High growth focused portfolio with concentrated technology holdings and strong historic returns but elevated risk

Report created on May 10, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is built around a tight group of individual stocks, backed up by several broad and thematic ETFs plus small allocations to gold and silver. Around two thirds of the total weight sits in just four single-company positions, with Micron, Alphabet, NVIDIA, and Berkshire Hathaway all in double digits. This kind of structure leans more toward a “core of big convictions” than a widely spread basket. That matters because individual company news can move the overall portfolio noticeably. The presence of diversified index and sector funds adds some breadth, but the main behaviour will still be driven by those large stock positions rather than the ETFs or metals.

Growth Info

Over the last few years, €1,000 grew to about €3,675, a compound annual growth rate (CAGR) of roughly 30.9%. CAGR is like an “average speed” per year over the full journey. This handsomely outpaced both the US and global equity benchmarks, which delivered low‑teens and high‑single‑digit CAGRs over the same period. The portfolio did see a meaningful drawdown of around -26.6%, slightly deeper than the US market. It also relied on a small cluster of very strong days for most of its gains. That pattern is typical of concentrated, growth‑tilted portfolios: they can shine in favourable markets but swing more when sentiment turns.

Projection Info

The forward projection uses Monte Carlo simulation, which essentially replays many possible futures based on patterns in the historical data. Think of it as rolling the dice 1,000 times using past volatility and returns as a guide, not a prediction. Here, the median path turns €1,000 into roughly €2,656 over 15 years, with a wide “middle” range from about €1,786 to €3,867. There are also more extreme but less likely outcomes on both sides. The average annualised return across simulations is around 7.6%. These numbers illustrate potential variability: even with a positive overall tilt, outcomes cluster in a band rather than a single figure, and real‑world results can still differ.

Asset classes Info

  • Stocks
    91%
  • Other
    9%

By asset class, the portfolio is very equity‑heavy, with about 91% in stocks and only 9% in “other,” mainly precious metals. Equity dominance is common in growth‑oriented allocations because shares typically carry higher long‑term return potential alongside higher short‑term volatility. The small allocation to gold and silver introduces an element that often behaves differently from stocks, especially during stress periods or inflation shocks. Compared with a more mixed stock‑bond blend, this structure accepts larger ups and downs in pursuit of growth. The metals slice offers a secondary diversifier, but it is too small to fundamentally change the portfolio’s overall equity‑driven risk profile.

Sectors Info

  • Technology
    41%
  • Telecommunications
    15%
  • Financials
    15%
  • Consumer Discretionary
    6%
  • Industrials
    6%
  • Consumer Staples
    4%
  • Health Care
    2%
  • Basic Materials
    1%
  • Energy
    1%
  • Utilities
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is clearly tilted, with technology standing out at 41% of the equity portion. Telecommunications and financials each make up around 15%, while other sectors appear in mid‑single‑digit or smaller weights. Large technology stakes can benefit from innovation and earnings growth, particularly when markets reward fast‑growing companies, which helps explain the strong historical performance. The flip side is that tech‑heavy portfolios often feel interest‑rate changes and sentiment swings more sharply. Compared with broad global benchmarks, this sector mix is more concentrated and growth‑oriented, so returns are likely to be driven disproportionately by how the technology complex performs over time.

Regions Info

  • North America
    72%
  • Asia Emerging
    8%
  • Europe Developed
    5%
  • Asia Developed
    3%
  • Japan
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is strongly anchored in North America at about 72%, with modest allocations to emerging Asia and smaller slices across Europe, Japan, and other regions. This kind of regional focus broadly aligns with major indices that are also heavily weighted to North America, though your exposure is somewhat more pronounced. A North America tilt has been advantageous in recent years as many leading growth companies are based there. However, it naturally ties more of the outcome to one economic and policy environment. The emerging and developed ex‑North America positions add some global flavour, but the portfolio’s overall story remains very US‑centric.

Market capitalization Info

  • Mega-cap
    67%
  • Large-cap
    16%
  • Mid-cap
    6%
  • No data
    5%

This breakdown covers the equity portion of your portfolio only.

Most holdings are in larger companies, with about 67% in mega‑caps and another 16% in large‑caps, leaving only a small exposure to mid‑caps. Market capitalisation, or “market cap,” is simply the total value of a company’s shares and often correlates with business maturity and stability. Large firms tend to be more diversified and liquid, which can reduce some company‑specific risk. The tilt toward mega‑caps is generally in line with mainstream indices, though the portfolio layers this on top of stock‑specific concentration. That means size diversification is relatively strong, but overall risk is still dominated by a few big names rather than spread evenly across many large companies.

