Globally diversified all equity portfolio with low costs and strong risk adjusted efficiency
Report created on Mar 30, 2026Risk 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.
What type of investor this portfolio is suitable for
Balanced Investors
A portfolio like this generally fits an investor who is growth-focused, comfortable with equity market swings, and thinking in decades rather than years. Risk tolerance needs to be moderate to high, with acceptance that values can drop 30% or more in a crash without triggering panic selling. Typical goals might include building retirement wealth, long-term financial independence, or funding major future expenses far down the road. Someone who appreciates simplicity, trusts global diversification, and prefers low-cost, rules-based investing over stock picking would likely feel at home here. A shorter time horizon, or a strong need for stable capital and income, would usually call for a different, more defensive asset mix.
Positions
-
EU iShares Core MSCI World UCITS ETF USD (Acc) EUR
EUNL - IE00B4L5Y983 75.00% -
IS iShares Core MSCI Emerging Markets IMI UCITS
IS3N - IE00BKM4GZ66 15.00% -
IU iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
IUSN - IE00BF4RFH31 10.00%
The portfolio is a very clean three-fund, 100% equity setup: a global developed markets core at 75%, a broad emerging markets sleeve at 15%, and global small caps at 10%. That structure delivers exposure to thousands of companies worldwide in a simple way, with no single fund dominating risk beyond its size. A pure equity mix like this is growth-oriented and can swing meaningfully in market crashes. For someone comfortable with ups and downs, this is a straightforward, institution-style design: one global core, one emerging booster, one small-cap diversifier. The key takeaway is that complexity is low while global reach is high, which is a solid foundation.
Growth
Historically, €1,000 grew to about €2,258 over the period, implying a compound annual growth rate (CAGR) of 10.74%. CAGR is like your yearly “cruise speed” over the whole journey, smoothing out bumps. This trailed the US market reference, which was unusually strong, but was close to the global market’s 11.57% CAGR. Max drawdown, the worst peak‑to‑trough loss, was about -34%, very similar to both benchmarks, showing equity‑like downside but no excessive extra pain. The message: returns have been robust, slightly below global market but with very comparable risk. As always, past performance is not a promise for the future, especially given how exceptional recent US returns have been.
Asset classes
- Stocks 100%
Asset-class-wise, the allocation is 100% stocks, with no bonds, cash, or alternatives. That’s a clear growth posture: over long periods, equities have historically outperformed safer classes, but with much sharper drawdowns and more emotional stress during crises. Many broad benchmarks mix in bonds to smooth the ride, whereas this approach fully embraces equity risk. For an investor able to ignore volatility and focus on decades, that can be very effective. For shorter horizons or lower risk tolerance, adding even a small stabilizing asset class could materially reduce swings. The positive here: the equity slice itself is very diversified, so risk comes from the market overall, not from a few exotic assets.
Sectors
- Technology 26%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is well-spread, with technology the largest at 26%, followed by financials, industrials, and consumer areas. This tech tilt is slightly heavier than many global benchmarks, reflecting how large global tech firms have grown, but it doesn’t look extreme or one‑sided. Tech-heavy portfolios can shine in growth cycles and digitalization trends, but they may be more sensitive when interest rates rise or when markets rotate toward more cyclical or defensive sectors. The remaining sectors—from health care to energy and utilities—provide balance and exposure to different economic drivers. Overall, the sector mix aligns closely with global standards, which is a strong indicator of broad diversification across business types.
Regions
- North America 63%
- Europe Developed 14%
- Asia Developed 7%
- Asia Emerging 6%
- Japan 6%
- Africa/Middle East 2%
- Australasia 2%
- Latin America 1%
Geographically, the portfolio leans strongly on North America at 63%, with meaningful allocations to developed Europe, Japan, and both developed and emerging Asia. This North American tilt is very similar to global equity benchmarks, which are dominated by that region’s market size and large listed companies. The presence of emerging markets and smaller exposures to Africa/Middle East and Latin America adds growth potential and diversification from different economic cycles and currencies. The main implication: results will be quite tied to how the North American market, and especially its big corporates, perform, but there is still substantial global participation. This alignment with global weights is positive for keeping country and currency bets modest rather than extreme.
