Globally diversified stock portfolio with strong regional balance and impressively low ongoing investment costs

Report created on Apr 5, 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.

Positions

The portfolio is built from three broad equity ETFs: one covering a wide European universe, one targeting emerging Asia, and one tracking large US companies. The weights lean slightly toward Europe, with meaningful slices in the US and Asia, creating a genuinely global mix. Holding only three ETFs keeps things simple while still achieving a strong diversification score. This structure matters because broad index funds spread risk across thousands of companies, reducing the impact of any single stock or country event. The practical takeaway is that the core building blocks are clean and efficient, making it easier to understand how the portfolio behaves and to maintain it over time without endless moving parts.

Growth Info

Historically, €1,000 grew to about €1,742 over a bit more than six years, giving a compound annual growth rate (CAGR) of 9.32%. CAGR is like your average “speed” per year, smoothing out the bumps along the way. This lagged the US market and global market by 3.08 and 1.28 percentage points a year, which is quite normal for a portfolio with more Europe and emerging Asia exposure in a very US‑driven decade. The max drawdown of around -32% during early 2020 was sharp but in line with major indices, and the recovery in eight months shows resilience. Just remember: past performance shows how it behaved, not what it will do next.

Projection Info

The Monte Carlo simulation projects many possible 15‑year paths by remixing patterns from historical returns. Think of it as running 1,000 alternate futures to see a range of outcomes, rather than one precise forecast. The median scenario grows €1,000 to about €2,389, with a wide but reasonable range around that. The average simulated annual return of 6.60% reflects both good and bad markets mixed together. Around 82% of simulations end positive, showing a strong historical edge for staying invested over long periods. Still, simulations lean on past data, so they can’t anticipate new crises or regime changes; they’re more like a weather “climate” map than a daily forecast.

Asset classes Info

  • Stocks
    69%
  • Other
    31%

Roughly 69% of the allocation is classified as stocks, with the rest in “other,” which here still reflects non‑bond, non‑cash exposures within the equity funds. The important point is that this is overwhelmingly an equity‑driven portfolio, meaning long‑term growth potential is high but short‑term swings can be significant. For a balanced‑risk profile, this tilt is on the growthier side but still consistent with someone who can ride out multi‑year ups and downs. Because there are no bonds or pure cash layers in the breakdown, day‑to‑day value will move largely with global stock markets. The key takeaway is that time horizon and ability to handle volatility matter more than short‑term price moves.

Sectors Info

  • Financials
    13%
  • Technology
    13%
  • Industrials
    10%
  • Health Care
    8%
  • Consumer Discretionary
    6%
  • Consumer Staples
    5%
  • Telecommunications
    4%
  • Energy
    4%
  • Utilities
    3%
  • Basic Materials
    3%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is nicely spread, with financials and technology each around 13%, then meaningful slices in industrials, healthcare, consumer areas, and smaller weights in telecoms, energy, utilities, materials, and real estate. This broad mix is quite close to global equity benchmarks, which is a strong indicator of diversification. No single sector dominates, so you’re not overly dependent on, say, tech booms or energy cycles. A portfolio like this should handle different economic environments more smoothly: when one sector struggles, others often offset it. The main implication is that sector balance is a real strength here, giving you a solid core aligned with how the global market itself is structured.

Regions Info

  • Europe Developed
    40%
  • North America
    29%

This breakdown covers the equity portion of your portfolio only.

Geographically, there’s a strong 40% weight to developed Europe and 29% to North America, with the rest largely in emerging Asia via the dedicated ETF. That means the portfolio is more regionally balanced than many that default heavily to the US. This broader mix is helpful because different regions lead at different times; the past decade was great for US stocks, but other regions have dominated in earlier periods. Compared with a world index, Europe and emerging Asia are somewhat overweight, while the US is underweight. That choice increases diversification but can cause underperformance when US markets are especially strong, as seen in the historical results.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    33%
  • Mid-cap
    12%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Most of the equity exposure sits in mega‑caps (53%) and large‑caps (33%), with only small allocations to mid‑caps and tiny exposure to small‑caps. Large global companies tend to be more stable, with deeper liquidity and more diversified business lines, which helps smooth volatility compared with a portfolio full of smaller, more speculative names. The trade‑off is that you may miss some of the high‑growth potential that smaller companies can sometimes offer in strong economic cycles. Overall, this size profile is very close to a global market‑cap‑weighted approach, which is usually considered a sensible default and supports the portfolio’s strong diversification rating.

True holdings Info

  • NVIDIA Corporation
    2.08%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Apple Inc
    1.89%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • ASML Holding N.V.
    1.48%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
  • Microsoft Corporation
    1.41%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Amazon.com Inc
    0.99%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Rogers Corporation
    0.88%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
  • Alphabet Inc Class A
    0.88%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • AstraZeneca PLC
    0.85%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
  • Novartis AG
    0.85%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
  • HSBC Holdings PLC
    0.84%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
  • Top 10 total 12.14%

Looking through the ETFs, the largest visible exposures are familiar global giants like NVIDIA, Apple, ASML, Microsoft, and Amazon, plus major pharma and financial names. Even though top‑10 data only covers a small part of total holdings, it already shows some overlap: the same big tech and healthcare names appear via both the US and Europe funds. Overlap is not bad in itself, but it can create hidden concentration in certain mega‑caps or themes. A useful mental note is that big global companies will likely drive a noticeable part of returns and volatility, even if they don’t look huge when you only glance at the ETF tickers.

Risk contribution Info

  • Amundi Stoxx Europe 600 UCITS ETF C
    Weight: 40.71%
    39.4%
  • Amundi ETF PEA MSCI Emerging Asia UCITS ETF
    Weight: 30.94%
    33.8%
  • Vanguard S&P 500 UCITS Acc
    Weight: 28.35%
    26.8%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from its simple weight. Here, the European ETF is about 41% of the portfolio and contributes roughly 39% of risk, while the emerging Asia ETF at 31% weight adds around 34% of risk. The US ETF is slightly lower risk than its weight, at about 27% risk contribution for a 28% allocation. This pattern implies emerging Asia is a bit more volatile per euro invested, which is expected for that region. The balance is still healthy: no single fund is massively outsized in risk terms, so portfolio behaviour feels broadly proportional to the chosen weights.

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‑return chart, the current mix sits below the efficient frontier by about 1.08 percentage points at the same risk level. The efficient frontier represents the best possible return for each level of risk using just these three holdings but with different weights. The Sharpe ratio, which measures return per unit of risk, is 0.49 for the current allocation versus 0.68 for the optimal and 0.61 for the minimum‑variance mix. That suggests there’s room to improve risk‑adjusted returns simply by reweighting what’s already held, without adding new funds. The encouraging part is that the gap is modest, so the existing allocation is already reasonably sensible and not wildly inefficient.

Ongoing product costs Info

  • Vanguard S&P 500 UCITS Acc 0.07%
  • Amundi Stoxx Europe 600 UCITS ETF C 0.07%
  • Amundi ETF PEA MSCI Emerging Asia UCITS ETF 0.30%
  • Weighted costs total (per year) 0.14%

Total ongoing costs are impressively low, with a weighted TER of about 0.14% per year. TER, or Total Expense Ratio, is the annual fee charged by funds; it’s taken inside the ETF, so you never see a bill, but it slightly reduces returns every year. Keeping this number low is powerful because fees compound just like returns do, except in the wrong direction. Here, the two biggest holdings charge only 0.07%, and even the emerging Asia fund is reasonably priced for that region. This cost structure is a real strength and supports better long‑term performance compared with similar portfolios built with more expensive products.

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