs, the portfolio will tend to move broadly in line with global stock markets, just with an extra boost from its growth tilt. This makes the return potential clear, but it also means that any reduction in volatility would have to come from within the equity allocation itself, not from other asset classes.
Sectors
- Technology 33%
- Financials 13%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 10%
- Health Care 7%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is clearly tilted toward technology at 33%, with the rest spread across financials, telecoms, consumer areas, industrials, health care, and smaller slices in more defensive sectors like utilities and staples. Compared with a broad global index, that technology weight is noticeably higher, boosting growth potential but also tying more of the portfolio’s fate to one broad theme. When rates are low and innovation is being rewarded, this can be helpful; during periods of rising rates or regulatory pressure, the portfolio may feel more volatile. The balanced exposure across the remaining sectors, though, means it still participates in a wide range of parts of the global economy.
Regions
- North America 71%
- Europe Developed 12%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 71% sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging markets. This North America emphasis is stronger than in many global indices, which already lean heavily in that direction. It reflects how large US‑listed companies dominate global stock markets, especially in sectors linked to technology and communications. The upside is alignment with a region that has led returns for much of the past decade. The flip side is that portfolio outcomes are tightly linked to one economic bloc and currency. The remaining allocations still give some exposure to other regions’ growth and policy environments, adding a degree of global balance.
Market capitalization
- Mega-cap 49%
- Large-cap 35%
- Mid-cap 16%
Almost half the portfolio is in mega‑cap companies, a further 35% in large caps, and only 16% in mid caps. This is more top‑heavy than a perfectly equal‑weighted mix, but quite typical for cap‑weighted global exposure, especially with a growth overlay. Larger companies often bring more established businesses, global footprints, and deeper trading liquidity, which can make pricing more stable than in smaller names. At the same time, because the biggest firms dominate, portfolio behaviour will be closely tied to how those giants perform. The relatively small mid‑cap slice limits exposure to more domestically focused or earlier‑stage firms that can behave differently from the global mega‑cap universe.
True holdings
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NV NVIDIA Corporation 5.46%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
AA Apple Inc 4.60%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
MS Microsoft Corporation 3.49%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
AM Amazon.com Inc 3.00%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
GO Alphabet Inc Class A 2.50%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
AV Broadcom Inc 2.19%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
GO Alphabet Inc Class C 2.11%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
ME Meta Platforms Inc. 1.79%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
TS Tesla Inc 1.53%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares NASDAQ 100 UCITS ETF USD (Acc)
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.31%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Top 10 total 27.99%
Looking through to the top underlying holdings, the same big names recur across both ETFs: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and TSMC all appear. This illustrates “overlap,” where one company shows up in multiple funds and therefore has more influence than it might seem from any single ETF alone. For example, NVIDIA alone accounts for roughly 5.5% of the total portfolio using just top‑10 data. Because only ETF top‑10s are included, overlap is likely understated; other repeated names further down the holdings lists won’t show here. Still, the picture is clear: a relatively small group of large technology‑linked companies has significant weight and can strongly sway returns.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
The factor profile shows a very low size exposure and very low yield, combined with high momentum and high low‑volatility tilts. Factors are like underlying “personality traits” of stocks — characteristics such as being smaller, cheaper, or trending. Very low size means a strong tilt toward larger companies rather than smaller ones, while very low yield points to a focus on firms that reinvest profits instead of paying high dividends. High momentum suggests the portfolio leans into stocks that have recently done well, which can help in strong uptrends but can bite during sharp reversals. High low‑volatility exposure may soften some swings, especially compared with more speculative high‑beta strategies.
Risk contribution
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Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 80.00% 76.8% -
iShares NASDAQ 100 UCITS ETF USD (Acc)
Weight: 20.00% 23.2%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the broad global ETF is 80% of the portfolio and contributes about 76.8% of the risk, very close to its size. The NASDAQ 100 ETF is 20% of the weight but 23.2% of the risk, so each pound invested there adds more volatility than a pound in the global fund. The risk/weight ratio of 1.16 highlights that extra punch. This pattern is common when pairing a diversified core with a more concentrated growth‑oriented satellite: the smaller growth chunk can still move the risk needle more than its size alone might suggest.
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 shows the current mix sitting on or very near the efficient frontier. The efficient frontier represents the best possible trade‑offs between risk (volatility) and expected return using just the existing holdings in different weights. The current portfolio’s Sharpe ratio of 0.66 is lower than the optimal portfolio’s 0.93 but close to the minimum‑variance portfolio’s 0.76. Sharpe ratio compares extra return to extra risk, using the risk‑free rate as a baseline. Being near the frontier is a positive sign: it means the chosen weights are making good use of the two ETFs and that, for this pair of holdings, the risk level is broadly pulling its weight.
Ongoing product costs
- iShares NASDAQ 100 UCITS ETF USD (Acc) 0.36%
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.22%
Overall costs are low, with a combined ongoing fee (TER) of about 0.22%. The global ETF charges 0.19%, while the NASDAQ 100 ETF is a bit higher at 0.36%. TER is the annual fee taken by the fund manager, similar to a small haircut from returns each year. Over long horizons, even modest fee differences can compound noticeably, so keeping costs in this range is generally considered efficient. Relative to many actively managed funds, these charges are quite competitive and support better long‑term performance by leaving more of the market return in investors’ hands. This cost profile is a clear structural strength of the portfolio.
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