Globally diversified mix with strong equity core plus stabilising gold and bond exposure

Report created on May 15, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is very simple: three holdings doing three different jobs. Around 70% is in a global stock ETF, giving broad exposure to world equities. About 15% sits in a physical gold ETC, and another 15% in a global bond ETF hedged back to pounds. That mix lines up well with a “cautious” risk profile, because a meaningful slice is in assets that often behave differently to stocks. A streamlined structure like this is easy to understand and track. The flip side is that all equity risk is bundled into a single global fund, so there is little ability to tilt between regions or themes within stocks.

Growth Info

From mid‑2019 to May 2026, £1,000 in this portfolio grew to about £2,099. That works out to a Compound Annual Growth Rate (CAGR) of 11.53%, which is the “average yearly speed” of growth over the period. It lagged the US market benchmark by around 2.6 percentage points per year, but was very close to the global market, trailing by only 0.22 points. The maximum drawdown, or worst peak‑to‑trough fall, was about ‑16.7%, noticeably milder than the roughly ‑25% drawdowns in the benchmarks. This shows the gold and bond positions have historically softened big equity swings, trading some upside for lower downside.

Projection Info

The forward projection uses a Monte Carlo simulation, which is basically a large number of “what if” paths built from past data. It shakes the historical returns and volatility in different sequences to show a range of possible 15‑year outcomes. Here, £1,000 has a median simulated value of about £2,519, with half the paths landing between roughly £1,792 and £3,590. The wide gap between the lower and upper ends (about £1,111 to £5,364) highlights how uncertain long‑term investing is. The average simulated annual return of 6.97% is lower than historical results, underlining that past performance is not a promise of future returns.

Asset classes Info

  • Stocks
    70%
  • Other
    15%
  • Bonds
    15%

By asset class, about 70% of the portfolio is in stocks, 15% in bonds, and 15% classed as “other” via the gold ETC. Compared with a pure equity benchmark, this is a more balanced mix, with a meaningful defensive sleeve. Stocks are typically the main growth engine over long periods, while bonds often provide income and can help dampen volatility. Gold sits in its own bucket and has historically sometimes moved differently to both stocks and bonds, especially around inflation or crisis periods. This allocation is well‑balanced and aligns closely with global standards for a cautious‑tilted diversified mix.

Sectors Info

  • Technology
    19%
  • Financials
    12%
  • Industrials
    8%
  • Consumer Discretionary
    7%
  • Health Care
    6%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Looking only at the equity slice, sector exposure is broadly spread. Technology is the largest at 19%, followed by financials at 12%, then industrials and consumer‑related areas across smaller weights. Compared with many global equity benchmarks, this sector mix looks familiar, with tech at the top but not overwhelmingly dominant. That helps avoid relying on a single theme, like high‑growth tech or energy, to drive outcomes. Sector diversification matters because different parts of the economy can shine or struggle at different times. A portfolio that roughly mirrors global sector weights tends to capture the overall market’s shifts without making concentrated sector bets.

Regions Info

  • North America
    45%
  • Europe Developed
    10%
  • Japan
    4%
  • Asia Developed
    4%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the equity portion leans 45% toward North America, with smaller slices in developed Europe, Japan, other developed Asia, and emerging regions. That North American tilt is broadly in line with global market value, where US and Canadian companies make up a large share. Compared to a purely domestic portfolio, this is far more internationally diversified, spreading company and currency exposure across many economies. Non‑equity holdings, like global bonds and gold, add further geographic variety even though they are not fully detailed in the equity geography breakdown. This spread reduces reliance on the economic fortunes of any single country or region.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    24%
  • No data
    15%
  • Mid-cap
    12%

This breakdown covers the equity portion of your portfolio only.

Market‑cap exposure is mainly in mega‑ and large‑cap companies, which together account for more than half of the equity allocation. Mid‑caps make up a smaller chunk, and there is limited explicit small‑cap exposure visible in the data. Larger companies often have more stable earnings, stronger balance sheets, and more diversified businesses than smaller firms, which can reduce volatility but may cap explosive growth potential. This large‑cap tilt is typical for global index‑style funds and keeps the portfolio anchored in widely followed, highly liquid names. It also means performance tends to track the global “headline” market rather than niche or speculative areas.

True holdings Info

  • NVIDIA Corporation
    3.13%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Apple Inc
    2.81%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    2.11%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Amazon.com Inc
    1.53%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    1.28%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Broadcom Inc
    1.10%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    1.04%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.03%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    0.96%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tesla Inc
    0.81%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 15.80%

This breakdown covers the equity portion of your portfolio only.

The look‑through of ETF top‑10 holdings shows the biggest underlying positions are a handful of very large global companies, including major technology and consumer names. NVIDIA, Apple, Microsoft, Amazon, Alphabet, and others appear via the all‑world equity ETF, together making up a noticeable slice of the equity risk. Because coverage only includes ETF top‑10 lists, true overlap is almost certainly higher than shown, but there is already visible concentration in a few mega‑caps. This is common in global index funds, where the largest companies by market value naturally dominate. It means those giants have an outsized impact on short‑term portfolio swings despite the overall diversification.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 70.00%
    93.6%
  • iShares Physical Gold ETC
    Weight: 15.00%
    5.8%
  • Vanguard Global Aggregate Bond UCITS ETF GBP Hedged Accumulation
    Weight: 15.00%
    0.7%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the 70% global equity ETF contributes about 93.6% of total risk, meaning it dominates the portfolio’s behaviour. Gold, at 15%, adds roughly 5.8% of risk, while the 15% bond position contributes less than 1% of volatility. Put simply, almost all the movement you see in the portfolio comes from the equity fund. This is a textbook example of how a single growth‑oriented asset can overshadow more conservative holdings in risk terms, even when the weights look balanced.

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 efficient frontier analysis plots risk (volatility) versus expected return using only your three holdings in different mixes. The current portfolio has a Sharpe ratio of 0.69, a measure of return per unit of risk above the risk‑free rate. The “optimal” mix of the same holdings reaches a Sharpe of 1.24 with slightly higher volatility, and the minimum‑risk mix has a much lower return and Sharpe. The current allocation sits about 3.2 percentage points below the efficient frontier at its risk level, meaning there are theoretical weightings of these same three funds that would have offered better risk‑adjusted returns historically without changing the ingredients, only their proportions.

Ongoing product costs Info

  • iShares Physical Gold ETC 0.25%
  • Vanguard Global Aggregate Bond UCITS ETF GBP Hedged Accumulation 0.08%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Weighted costs total (per year) 0.18%

Overall costs are low, with a blended Total Expense Ratio (TER) of about 0.18% per year. TER is the ongoing fee charged by funds, taken out of the fund’s assets rather than billed separately. Global index ETFs and simple commodity products often sit in this low‑cost range, and this portfolio is very much in that camp. Over short periods, a few basis points either way don’t move the needle much, but over decades they compound. The costs are impressively low, supporting better long‑term performance by letting more of the portfolio’s gross returns stay in your account rather than going to fees.

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