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Efficient global value tilt that behaves like a plain vanilla index with a tiny personality crisis

Report created on May 5, 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 basically a one-fund global index with two value-factor sidekicks awkwardly glued on. Seventy percent in a plain MSCI ACWI tracker says “I like the whole market,” while the extra 30% in value funds says “but also I don’t.” It’s diversification theatre: structurally simple, philosophically conflicted. The result is a portfolio that mostly behaves like a basic global index, with a modest value accent that’s not big enough to be bold but big enough to slightly distort things. It’s as if someone tried to be clever but lost interest halfway through and defaulted to the standard world ETF.

Growth Info

Historically this mix has done fine but not heroic. Turning €1,000 into €2,467 is solid, but lagging the US market by 2.46% CAGR is the cost of not going full America-obsessed. Beating the global market by a microscopic 0.04% is statistical noise, not genius. CAGR, or compound annual growth rate, is basically “average speed over the whole trip,” and yours is respectable. Max drawdown of about -33% shows it still bleeds like an equity portfolio in a panic. Past data is yesterday’s weather: useful context, not a prophecy.

Projection Info

The Monte Carlo projection says the future is “probably okay, but don’t get cocky.” Monte Carlo just means running thousands of what-if scenarios to see where a €1,000 might land; here the median outcome is €2,965 after 15 years, with a wide “could be meh, could be great” range. That €1,033 at the pessimistic end is the reminder that stocks don’t come with seatbelts. An 8.5% annualized simulated return is optimistic but within reason. Still, simulations are glorified dice rolls based on history, not a binding contract with reality.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, zero anything else. Subtle as a sledgehammer. For a “balanced” label and a 4/7 risk score, this doesn’t bother pretending to balance much of anything. No bonds, no cash, no alternatives — just full-on equity ride-or-die. That’s fine if volatility is the chosen entertainment, but let’s not pretend this is a multi-asset masterpiece. When everything is in one asset class, all the knobs that usually smooth the ride are basically turned off, so downturns are going to feel honest and unfiltered.

Sectors Info

  • Technology
    30%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Staples
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, this is a tech-forward global salad hiding behind the word “value.” About 30% in technology is more “growth party” than “deep value bargain hunting.” Financials, industrials, and the usual economic suspects follow in roughly sensible proportions, so it still looks like a broad market clone. The “value factor” overlays clearly weren’t strong enough to drag sector weights into anything radical. So the portfolio talks like a contrarian but walks almost exactly like a standard global benchmark that happens to love big tech a lot.

Regions Info

  • North America
    54%
  • Europe Developed
    15%
  • Asia Developed
    11%
  • Asia Emerging
    8%
  • Japan
    7%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, this screams “US first, everyone else gets what’s left.” Over half in North America, then a thin sprinkling across Europe, Asia, and the rest of the planet just to qualify as “global.” It’s basically a passport with one very thick stamp. The allocation isn’t wildly off from typical world indexes, so it’s not some wild bet, just a pretty standard home-in-on-the-US approach via global funds. The downside is obvious: when the US sneezes, this thing catches the flu, while the rest of the world is more of a background extra.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    38%
  • Mid-cap
    15%

Market cap exposure is unapologetically top-heavy: 46% mega-cap, 38% large-cap, 15% mid-cap, and small caps basically ghosted. This is the corporate equivalent of only trusting giant household-name brands and politely ignoring everyone smaller. That lines up with broad market indexing but makes the “value” angle feel even thinner, since a lot of the spicier value stories live further down the size spectrum. The upside is stability-ish; the downside is you’re essentially paying for the same mega-cap crowd every global ETF already hands you.

True holdings Info

  • NVIDIA Corporation
    3.30%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    2.90%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.60%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Microsoft Corporation
    2.03%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    1.55%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.29%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.10%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.08%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    0.97%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    0.82%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 17.64%

The look-through holdings show the usual celebrity lineup: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — the full tech-pop playlist. That’s the punchline: a portfolio branding itself with “value factor” still ends up heavily exposed to the same expensive rockstars as everyone else, just via different wrappers. Overlap data is only top-10 holdings, so the real duplication is probably worse. You don’t see it on the surface, but underneath it’s one big bet on the global mega-cap club wearing three different ETF costumes.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 70.00%
    70.3%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    15.0%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 15.00%
    14.7%

Risk contribution is refreshingly boring: each holding pulls risk almost exactly in line with its weight. The 70% core fund does about 70% of the volatility heavy lifting, and the two 15% value funds each chip in roughly their share. Risk contribution measures which holdings are actually responsible for the ups and downs, and here there are no secret drama queens hiding in small positions. It’s concentrated in three funds, sure, but at least nothing tiny is quietly detonating the risk profile behind the scenes.

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 efficient frontier, this thing is annoyingly competent. The current portfolio sits right on or very near the curve, with a Sharpe ratio of 0.6 versus about 0.8 for the best mix of the same ingredients. Sharpe is just return per unit of risk — how much bang you get for every unit of gut-churning. The message: with only these three funds, the weighting is already close to as efficient as it gets. No heroic rebalancing tricks hiding in the data; the structure is plain, simple, and not obviously dumb.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.19%

Costs are the one area where this portfolio quietly nails it. A blended TER of 0.19% is low enough that it barely shows up on the bill — especially given the factor funds, which are rarely bargain-bin cheap. Fees are under control; it looks like someone managed to pick sensible ETFs without stepping on any landmines. That said, there is a bit of paying extra for the value-factor garnish that doesn’t dramatically change behaviour. Still, as far as cost leakage goes, this setup is more “slow drip” than “wallet puncture.”

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