True holdings Info

  • Micron Technology Inc
    14.46%
  • Alphabet Inc Class A
    13.17%
  • NVIDIA Corporation
    11.41%
  • Berkshire Hathaway Inc
    11.20%
  • Apple Inc
    5.02%
  • BYD Company Limited
    4.47%
  • NVIDIA Corporation
    0.82%
    Part of fund(s):
    • iShares Automation & Robotics UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Dist)
  • Apple Inc
    0.59%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Dist)
  • Microsoft Corporation
    0.43%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Dist)
  • Walmart Inc.
    0.35%
    Part of fund(s):
    • Xtrackers MSCI World Consumer Staples UCITS ETF 1C
  • Top 10 total 61.92%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, there is limited but notable overlap with the direct stock positions. NVIDIA and Apple show up both as standalone holdings and as components within some funds, slightly increasing exposure beyond the direct weights. For example, there is an extra 0.82% to NVIDIA and 0.59% to Apple via ETFs, plus secondary giants like Microsoft and Walmart through index products. Because this look‑through only uses ETF top‑10 holdings, overlapping exposures are probably understated. The practical takeaway is that headline position sizes for certain household names understate their total influence when both direct and indirect (via ETFs) stakes are added together.

Risk contribution Info

  • Micron Technology Inc
    Weight: 14.46%
    29.9%
  • NVIDIA Corporation
    Weight: 11.41%
    22.4%
  • Alphabet Inc Class A
    Weight: 13.17%
    14.0%
  • iShares Core S&P 500 UCITS ETF USD (Dist)
    Weight: 8.83%
    6.1%
  • iShares Automation & Robotics UCITS ETF USD (Acc)
    Weight: 4.72%
    4.8%
  • Top 5 risk contribution 77.1%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from its weight. Here, Micron at 14.5% weight contributes nearly 30% of total risk, and NVIDIA at 11.4% accounts for about 22%. Together with Alphabet, the top three positions make up roughly two thirds of portfolio risk. That concentration means day‑to‑day volatility is heavily tied to just a few companies, especially Micron and NVIDIA. In contrast, the S&P 500 ETF is almost 9% of the portfolio but only 6% of the risk, acting as a stabiliser. This is a classic example of conviction positions dominating behaviour.

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 below the efficient frontier. The efficient frontier represents the best possible return for each level of risk using only the existing holdings but in different weightings. Sharpe ratio is the key gauge here; it measures return per unit of risk above a risk‑free rate. The current Sharpe ratio of about 1.18 trails the optimal mix at 1.91, which achieves slightly higher expected return with noticeably lower volatility. This suggests there is room for a more efficient balance just by reweighting what is already held, without introducing new assets, while the minimum‑variance option would reduce risk far more but also materially lowers expected return.

Dividends Info

  • iShares MSCI Europe SRI UCITS ETF EUR (Dist) 2.00%
  • iShares Core S&P 500 UCITS ETF USD (Dist) 1.00%
  • Weighted yield (per year) 0.16%

Dividend yield is very low at an overall level, with a total portfolio yield of around 0.16%. Only a couple of ETFs distribute dividends meaningfully, at roughly 1–2%. Most of the individual stocks and thematic funds focus on capital growth rather than cash payouts. Dividends can be an important component of long‑term equity returns, especially in more income‑oriented strategies, but growth‑driven portfolios like this often sacrifice yield in favour of reinvestment. In practice, this means most of the return here has come, and is expected to come, from price movement rather than regular income, which aligns with the strong recent capital appreciation.

Ongoing product costs Info

  • iShares Automation & Robotics UCITS ETF USD (Acc) 0.40%
  • iShares S&P 500 Industrials Sector UCITS Acc 0.15%
  • iShares MSCI Europe SRI UCITS ETF EUR (Dist) 0.20%
  • Invesco Physical Silver ETC 0.19%
  • Amundi MSCI Emerging Markets UCITS 0.20%
  • iShares Core S&P 500 UCITS ETF USD (Dist) 0.07%
  • Xtrackers MSCI World Consumer Staples UCITS ETF 1C 0.25%
  • iShares Physical Gold ETC 0.25%
  • Weighted costs total (per year) 0.08%

Costs are notably low, with a total expense ratio (TER) of about 0.08% across the portfolio’s fund and ETC components. TER is the annual fee charged by a fund, expressed as a percentage of assets. Many of the core ETFs use low‑cost index tracking, and even the thematic and sector funds sit at moderate fee levels. Keeping costs down is a quiet but powerful advantage because fees compound over time just like returns do. This cost structure is impressively lean and compares favourably with many actively managed alternatives, providing a solid foundation for long‑term net performance, assuming the underlying assets continue to behave in line with expectations.

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