Globally diversified equity portfolio with strong tech tilt and efficient risk return balance

Report created on May 23, 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 built from just three broad equity ETFs, with 60% in a global all‑world fund and 20% each in a US large‑cap fund and an emerging‑markets fund. So everything here is in stocks, but spread across many countries and thousands of individual companies through those ETFs. Structurally, that means diversification comes from owning the whole market rather than picking winners. Using a global fund as the core is very aligned with common index‑investing approaches, and topping it up with targeted US and emerging‑markets exposure slightly shifts the balance versus a single‑fund setup. The simplicity of three holdings also makes it easy to understand how the pieces fit together.

Growth Info

Over the period from November 2023 to May 2026, a €1,000 hypothetical investment grew to about €1,670. That translates into a compound annual growth rate (CAGR) of 22.15%, which is the “average speed” of growth per year, similar to averaging your pace over a long journey. This slightly beat both the US market and the global market benchmarks used here. The portfolio’s maximum drawdown was about -21%, meaning the largest peak‑to‑trough drop over the period, which is typical for an all‑equity mix. It’s also notable that just 22 days made up 90% of total returns, underlining how a few strong days can drive long‑term results.

Projection Info

The Monte Carlo projection uses many simulated paths, based on historical patterns, to show a range of possible 15‑year outcomes for €1,000 invested. Think of it as running the market thousands of times with slightly different dice rolls to see what could happen. The median result lands around €2,789, with a fairly wide “likely” band between about €1,833 and €4,325. The broad 5%–95% range is even wider, reflecting that stock markets can surprise in both directions. The average simulated annual return of 8.24% sits well below the recent historical CAGR, reminding that strong recent years do not automatically persist into the future.

Asset classes Info

  • Stocks
    100%

All of this portfolio is invested in stocks, with no bonds or other asset classes in the mix. That’s straightforward but important: returns and risk are both driven entirely by equity markets. Compared with common diversified benchmarks that combine stocks and bonds, this is more growth‑oriented in structure, even though the underlying equity funds themselves are broad and diversified. The upside is full participation in global equity performance; the trade‑off is that there is no built‑in cushion from assets that historically behaved differently, like high‑quality bonds. So, the “balanced” label here comes from broad equity diversification, not from mixing different asset types.

Sectors Info

  • Technology
    32%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector‑wise, the portfolio has a clear lean toward technology at 32% of equity exposure, with financials, industrials, and consumer‑related areas making up most of the rest. This profile lines up with global equity benchmarks today, where tech and tech‑adjacent businesses naturally dominate due to their large market values. A heavier tech tilt often means higher sensitivity to changes in interest rates and investor sentiment about growth companies. On the positive side, the spread across other sectors like financials, healthcare, and consumer staples provides balance, so the portfolio isn’t dependent on a single type of business even though tech is a standout slice.

Regions Info

  • North America
    60%
  • Asia Developed
    13%
  • Asia Emerging
    10%
  • Europe Developed
    9%
  • Japan
    3%
  • Africa/Middle East
    2%
  • Latin America
    2%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, about 60% of the portfolio sits in North America, with the rest spread across developed and emerging regions in Asia, Europe, Japan, Latin America, and others. This is broadly in line with the makeup of the global stock market, where US and Canadian companies are a large share of total market value. The additional positions in emerging markets lift exposure to faster‑growing but often more volatile economies compared with a pure global‑market ETF alone. Overall, this global spread helps reduce the impact of any single country’s economy or politics, while still reflecting the reality that North American markets currently dominate in size.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    33%
  • Mid-cap
    15%
  • Small-cap
    1%

By market capitalization, the portfolio leans strongly toward mega‑cap and large‑cap companies, which together make up about 84%. Mid‑caps have a meaningful presence at 15%, while small‑caps sit at only around 1%. This pattern is typical for index‑based portfolios because the largest companies naturally take the biggest weights. Larger firms tend to be more established and often slightly less volatile than smaller ones, so this tilt usually smooths out some of the bumpiness seen in small‑cap‑heavy portfolios. The modest mid‑cap and small‑cap slice still adds some exposure to businesses that can behave differently from global giants over time.

True holdings Info

  • NVIDIA Corporation
    4.50%
    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
    3.70%
    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)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    3.46%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Microsoft Corporation
    2.71%
    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
    2.36%
    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 A
    2.06%
    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
    1.77%
    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
    1.70%
    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)
  • Meta Platforms Inc.
    1.24%
    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)
  • Samsung Electronics Co Ltd
    1.04%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Top 10 total 24.57%

Looking through the ETFs’ top holdings, many familiar global giants show up, such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Taiwan Semiconductor. These names appear via multiple funds, which creates “overlap” — the same company being held in more than one ETF. Overlap can quietly increase concentration because the combined exposure to a single company ends up higher than any one fund suggests. For example, NVIDIA alone accounts for about 4.5% of the portfolio’s covered portion. Since only ETF top‑10 positions are shown, actual overlap is likely greater, but even this partial view already highlights that a significant slice is tied to a handful of very large firms.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 60.00%
    59.2%
  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 20.00%
    20.6%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 20.00%
    20.2%

Risk contribution measures how much each holding adds to the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the global all‑world ETF is 60% of the allocation and contributes about 59% of the total risk, almost one‑for‑one. The S&P 500 and emerging‑markets funds are each 20% and contribute roughly 20% of risk each as well. That even match between weights and risk contributions shows that no single ETF is disproportionately amplifying volatility beyond its size. In other words, the portfolio’s risk is spread very much in line with how the money is allocated, which is consistent with using broad, diversified index funds.

Redundant positions Info

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

Correlation describes how closely assets move together, on a scale from -1 (opposite directions) to +1 (almost identical). Highly correlated holdings tend to rise and fall at the same time, which can limit diversification benefits during market stress. In this portfolio, the S&P 500 ETF and the global all‑world ETF are flagged as moving almost identically. That makes sense because the US market is a large part of the global index. The emerging‑markets ETF likely brings somewhat different behavior, but the strong link between the two largest positions means overall portfolio movements will be heavily driven by the same broad global equity cycle.

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‑vs‑return chart plots the current portfolio alongside an “optimal” and a minimum‑variance version using the same three holdings. The efficient frontier curve shows the best expected return for each level of risk with different weight mixes. Here, the current portfolio sits on or very close to that frontier, with a Sharpe ratio of 1.26 versus 1.50 at the maximum point. The Sharpe ratio is a way to compare risk‑adjusted returns, similar to asking how much return you’re getting per unit of volatility. Being on the frontier means that, given these three ETFs, the existing mix already uses them in a very efficient way for its chosen risk level.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.31%

The ongoing fund charges, or TER (Total Expense Ratio), average about 0.31% per year across the portfolio. TER is the annual fee taken by the fund manager, similar to a small service charge that’s built into the price. For a global equity mix using broad index funds, this sits in a competitive range, especially with the emerging‑markets ETF at 0.18%. Over long periods, keeping costs at this level helps more of the underlying market return stay in the portfolio rather than being lost to fees. That cost profile is a clear strength and supports the overall efficiency shown in the risk‑return analysis.

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