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Globally diversified stock heavy portfolio with growth tilt and modest defensive anchors in bonds and gold

Report created on Jun 29, 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 mostly growth-focused, with 90% in stocks spread across the US, the rest of the world, emerging markets, and small caps. Around 5% sits in short term government bonds, 4% in gold, and 1% in bitcoin. So it’s primarily an equity engine with a small safety layer and a tiny speculative sleeve. This structure matters because stocks drive long term growth but also most of the ups and downs, while bonds and gold can soften shocks at times. Here, the “risk-on” side clearly dominates, so results are mainly tied to global equity markets rather than bond yields or commodity moves.

Growth Info

Over the observed period, €1,000 grew to about €1,435, giving a compound annual growth rate (CAGR) of 17.05%. CAGR is like the average speed of a car over a long trip, smoothing out bumps along the way. That’s slightly ahead of both the US market and the global market benchmarks. The worst peak to trough fall, or max drawdown, was -19.7%, which is smaller than both benchmarks, and it took about seven months to fall and fully recover. Only 15 days made up 90% of returns, showing that missing a handful of strong days could have changed the picture a lot.

Projection Info

The Monte Carlo projection looks 15 years ahead by simulating many possible futures based on past patterns. Think of it as rolling the dice 1,000 times using historical volatility and correlations to see a range of potential outcomes. Here, the median path turns €1,000 into about €2,646, with a central band between roughly €1,800 and €3,900. The annualized return across all simulations is 7.62%. This doesn’t predict what will happen; it just shows what could happen if markets behave broadly like they have in the past. The wide potential range, from about €1,046 to €6,833, highlights how uncertain long term equity outcomes can be.

Asset classes Info

  • Stocks
    90%
  • Bonds
    5%
  • Other
    4%
  • Crypto
    1%

The asset class split is clearly equity-dominated: 90% stocks, 5% bonds, 4% other (mainly gold), and 1% crypto. Compared with a classic “balanced” mix that might hold far more bonds, this is much closer to a growth-oriented structure. Stocks are the main engine for returns and also the main source of volatility. The 5% in short term government bonds is a conservative bond choice, helping reduce sensitivity to interest rate swings. Gold’s slice adds a different type of asset that can sometimes behave differently from both stocks and bonds. The small crypto piece introduces extra volatility but doesn’t drive the overall risk picture due to its small weight.

Sectors Info

  • Technology
    29%
  • Financials
    13%
  • Industrials
    10%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Crypto
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, technology stands out at 29%, followed by financials at 13% and industrials at 10%, with the rest spread across consumer areas, health care, materials, energy, utilities, real estate, and a small crypto sleeve. Compared with broad global benchmarks, this leans somewhat tech-heavy, which has been common given recent market leadership. A tech tilt often means higher sensitivity to interest rates and growth expectations, so swings can be sharper in rate hike cycles or when sentiment around innovation shifts. The presence of several other sizeable sectors, though, shows that this isn’t a single-theme portfolio; it still captures a broad slice of the global economy.

Regions Info

  • North America
    54%
  • Europe Developed
    13%
  • Asia Developed
    8%
  • Japan
    5%
  • Asia Emerging
    5%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 54% sits in North America, with 13% in developed Europe, 8% in developed Asia, 5% in Japan, and around 8% across emerging regions (Asia, Africa/Middle East, Latin America). This US tilt is broadly in line with many global equity indices, where US companies dominate by market value. That alignment is helpful because it means the portfolio is not making extreme regional bets away from common global standards. At the same time, meaningful slices in Europe, Japan, and emerging markets provide extra diversification across economies, currencies, and political systems. This mix spreads risk beyond a single country while still recognizing the size of the US market.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    27%
  • Mid-cap
    15%
  • Small-cap
    6%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By company size, there is a clear focus on larger firms: roughly 40% in mega caps, 27% in large caps, 15% in mid caps, 6% in small caps, and a small 1% in micro caps. Large and mega cap companies tend to be more established and liquid, which can make their prices somewhat more stable than tiny firms, though still volatile in equity terms. The dedicated world small cap ETF adds a distinct tilt toward smaller companies, which historically can bring higher volatility and, at times, stronger performance in certain market cycles. Overall, the structure leans toward big, global players while still keeping a visible slice of smaller, more dynamic businesses.

