Globally diversified stock portfolio with strong developed markets tilt and moderate balanced risk profile

Report created on Mar 26, 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.

What type of investor this portfolio is suitable for

Balanced Investors

This setup fits an investor who is comfortable with equity‑like volatility and focused on long‑term growth rather than short‑term stability. A typical profile might be someone with at least a 10‑year horizon, who can tolerate 30–40% temporary drawdowns without panic‑selling. Goals might include building retirement wealth, growing a substantial investment pot, or compounding surplus income over decades. They’re usually okay with global exposure and understand that stocks can be very bumpy year to year but historically rewarding over time. Cash flow needs from the portfolio are low, since income is reinvested. Emotional resilience during market downturns is more important than seeking steady, bond‑like returns.

Positions

The portfolio is simple and focused: four broad equity ETFs covering global developed markets, emerging markets, the US, and Europe. There is no allocation to bonds, cash, or alternatives, so it is a pure stock portfolio despite being tagged as “balanced.” This structure keeps things easy to understand and manage, and it is well-aligned with global equity benchmarks. The main implication is that returns and volatility will track the ups and downs of global stocks quite closely. Anyone using this setup typically handles overall risk by adjusting how much of their total net worth is in this portfolio versus safer assets held elsewhere.

Warning Historical data is limited for this portfolio, which reduces the confidence in the calculated values.

Growth Info

From late 2024 to March 2026, €1,000 grew to about €1,157, giving a compound annual growth rate (CAGR) of 11.58%. CAGR is the “average speed” of growth per year, smoothing out bumps. This beats both the US market proxy (7.26%) and the global market proxy (10.21%), which is a strong outcome over the short window. The max drawdown, or worst peak‑to‑trough fall, was around ‑20.3%, similar to global equities. Just 5 days created 90% of total returns, underlining how missing a few strong days can hurt long‑term growth. The short history means this strong performance shouldn’t be assumed to continue unchanged.

Warning Due to limited historical data, this may show extreme values that are not realistic.

Projection Info

The Monte Carlo projection uses the recent return and volatility profile of the portfolio and simulates 1,000 possible 10‑year paths. Think of it as rolling the dice many times using past patterns to see a range of plausible futures, not a crystal ball. The median (50th percentile) result suggests roughly quadrupling over 10 years, while even the lower 5th percentile still shows positive growth around 84%. The average simulated annualized return is 13.4%. However, the history behind this is less than two years, which is very short, so the numbers are likely optimistic and unstable. They are best seen as a rough risk/return illustration, not something to plan around precisely.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with no bonds, cash, or other asset classes. That means there is excellent diversification within equities but no cushion from safer assets during market downturns. In many “balanced” setups, you might see 40–60% in bonds to dampen volatility; by comparison, this allocation behaves more like a growth or aggressive equity portfolio. The benefit is higher long‑term expected returns, as stocks historically outgrow bonds over long horizons. The trade‑off is deeper and more frequent drawdowns, which can be uncomfortable during bear markets. Managing risk outside this portfolio, for example with savings accounts or bond funds, becomes especially important.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is broad: technology is largest at 26%, followed by financial services, industrials, consumer cyclicals, healthcare, and communication services. Smaller allocations go to defensive and “old economy” areas like consumer defensive, energy, materials, utilities, and real estate. This pattern looks very close to global benchmarks, which are also tech‑ and finance‑heavy. That alignment is a positive sign, as it avoids big sector bets that could backfire if a single theme falls out of favour. The flip side is that tech‑led sell‑offs or interest‑rate shocks can still hit the overall portfolio hard, since technology and financials together form a large chunk of the exposure.

Regions Info

  • North America
    53%
  • Europe Developed
    23%
  • Asia Developed
    9%
  • Asia Emerging
    8%
  • Japan
    3%
  • Africa/Middle East
    2%
  • Latin America
    2%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, around 53% is in North America, 23% in developed Europe, and the rest spread across Asia, Japan, emerging markets, and smaller regions. This is quite close to global market capitalization weights, where North America (mainly the US) dominates but is not overwhelming. The moderate emerging markets slice helps add growth potential and diversification without taking on extreme country risk. This alignment with global norms is a strong point: it reduces the risk of making big regional timing calls and tends to track the global economy’s evolution over time. Periods when US stocks lag might feel uncomfortable, but that’s the trade‑off for broad global diversification.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    1%

The portfolio is dominated by mega‑cap and large‑cap companies, with about 82% in mega and big names, 16% in mid‑caps, and only 1% in small‑caps. Large firms usually have more stable earnings, better access to capital, and deeper liquidity, which can reduce idiosyncratic risk compared with tiny companies. The downside is less exposure to the higher growth (and higher risk) potential of small‑caps. This structure closely mirrors mainstream global indices, so behaviour should be similar to a standard world equity basket. Investors who want an extra growth tilt might add more small‑cap exposure elsewhere, but the current setup is very much in line with global practice.