Market capitalization
- Mega-cap 44%
- Large-cap 31%
- Mid-cap 18%
- Small-cap 6%
- Micro-cap 1%
By market cap, the mix is anchored by mega- and large-cap stocks, together about three‑quarters of exposure, with mid- and small-caps filling in the rest. That’s close to how the global market itself is structured, but the explicit 10% small-cap ETF and 6–7% small-cap look-through tilt give an extra dose of smaller companies. Smaller caps can offer higher long-term growth potential and diversification, but they also tend to be more volatile and sensitive to credit and economic cycles. This size blend is healthy: big names provide stability and liquidity, while smaller companies add dynamism. The current balance keeps the portfolio recognizably “market-like” without being dominated purely by mega-caps.
True holdings
-
NV NVIDIA Corporation 3.78%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AA Apple Inc 3.41%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
MS Microsoft Corporation 2.44%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AM Amazon.com Inc 1.78%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.74%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
-
GO Alphabet Inc Class A 1.59%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class C 1.33%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AV Broadcom Inc 1.26%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
ME Meta Platforms Inc. 1.24%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
TS Tesla Inc 1.00%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- Top 10 total 19.58%
The look-through shows familiar mega-cap names—NVIDIA, Apple, Microsoft, Amazon, and others—showing up across ETFs, together making a noticeable slice of exposure. Because these companies appear in multiple index funds, there is hidden concentration in the global tech and mega-cap franchise space, even though there is no single-stock position. This is normal for market-cap-weighted global portfolios but still useful to know. Overlap is likely understated because only ETF top 10s are captured, so true concentration is a bit higher. The implication: if those giants do very well or very poorly, the portfolio will feel it more than a simple name count might suggest.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
On factor exposure, the standout features are high value and very high low-volatility tilts. Factor exposure describes how much a portfolio leans into traits like “cheap vs. expensive” (value) or “stable vs. jumpy” (low-vol). A strong value tilt means more weight toward stocks with lower prices relative to fundamentals, which can lag in growth-driven markets but often shine when sentiment normalizes. The very high low-volatility tilt suggests lots of exposure to historically steadier names; these can cushion drawdowns somewhat but may lag in euphoric bull runs. Size, momentum, quality, and yield are roughly neutral to mildly low, so they aren’t driving behavior. Overall, the factor mix may help smooth the ride a bit relative to a pure high‑beta growth portfolio, especially in choppy markets.
Risk contribution
-
iShares Core MSCI World UCITS ETF USD (Acc) EUR
Weight: 75.00% 74.7% -
iShares Core MSCI Emerging Markets IMI UCITS
Weight: 15.00% 14.5% -
iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
Weight: 10.00% 10.8%
Risk contribution shows how much each holding drives overall ups and downs, which can differ from simple weights. Here, the global developed ETF contributes about 75% of risk, very close to its 75% weight, while emerging markets sit around 15% risk for 15% weight, and small caps around 11% risk for 10% weight. That 1.08 ratio for small caps hints they are slightly riskier per euro invested, which makes sense given their nature, but there is no glaring mismatch. This alignment means position sizing is coherent: nothing tiny is secretly dominating volatility. If desired, dialing up or down EM or small caps would be a straightforward way to fine‑tune total risk without disrupting the basic structure.
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.
Sharpe ratios in this chart use the active CMA risk-free rate of 2.00% annualized.
Click on the colored dots to explore allocations.
On the risk–return chart, the portfolio sits essentially on the efficient frontier. The efficient frontier represents the best achievable return for each risk level using just the existing holdings but with different weightings. The current Sharpe ratio of 0.59 is a bit below the maximum Sharpe of 0.72, but the risk and return numbers are very close, and the minimum-variance portfolio is also similar. Sharpe ratio, in simple terms, is “return per unit of risk.” Being near the frontier means the allocation is already highly efficient: you’re getting a fair trade-off of return for the volatility taken. Any further optimization would be fine-tuning, not fixing a big inefficiency, which is a strong sign of good design.
Ongoing product costs
- iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
- iShares Core MSCI Emerging Markets IMI UCITS 0.18%
- iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
- Weighted costs total (per year) 0.21%
Total ongoing fund costs, measured by TER (Total Expense Ratio), average just 0.21%, which is impressively low. TER is like an annual service fee deducted inside the fund; keeping it small means more of the portfolio’s return stays in your pocket. Over decades, even a 0.3–0.5 percentage point difference can compound into a significant amount. These levels are in line with best-in-class passive index solutions globally. This alignment with low‑cost best practices is a major strength of the portfolio. It supports the overall strategy: broad diversification, long holding periods, and minimal drag from fees, which all stack the odds in favor of better long-term net outcomes.
What next?
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey