Global equity blend with strong technology tilt and efficient risk return balance

Report created on Jun 9, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a simple three‑ETF setup that is fully invested in global stocks. Around 80% sits in a broad world equity fund, giving wide coverage across developed and emerging markets. A 10% slice targets US large companies, while another 10% focuses on value-tilted emerging markets. This structure keeps the portfolio easy to understand and manage, with one core holding and two satellites. A concentrated ETF list like this can be helpful for transparency, because most of the behaviour comes from a few clearly defined building blocks rather than many small positions that are harder to track.

Growth Info

Over the period shown, €1,000 grew to about €1,718, which is a strong outcome for roughly two and a half years. The portfolio’s compound annual growth rate (CAGR) of 23.07% slightly beat both the US market and the global equity benchmark. CAGR is the “average yearly speed” of growth over time, smoothing out ups and downs. The worst peak‑to‑trough fall was about -21%, similar to global markets, and it took around five months to recover. This pattern suggests the portfolio captured equity‑like returns with drawdowns in line with broad stock markets, which is consistent with its 100% equity exposure.

Projection Info

The Monte Carlo projection uses the past as a guide to create many possible future paths for the portfolio. It runs 1,000 simulations, each shaking returns around randomly based on historical patterns, and then looks at the distribution of outcomes after 15 years. The median result is about €2,761 from €1,000, with a fairly wide “likely range” between roughly €1,743 and €4,436. Monte Carlo does not predict a single future; it just shows possible scenarios if the past were broadly similar to the future. Real‑world results can be higher or lower, especially if market conditions change meaningfully.

Asset classes Info

  • Stocks
    100%

All of the portfolio is invested in stocks, with no bonds, cash, or alternatives in the mix. That means every euro is exposed to equity market upside and downside, without any built‑in buffer from traditionally steadier assets. This pure‑equity stance lines up with the observed drawdowns and strong performance versus equity benchmarks. Compared with a more mixed asset allocation, such a structure tends to swing more in the short term but offers greater long‑term growth potential. The “Balanced” label in the risk classification here refers more to overall risk scoring, not to a balance between stocks and bonds in the holdings themselves.

Sectors Info

  • Technology
    35%
  • Financials
    15%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio leans heavily into technology, at about 35%, with financials, industrials, and consumer areas making up much of the rest. This profile is broadly similar to current global equity indices, which also have a strong tech component, but the tilt here is slightly more pronounced. Tech-heavy portfolios often benefit when innovation and growth stories drive markets, but they can be more sensitive when interest rates rise or when investors rotate toward more defensive sectors. The presence of meaningful weights in financials, industrials, and telecoms helps avoid being a “one‑sector story,” supporting diversification across different parts of the economy.

Regions Info

  • North America
    64%
  • Asia Developed
    11%
  • Europe Developed
    11%
  • Asia Emerging
    6%
  • Japan
    4%
  • Latin America
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, about two‑thirds of the exposure is in North America, with the rest spread across developed Europe, developed Asia, Japan, and several emerging regions. This North America weight is broadly aligned with global market capitalization, where US companies dominate major indices. Such alignment is often seen as a positive, because it mirrors how global equity markets are actually structured. At the same time, meaningful allocations to Asia, Europe, and emerging markets introduce different economic and currency drivers. This spread reduces the impact of any single region’s political or economic shocks, even though the US remains the main engine of portfolio performance.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    33%
  • Mid-cap
    14%

By company size, the portfolio is dominated by mega‑caps and large‑caps, together accounting for over 80%, with a smaller slice in mid‑caps. This size mix closely resembles global indices, which are naturally weighted toward the world’s biggest listed firms. Larger companies often have more stable earnings, deeper liquidity, and broader analyst coverage, which can dampen some of the volatility seen in smaller stocks. The mid‑cap allocation adds a bit of extra growth potential and diversification without veering into very small‑cap territory. Overall, the market‑cap structure supports a steady, index‑like behaviour anchored in global blue‑chip businesses.

True holdings Info

  • NVIDIA Corporation
    4.70%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Apple Inc
    3.87%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Microsoft Corporation
    2.80%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Amazon.com Inc
    2.46%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.43%
    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
  • Alphabet Inc Class A
    2.15%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Broadcom Inc
    1.83%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class C
    1.79%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Meta Platforms Inc.
    1.30%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Tesla Inc
    1.04%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Top 10 total 24.36%

Looking through the ETFs’ top holdings, the portfolio has meaningful exposure to a familiar group of large technology and growth names. Companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta collectively make up a sizeable slice of the look‑through coverage. Some appear via multiple ETFs, which can create hidden concentration even when the ETF list looks diversified. Because only top‑10 ETF positions are shown, overlap is probably larger than reported here. This pattern is common in global index‑based portfolios today, as many funds track benchmarks where the same mega‑cap stocks dominate index weights across regions and styles.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 80.00%
    79.4%
  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 10.00%
    10.4%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    10.2%

Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the world equity ETF at 80% weight contributes about 79% of the risk, while the two 10% satellite funds each add around 10% of risk. That near one‑to‑one relationship between weight and risk suggests volatility is fairly similar across the three holdings. There are no small positions punching far above their weight in terms of risk, and no large position that is unexpectedly low‑risk. In other words, the portfolio’s risk is distributed in a straightforward way that mirrors the allocation.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    State Street SPDR S&P 500 UCITS ETF (Acc)
    High correlation

The correlation data shows that the S&P 500 ETF and the global world ETF move almost identically. Correlation measures how assets move together, from -1 (opposite) to +1 (in lockstep). High correlation between these two is expected because US stocks make up a large chunk of global indices. This means the S&P 500 slice does not add much diversification versus the world fund; it mainly reinforces exposure to US large‑caps. Diversification benefits are more likely coming from the emerging markets value ETF, which tends to behave differently from US‑heavy developed markets, especially during region‑specific rallies or slowdowns.

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 optimization chart places the current portfolio right on or very close to the efficient frontier. The efficient frontier represents the best achievable return for each level of risk, using only the existing holdings in different proportions. The Sharpe ratio, which measures return per unit of volatility after adjusting for a risk‑free rate, is 1.3 for the current mix. The optimal combination on the frontier reaches a higher Sharpe, but with noticeably more risk. Being on the frontier is a positive sign: it means, given these three ETFs, the present allocation is already using them in an efficient way for its chosen risk level.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • State Street SPDR S&P 500 UCITS ETF (Acc) 0.03%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.14%

The overall ongoing fee, or total expense ratio (TER), for this portfolio is about 0.14% per year. TER is the annual cost charged by the funds, taken directly from the fund’s assets, so it quietly reduces returns over time. A blended cost at this level is impressively low for a global, fully equity portfolio. It compares favourably with many actively managed funds that often charge several times as much. Lower costs mean more of the market’s return stays in the portfolio, which can compound into a noticeable difference over long periods, especially when combined with broad diversification and efficient structure.

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