True holdings Info

  • NVIDIA Corporation
    3.67%
    Part of fund(s):
    • Amundi MSCI World UCITS ETF DR USD Acc
    • Vanguard S&P 500 UCITS Acc
  • Apple Inc
    3.34%
    Part of fund(s):
    • Amundi MSCI World UCITS ETF DR USD Acc
    • Vanguard S&P 500 UCITS Acc
  • Microsoft Corporation
    2.41%
    Part of fund(s):
    • Amundi MSCI World UCITS ETF DR USD Acc
    • Vanguard S&P 500 UCITS Acc
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.34%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Amazon.com Inc
    1.73%
    Part of fund(s):
    • Amundi MSCI World UCITS ETF DR USD Acc
    • Vanguard S&P 500 UCITS Acc
  • Alphabet Inc Class A
    1.55%
    Part of fund(s):
    • Amundi MSCI World UCITS ETF DR USD Acc
    • Vanguard S&P 500 UCITS Acc
  • Alphabet Inc Class C
    1.27%
    Part of fund(s):
    • Amundi MSCI World UCITS ETF DR USD Acc
    • Vanguard S&P 500 UCITS Acc
  • Broadcom Inc
    1.25%
    Part of fund(s):
    • Amundi MSCI World UCITS ETF DR USD Acc
    • Vanguard S&P 500 UCITS Acc
  • Meta Platforms Inc.
    1.20%
    Part of fund(s):
    • Amundi MSCI World UCITS ETF DR USD Acc
    • Vanguard S&P 500 UCITS Acc
  • Samsung Electronics Co Ltd
    1.05%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Top 10 total 19.80%

Looking through the ETFs, the largest underlying exposures are mega‑cap tech and semiconductor names like NVIDIA, Apple, Microsoft, TSMC, and Amazon. Several of these appear in multiple ETFs, which creates hidden concentration: for example, the US and world ETFs both hold many of the same giants. Because data only covers ETF top‑10 holdings, the overlap is probably higher than shown. This concentration is normal for cap‑weighted global equity portfolios and broadly matches market structure. The key takeaway is that portfolio behaviour will be heavily influenced by a relatively small group of large global companies, especially in technology and communication-related areas.

Factors Info

Value
Preference for undervalued stocks
No data
Data availability: 0%
Size
Exposure to smaller companies
Slight tilt
Data availability: 80%
Momentum
Exposure to recently outperforming stocks
Moderate tilt
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Strong tilt
Data availability: 19%

Factor exposure looks tilted toward momentum, low volatility, and size. Factors are characteristics like “momentum” (recent winners), “value” (cheap), or “quality” (profitable) that research links to returns. Here, momentum exposure is relatively high, suggesting the portfolio is skewed toward stocks that have been performing well recently. Low volatility also shows as a dominant factor, though coverage is limited, hinting at some bias toward steadier names. Size exposure indicates a preference for larger companies versus tiny ones. With limited signal coverage overall, these readings are directional rather than precise. In strong, trending markets, the momentum tilt can boost results, but during sharp reversals, performance can swing more quickly.

Risk contribution Info

  • Amundi MSCI World UCITS ETF DR USD Acc
    Weight: 45.75%
    47.9%
  • Vanguard S&P 500 UCITS Acc
    Weight: 18.50%
    20.2%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 20.09%
    19.3%
  • Amundi Stoxx Europe 600 UCITS ETF C EUR
    Weight: 15.66%
    12.7%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. The Amundi MSCI World ETF weighs about 46% but contributes nearly 48% of total risk. The S&P 500 ETF weighs 18.5% and contributes about 20% of risk, while emerging markets and Europe slightly under‑contribute relative to their weights. The top three ETFs together create over 87% of portfolio risk, so most volatility is coming from global developed and US exposure. This isn’t inherently problematic, but it means changes to those positions will have the biggest impact. Periodic rebalancing can keep risk contributions aligned with intended strategic weights.

Redundant positions Info

  • Vanguard S&P 500 UCITS Acc
    Amundi MSCI World UCITS ETF DR USD Acc
    High correlation

Correlation measures how assets move together: 1 means they move in lockstep, 0 means they move independently. In this portfolio, the S&P 500 ETF and the global World ETF are highly correlated, which makes sense since both are heavily exposed to large US companies. High correlation limits diversification benefits because when one falls sharply, the other usually does too. The emerging markets and Europe allocations help, but broad global equity funds inherently share big overlaps. The main takeaway is that, while the portfolio is diversified across regions and sectors, it is still driven by one global equity cycle, particularly large developed markets, so drawdowns will tend to happen across the board.

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.

On the risk–return chart, the current portfolio has expected return of 11.75% and risk (volatility) of 14.71%, giving a Sharpe ratio of 0.66. The Sharpe ratio measures return per unit of risk; higher is better. The efficient frontier shows that, with the same four ETFs but different weights, you could get a higher expected return for similar or lower risk. The optimal mix on this curve hits a Sharpe around 1.01, and even the minimum‑variance and same‑risk variants show better trade‑offs. That means the current allocation is below the frontier. Reweighting among these existing ETFs, especially reducing overlap between highly correlated positions, could potentially improve efficiency without adding new products.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • Amundi Stoxx Europe 600 UCITS ETF C EUR 0.07%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Weighted costs total (per year) 0.06%

The total ongoing costs are impressively low, with a blended TER around 0.06%. TER (Total Expense Ratio) is like an annual management fee embedded in each ETF that reduces returns slightly each year. Keeping this figure low is one of the few levers investors fully control, and small differences compound massively over long horizons. For context, many active funds charge 0.8–1.5% annually, which would eat a noticeable chunk of long‑term gains. This portfolio’s cost level is a real strength and closely aligned with best practices for passive, long‑term investing. It supports the goal of capturing as much of the underlying market return as possible.

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