Globally diversified stock heavy portfolio with strong growth tilt and room for efficiency improvements

Report created on Apr 11, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is mostly growth‑oriented, with about 90% in global equities spread across broad world, emerging markets, small caps, and a focused NASDAQ 100 slice. Around 5% sits in physical gold and 5% in Bitcoin, adding a small alternative component. This structure leans clearly toward long‑term capital growth rather than capital preservation or income. Having several equity ETFs with different mandates helps spread risk across many companies and themes while keeping the lineup simple. Overall, this is a straightforward, equity‑dominated mix with a couple of diversifiers on the side, well aligned with a balanced‑to‑growth risk profile rather than a conservative or income‑first approach.

Growth Info

From mid‑2021 to early 2026, €1,000 grew to about €1,642, giving a compound annual growth rate (CAGR) of 10.93%. CAGR is like the average yearly “speed” of growth over the trip, smoothing out bumps. This slightly lagged the US market reference but beat the global market benchmark, which is a positive sign for a diversified, non‑US‑only approach. The max drawdown of roughly ‑20% was painful but actually milder than the US market’s downturn, showing some resilience. The recovery took about 18 months, which is typical for an equity‑heavy mix. Past performance is no guarantee of future returns, but this track record is solid for the risk taken.

Projection Info

The Monte Carlo simulation projects many possible 15‑year paths by remixing past returns and volatility in thousands of random scenarios. It’s a bit like running weather simulations to see a range of likely forecasts, not a single prediction. The median outcome grows €1,000 to about €2,737, with a wide but reasonable range between roughly €1,019 and €7,594. The average simulated annual return is 8.1%, and about three‑quarters of paths end with a positive result. These numbers are helpful for setting expectations but not promises: they rely on historical patterns that may not repeat, especially for riskier pieces like Bitcoin.

Asset classes Info

  • Stocks
    90%
  • Other
    5%
  • Crypto
    5%

Asset‑class wise, this is very equity‑centric: 90% in stocks, 5% in gold, and 5% in crypto. That mix lines up with a balanced‑to‑growth mindset where short‑term swings are acceptable in exchange for higher long‑term growth potential. The small gold allocation adds a traditional defensive layer that can sometimes cushion equity sell‑offs, while the Bitcoin position adds a highly speculative, high‑volatility component. Compared with a classic balanced portfolio that might hold 30–40% in bonds, this structure will move more with global equity markets. It’s well‑diversified within stocks, but not aimed at minimizing volatility or preserving capital over short periods.

Sectors Info

  • Technology
    25%
  • Financials
    13%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is led by technology at about 25%, with financials, industrials, and consumer‑related sectors forming the next layer. Health care, staples, materials, energy, utilities, real estate, and telecoms round out the mix. Compared with broad global benchmarks, this looks slightly tilted toward growth‑oriented areas like tech and consumer discretionary, helped further by the NASDAQ 100 slice. That tilt can drive strong returns during periods of innovation and low interest rates but can mean sharper pullbacks when growth stocks fall out of favour or rates rise. The good news is that non‑tech sectors still play a meaningful role, supporting diversification.

Regions Info

  • North America
    61%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, roughly 61% is in North America, with notable slices in developed Europe, Japan, and other Asia, plus smaller exposures in emerging regions. This is broadly in line with global equity market weights, which are heavily US‑led but still include the rest of the world. Such a spread reduces dependence on any single economy while still benefiting from the depth and liquidity of US markets. For a euro‑based investor, this also introduces currency risk, especially US dollar exposure, which can either help or hurt returns depending on FX moves. Overall, though, this geographic footprint is well‑balanced and close to global standards.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    28%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio leans strongly into mega‑ and large‑cap companies, which together make up about two‑thirds of the equity exposure. These firms tend to be more established and liquid, often providing greater stability and tighter trading spreads. There’s still meaningful space for mid‑ and small‑caps, enhanced by the dedicated small‑cap ETF, which adds extra growth potential and diversification. Smaller companies can be more volatile and sensitive to economic cycles but also offer higher long‑term upside in some periods. This mix gives a solid large‑cap core with a measured satellite allocation to smaller names, which is a sensible way to add dynamism without overdoing risk.

True holdings Info

  • NVIDIA Corporation
    3.87%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Apple Inc
    3.49%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Microsoft Corporation
    2.52%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Amazon.com Inc
    1.86%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class A
    1.63%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class C
    1.39%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Meta Platforms Inc.
    1.36%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Broadcom Inc
    1.31%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Tesla Inc
    1.19%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.16%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Top 10 total 19.78%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs’ top holdings, a meaningful chunk of exposure sits in the big global tech and platform names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla, and TSMC. These appear across several ETFs, so the same companies show up more than once, creating hidden concentration even if each ETF looks diversified on its own. Because only top‑10 ETF positions are captured, the true overlap is likely higher. This kind of overlap tends to boost sensitivity to mega‑cap growth stocks. The upside is strong participation when those leaders do well; the downside is that portfolio behaviour is more tied to a relatively small group of global giants.

Risk contribution Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Weight: 60.00%
    59.5%
  • iShares NASDAQ 100 UCITS ETF USD (Acc)
    Weight: 10.00%
    13.0%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    10.8%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 10.00%
    8.6%
  • Bitcoin
    Weight: 5.00%
    7.5%
  • Top 5 risk contribution 99.4%

Risk contribution shows how much each piece drives the portfolio’s overall ups and downs, which can differ from simple weights. The core world ETF is 60% of the allocation and contributes about 59.5% of risk, so it behaves as expected. The NASDAQ ETF and Bitcoin stand out: at 10% and 5% weights they drive around 13% and 7.5% of total risk, respectively, meaning they punch above their weight. The top three positions plus Bitcoin explain most of the volatility. If the goal is smoother behaviour, adjusting position sizes or rebalancing intervals can help bring risk contributions more in line with the intended risk profile.

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 portfolio sitting well below the efficient frontier, which is the curve of best possible returns for each risk level using the existing holdings. The Sharpe ratio, a measure of return per unit of risk above the risk‑free rate, is 0.57 for the current mix, while both the minimum variance and max‑Sharpe portfolios are above 1.3. That gap means the same ingredients could be combined more effectively. Simply reweighting between the current ETFs and Bitcoin—without adding new products—could raise expected return, lower risk, or both. The structure is strong; it just isn’t using its full potential according to historical data.

Ongoing product costs Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • iShares NASDAQ 100 UCITS ETF USD (Acc) 0.36%
  • Weighted costs total (per year) 0.21%

Overall costs are impressively low, with a blended total expense ratio (TER) of around 0.21%. TER is the annual percentage fee charged by funds to cover management and operations; lower TERs leave more of the return in the investor’s pocket. For a globally diversified, multi‑ETF line‑up, being this close to 0.20% is excellent and well below many actively managed alternatives. Over 10–20 years, shaving even a few tenths of a percent off fees can translate into thousands of euros of extra value. This cost structure is a real strength and supports better long‑term performance without needing to change anything.

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