True holdings Info

  • NVIDIA Corporation
    3.61%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Apple Inc.
    3.16%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Microsoft Corporation
    2.33%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.93%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Amazon.com Inc
    1.92%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class A
    1.58%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Broadcom Inc
    1.49%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class C
    1.31%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Meta Platforms Inc.
    1.06%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Samsung Electronics Co Ltd
    1.03%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Top 10 total 19.43%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, the biggest underlying exposures are well known global names: Nvidia, Apple, Microsoft, TSMC, Amazon, Alphabet, Broadcom, Meta, and Samsung all appear. Some of these show up in more than one fund, especially US and global indices, which creates hidden concentration even if individual ETF weights look moderate. For instance, Nvidia and Apple each land above 3% of the total portfolio within the top-10 coverage alone. Because only ETF top-10 holdings are counted here, actual overlap is likely higher. This means a noticeable chunk of the portfolio’s behaviour is tied to a handful of large technology and platform companies.

Risk contribution Info

  • iShares Core S&P 500 UCITS ETF USD (Acc)
    Weight: 35.00%
    38.2%
  • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    Weight: 20.00%
    17.5%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 15.00%
    16.2%
  • iShares NASDAQ 100 UCITS ETF USD (Acc)
    Weight: 10.00%
    13.5%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    11.1%
  • Top 5 risk contribution 96.5%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is 35% of the portfolio but contributes about 38% of total risk, slightly more than its size. The emerging markets fund is 15% and adds 16.24% of risk. The Nasdaq 100 fund is 10% by weight yet accounts for 13.54% of risk, meaning each euro there swings more. Together, the top three positions generate nearly 72% of portfolio risk. This concentrated risk footprint is common when a few broad equity ETFs dominate, but it underscores how important those specific index exposures are to overall behaviour.

Redundant positions Info

  • iShares Core S&P 500 UCITS ETF USD (Acc)
    iShares NASDAQ 100 UCITS ETF USD (Acc)
    High correlation

The correlation data highlights that the S&P 500 ETF and the Nasdaq 100 ETF move almost identically. Correlation measures how two investments move together, from -1 (opposite) to +1 (in lockstep). Highly correlated assets don’t add much diversification during market stress because they tend to fall at the same time. In this case, the Nasdaq 100 is effectively a high growth subset of the broader US market, so overlap in drivers is expected. That tight relationship means these two positions amplify the same kind of US large cap growth risk rather than offsetting one another with different economic or style sensitivities.

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.

On the risk vs return chart, the current portfolio sits below the efficient frontier by about 6.23 percentage points at its risk level. The efficient frontier represents the best return achievable for each level of risk using only the existing holdings in different weights. The Sharpe ratio (return above the risk free rate per unit of volatility) is 0.96 for the current mix, while the optimal mix reaches 1.67 with slightly higher expected return and only modestly more risk. This suggests the ingredients are strong but the recipe isn’t fully optimized. In theory, reweighting the same funds could improve risk adjusted returns without adding new products.

Ongoing product costs Info

  • 21Shares Bitcoin Core ETP EUR 0.10%
  • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR 0.15%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • iShares Physical Gold ETC EUR 0.12%
  • iShares Core S&P 500 UCITS ETF USD (Acc) 0.07%
  • iShares NASDAQ 100 UCITS ETF USD (Acc) 0.33%
  • iShares Public Limited Company - iShares $ Treasury Bond 1-3yr UCITS ETF 0.10%
  • Weighted costs total (per year) 0.16%

The overall total expense ratio (TER) is around 0.16%, which is impressively low for a globally diversified, multi asset portfolio. TER is the ongoing annual fee charged by funds, taken directly from their assets, so lower costs leave more of any gross return in investors’ hands. Most core equity ETFs here charge between 0.07% and 0.35%, and the bond and gold exposures are also inexpensive. Even the crypto ETP’s fee is modest relative to many peers. Over long periods, this low cost base supports better compounding and aligns well with best practices for index style, broadly diversified portfolios.

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