This portfolio has only about 1.6 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Global equity blend with strong diversification across size and style factors over a short data window

Report created on May 18, 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 very straightforward two-fund mix: 80% in a broad global equity ETF and 20% in a global small-cap value ETF. So everything here is in shares rather than bonds or cash. Structurally, that means it behaves like a fully invested global stock portfolio, with a noticeable tilt toward smaller, cheaper companies via the second fund. Simplicity like this can make monitoring easier, because most of the behaviour is driven by just two moving parts. The trade-off is that risk levels are closely tied to global stock market ups and downs. With only about 1.6 years of data, any patterns seen in this structure should be treated as early indications, not firm long-term evidence.

Growth Info

Over the 1.6-year window, €1,000 grew to about €1,292, giving a compound annual growth rate (CAGR) of 17.19%. CAGR is like average speed on a road trip: it smooths all the bumps into a single yearly growth figure. Over this short period, the return was slightly ahead of both the US market and global equity benchmarks. The portfolio also saw a maximum drawdown of -21.40%, meaning the largest peak-to-trough drop was just over one‑fifth. That’s typical equity-level volatility. However, this history covers only a brief and specific market environment, so it’s not enough to claim this return or relative outperformance as a durable long-term pattern.

Projection Info

The Monte Carlo projection takes the limited return and volatility data and simulates 1,000 alternate futures for the next 15 years. It does this by “reshuffling” return patterns that look statistically similar to what has been observed, to estimate a range of possible outcomes rather than a single forecast. In these simulations, the median ending value for €1,000 is around €2,734, with a wide possible band from about €1,005 to €7,424. That range shows how uncertain long-term equity outcomes can be. Because the starting dataset is only 1.6 years, these simulations are more fragile than usual, so they’re best viewed as rough illustrations of risk and variability rather than precise guidance.

Asset classes Info

  • Stocks
    100%

All of this portfolio is invested in stocks, with no bonds, cash, or alternative assets in the mix. An asset class is simply a broad category like shares, bonds, or property that tends to behave differently through market cycles. Being 100% in equities concentrates both growth potential and short‑term volatility in a single asset class. Compared with many diversified mixes that include bonds, this setup naturally scores higher on risk and lower on built‑in cushioning during downturns. On the positive side, the exposure is spread globally across thousands of companies, which gives diversification within equities themselves. Still, the single-asset-class focus means overall portfolio behaviour will be strongly linked to the global stock market’s fortunes.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    7%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio is broadly spread: technology is the largest slice at 23%, followed by financials at 18%, then industrials, consumer discretionary, health care, telecoms, energy, staples, materials, utilities, and real estate in smaller portions. This pattern looks similar to mainstream global equity benchmarks, which is a good sign for sector diversification. Tech being the largest sector is common today and often brings higher growth but also sensitivity to interest rate changes and sentiment around innovation. The presence of meaningful weights in more cyclical and defensive sectors helps balance this, so returns are not driven by a single industry theme. Over just 1.6 years, though, sector behaviour may not show its full cycle.

Regions Info

  • North America
    66%
  • Europe Developed
    14%
  • Japan
    7%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is clearly tilted toward North America at 66%, with Europe Developed at 14%, Japan at 7%, and the rest spread across other developed and emerging regions. This US‑heavy pattern is broadly in line with global stock market weights, as North America currently makes up a large share of world equity value. That alignment is positive for diversification because it mirrors how global markets are actually distributed. The remaining allocations give some exposure to different economic cycles and currencies, which can reduce reliance on a single region over time. With the short performance window, it’s hard to judge how these regional mixes behave across full booms and recessions, but structurally the spread looks well-balanced.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    28%
  • Mid-cap
    17%
  • Small-cap
    10%
  • Micro-cap
    7%

By market capitalization, the portfolio holds a wide range: 38% in mega‑caps, 28% in large‑caps, 17% in mid‑caps, 10% in small‑caps, and 7% in micro‑caps. Market cap just means the total value of a company’s shares, and it often shapes risk and return patterns. Big companies tend to move more steadily, while smaller ones can be more volatile but sometimes offer higher growth or stronger value characteristics. Compared with a standard global index, this mix has a clear tilt toward smaller firms, thanks to the small‑cap value ETF. That creates additional diversification within equities themselves, as small and large companies often react differently to economic news. Again, with limited history, long‑term small‑cap behaviour here can’t yet be firmly assessed.

True holdings Info

  • NVIDIA Corporation
    3.58%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Apple Inc
    3.21%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    2.41%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Amazon.com Inc
    1.75%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    1.47%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Broadcom Inc
    1.25%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    1.19%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.17%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    1.10%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tesla Inc
    0.92%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 18.06%

Looking through to the top holdings of the ETFs, the largest visible positions are well‑known global giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, TSMC, Meta, and Tesla. Each of these appears only via ETFs, not as direct single‑stock positions. Collectively, they add up to a noticeable but not extreme slice of the portfolio. Because only ETF top‑10s are used, overlap is likely understated, but it’s clear that big global tech and communication names contribute meaningfully. This sort of overlap is normal for global index funds and tends to mirror global market leadership. It does, however, mean part of the portfolio’s behaviour is tied to a relatively small group of influential mega‑cap companies.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 80.00%
    78.2%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 20.00%
    21.8%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which isn’t always the same as its weight. Here, the broad Vanguard ETF is 80% of assets and contributes about 78.2% of total risk, while the 20% small‑cap value fund contributes 21.8% of risk. That means the smaller, more specialized fund punches slightly above its weight in terms of volatility, which fits its small‑cap value profile. The good news is that risk contribution is still broadly in line with position sizes, so there’s no single holding dominating risk in an extreme way. With such a short lookback period, though, these risk splits could shift as markets go through different phases.

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 compares the current mix with alternative weightings of the same two funds. It shows the portfolio sitting on or very close to the efficient frontier, meaning for its current level of risk, the return profile looks broadly efficient. The Sharpe ratio — a measure of risk‑adjusted return that compares excess return to volatility — is 0.87 for the current portfolio, while the optimal mix reaches 1.08 and the minimum‑variance mix 1.05. The differences are modest, suggesting the existing allocation already balances return and risk reasonably well. Because this optimisation is based on a short 1.6‑year window, these Sharpe ratios and “optimal” mixes should be seen as provisional, not as a lasting blueprint.

Ongoing product costs Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR 0.39%
  • Weighted costs total (per year) 0.23%

The total ongoing cost (TER) of the portfolio is around 0.23% per year, combining 0.19% for the global fund and 0.39% for the small‑cap value fund. The TER is like a built‑in annual service fee charged by the funds, taken directly from returns. This overall level is impressively low, especially given the more specialised small‑cap value exposure, and helps more of the portfolio’s gross performance show up in your net results. Over long periods, even small cost differences can compound into large sums, so keeping expenses modest is a structural strength here. As always, these fees don’t guarantee any particular outcome, but they provide a cost‑efficient base for whatever the markets deliver.

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