This portfolio has only about 1.7 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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Global equity portfolio with broad diversification and moderate risk built from three low cost stock ETFs

Report created on Aug 30, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio is a simple three‑ETF global equity mix: roughly 80% in a broad world index fund, 10% in global small‑cap value, and 10% in emerging markets. Everything is in stocks, and the structure is buy‑and‑hold with no rebalancing assumed. The big core ETF does most of the heavy lifting, while the two smaller positions add more targeted exposure. This kind of “core plus satellites” layout is easy to understand and monitor. With only three moving parts, day‑to‑day behaviour is mainly driven by overall stock market conditions rather than individual bets. Because the track record is only about 1.7 years, any conclusions about how this setup behaves over full market cycles should be treated as tentative.

Growth Info

Over the short 1.7‑year window, €1,000 grew to about €1,248, implying a compound annual growth rate (CAGR) of 13.9%. CAGR is like average speed on a road trip: it smooths the journey into one yearly number. Over the same period, this beat both the US market and a global market benchmark, but that edge is based on a brief slice of history. The portfolio also lived through a fairly sharp ‑21% drawdown that took about seven months from peak to full recovery, showing it can move around meaningfully. With only 8 days accounting for 90% of returns, timing of a few strong sessions mattered a lot, which is common in equities but especially visible over short samples.

Projection Info

The Monte Carlo projection uses the limited historical data to simulate many possible 15‑year paths for the portfolio, then shows a range of outcomes. Monte Carlo is like running the same race 1,000 times with slightly different weather each time, based on past conditions. The median result here turns €1,000 into roughly €2,748, with a wide “likely” band and some paths ending near the starting value. These numbers help frame uncertainty rather than predict a specific outcome. Because they’re built from just 1.7 years of data, they may over‑ or understate future volatility and returns, especially if markets behave differently from this recent period.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with no bonds, cash substitutes, or alternative assets included. That means returns are tied directly to equity markets, without the smoothing effect that fixed income or other diversifiers can bring. A 100% stock allocation can support strong growth when markets are favourable, but it usually comes with larger swings in value year to year. Compared with more mixed portfolios that blend assets, this structure leans clearly toward growth‑oriented risk. Over a full cycle, such an approach often experiences deeper temporary losses along the way, even if long‑term returns can be attractive. With only 1.7 years of history, the full range of ups and downs may not have shown up yet.

Sectors Info

  • Technology
    29%
  • Financials
    18%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    7%
  • Telecommunications
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is fairly broad, with technology the largest slice at 29%, followed by financials at 18% and industrials and consumer‑focused areas making up much of the rest. This general pattern is similar to many global equity indices, where tech has grown to a big share of market value. A higher tech weight can mean more sensitivity to trends in innovation, interest rates, and regulation, which sometimes leads to faster moves both up and down. The presence of energy, materials, utilities, and real estate, even in smaller proportions, adds balance across economic cycles. Overall, the sector mix is well‑spread and aligns reasonably closely with diversified global benchmarks, which is a healthy foundation.

Regions Info

  • North America
    59%
  • Europe Developed
    13%
  • Asia Developed
    10%
  • Asia Emerging
    7%
  • Japan
    6%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Latin America
    2%

Geographically, the portfolio is tilted toward North America at 59%, with the rest spread across developed Europe, Japan, developed Asia, and a meaningful slice in emerging regions. This is broadly in line with global equity market weights, where the US and Canada naturally dominate, but non‑US markets still play a significant role. Such a mix means results are influenced by one major economic bloc while still capturing growth and diversification from other regions. Currency exposure is also spread across multiple major currencies, not just one. Because the data covers only 1.7 years, it doesn’t really show how this regional blend behaves across different global cycles, such as long periods when non‑US markets lead or lag.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    6%
  • Micro-cap
    4%

By market size, the portfolio leans toward bigger companies: about 42% in mega‑caps and 30% in large‑caps, with the rest in mid, small, and micro‑caps. This pattern is close to how global stock markets are structured, although the dedicated small‑cap value ETF adds a bit more weight to the smaller end than a pure market‑cap index would. Large and mega‑caps often provide more stability and liquidity, while small and micro‑caps can be more volatile but offer different growth and value characteristics. This blend gives exposure to the full company size spectrum. Over time, size segments can take turns leading; the brief 1.7‑year window may not capture those rotations fully.

True holdings Info

  • NVIDIA Corporation
    3.58%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Apple Inc.
    3.42%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    2.64%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Amazon.com Inc
    2.02%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.86%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    1.61%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Broadcom Inc
    1.39%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    1.28%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    0.94%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • JPMorgan Chase & Co
    0.72%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 19.44%

The look‑through data shows that a handful of well‑known global companies—NVIDIA, Apple, Microsoft, Amazon, TSMC, Alphabet, and others—sit at the top of the portfolio’s indirect holdings, though only about 22% of the portfolio is visible through top‑10 ETF positions. These firms appear via ETFs rather than direct holdings, and they are common across many global equity products. That overlap can create more concentration in these names than the simple three‑ETF list might suggest, even though the underlying funds are broad. Because the analysis only sees top‑10 ETF positions, actual overlap is probably higher, meaning the true exposure to these big companies is somewhat understated by the reported percentages.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 80.00%
    79.4%
  • Avantis Emerging Markets Equity UCITS ETF
    Weight: 10.00%
    10.7%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 10.00%
    9.9%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the main global ETF is 80% of the portfolio and contributes about 79% of the total risk, matching very closely. The emerging markets fund is 10% but adds around 10.7% of risk, reflecting its slightly higher volatility. The global small‑cap value ETF also contributes risk roughly in line with its 10% allocation. This pattern means there are no stealth positions dominating risk beyond what their size suggests. All three ETFs together explain essentially 100% of portfolio volatility, and the balance between weight and risk contribution looks consistent and easy to interpret.

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.

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The efficient frontier analysis suggests the current mix sits on or very close to the frontier built from these three ETFs. The efficient frontier is the curve showing the best expected return for each risk level using only the existing ingredients but in different proportions. The portfolio’s Sharpe ratio—a measure of return per unit of risk—is 0.69, while the mathematically optimal mix reaches a higher Sharpe by taking somewhat more risk. The minimum‑variance combination offers slightly lower risk with a somewhat lower return but a Sharpe of 0.82. The key point: given just these holdings, the current allocation already looks reasonably efficient for its risk, which is a positive sign, though all of this is based on a short data history.

Ongoing product costs Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.14%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR 0.39%
  • Avantis Emerging Markets Equity UCITS ETF 0.35%
  • Weighted costs total (per year) 0.19%

The portfolio’s average total expense ratio (TER) is about 0.19%, driven by a very low‑cost core ETF at 0.14% and two slightly higher‑fee satellite funds at 0.35–0.39%. TER is the annual fee charged by the funds, taken quietly inside the ETF rather than as a separate bill. These costs are impressively low for a global mix with small‑cap and emerging markets exposure, which often come with higher fees. Lower ongoing charges mean more of any future returns stay in the portfolio, especially over long periods where even small fee differences compound. The short 1.7‑year history doesn’t change this basic math: structural costs are one of the few more predictable parts of investing.

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