Globally diversified stock heavy portfolio with strong growth tilt and efficient low cost structure

Report created on Apr 12, 2026

Risk 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.

Positions

The structure is dominated by a single global equity ETF at 77%, supported by a 10% home-market tilt and a handful of small “satellite” positions in themes, gold, cash-like exposure, and regional funds. This makes it essentially a one-core, many-small-satellites portfolio. That’s relevant because overall behaviour is driven mainly by the big core, while the tiny positions add flavour rather than changing the main risk profile. The mix is simple, growth-focused and easy to monitor. A key takeaway is that any strategic change in risk or diversification will mainly come from adjusting the large core and 10% satellite, not by tinkering with the 1% “fun” slices.

Growth Info

Over the last three years, £1,000 grew to about £1,628, with a compound annual growth rate (CAGR) of 17.72%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. That’s ahead of both the US and global market benchmarks, which is a strong result. The maximum drawdown of about -19% was slightly milder than the US market and close to the global market, meaning the ride down was not unusually harsh for the return achieved. This alignment with broad markets, while modestly outperforming, suggests the portfolio is taking sensible equity risk rather than chasing extreme bets. Past performance still can’t guarantee similar future returns.

Projection Info

The Monte Carlo projection runs 1,000 simulated 15‑year paths using past behaviour to estimate a range of possible outcomes. Think of it as re‑rolling history with small random twists to see many different futures, all based on the same underlying risk/return profile. The median outcome turns £1,000 into about £2,719, with a wide “likely range” from roughly £1,800 to £4,050, and extremes from near breakeven to very strong growth. The average simulated annual return is around 8%. This shows that even with a broadly diversified equity portfolio, long‑term outcomes can vary a lot, so planning needs to allow for both weaker and stronger scenarios than the central case.

Asset classes Info

  • Stocks
    98%
  • Other
    1%
  • No data
    1%

Asset allocation is overwhelmingly in stocks at 98%, with only 1% in “other” and 1% with no data. That makes this essentially a pure equity portfolio, with minimal ballast from traditionally steadier assets like bonds or cash-like holdings. For long horizons, high equity weight can support growth, but it usually means bigger swings in value along the way and deeper temporary losses during bear markets. Relative to typical cautious or balanced allocations, this is much more growth-oriented. A sensible takeaway is that this structure best fits someone mentally and financially prepared to sit through equity-level volatility in exchange for higher expected long-term returns.

Sectors Info

  • Technology
    24%
  • Financials
    17%
  • Industrials
    12%
  • Health Care
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is tech-heavy at 24%, with financials (17%) and industrials (12%) as the next largest, then a spread across health care, consumer areas, telecoms, materials, energy, utilities, and real estate. This pattern is broadly in line with global equity benchmarks, which is a strong indicator of sensible diversification. The sizeable technology and communication-related slice will likely make returns more sensitive to interest rates and innovation cycles, while solid weights in financials and defensives like consumer staples and health care help balance that out. A key positive here is that the sector mix isn’t lopsided in niche areas; it looks much like the global economy, which reduces the risk of being blindsided by one industry-specific shock.

Regions Info

  • North America
    51%
  • Europe Developed
    23%
  • Asia Developed
    8%
  • Asia Emerging
    6%
  • Japan
    5%
  • Africa/Middle East
    2%
  • Australasia
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, around half the exposure is in North America, with roughly a quarter in developed Europe and the rest scattered across developed Asia, Japan, emerging Asia, and smaller regions. This is quite close to common global market allocations, which is beneficial because it spreads risk across multiple economies and currencies rather than tying everything to one region. There is a clear home bias to the UK via the FTSE 100 positions, but it’s modest relative to the strong global core. This broad geographic reach helps smooth country-specific shocks and reduces reliance on any single government, monetary policy, or growth engine. Overall, the regional mix is a real strength.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market-cap breakdown shows a strong tilt to mega-caps at 48% and large-caps at 33%, with more modest exposure to mid-caps (16%) and very little to small-caps (1%). Larger companies tend to be more stable, established businesses, often with better liquidity and more analyst coverage, so their prices can be less jumpy than tiny names. On the flip side, small and mid-sized firms sometimes offer higher growth potential but with bumpier rides. This allocation leans into the “blue-chip” end of markets, matching global indices quite closely. The takeaway is that most risk and return here will be driven by big, mature companies rather than speculative smaller firms, which fits a measured growth style.

True holdings Info

  • NVIDIA Corporation
    3.44%
    Part of fund(s):
    • Multi Units Luxembourg - Amundi Smart Overnight Return GBP Hedged UCITS ETF Acc
    • VanEck Semiconductor UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Apple Inc
    3.10%
    Part of fund(s):
    • Multi Units Luxembourg - Amundi Smart Overnight Return GBP Hedged UCITS ETF Acc
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Microsoft Corporation
    2.36%
    Part of fund(s):
    • Multi Units Luxembourg - Amundi Smart Overnight Return GBP Hedged UCITS ETF Acc
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.80%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Amazon.com Inc
    1.64%
    Part of fund(s):
    • Multi Units Luxembourg - Amundi Smart Overnight Return GBP Hedged UCITS ETF Acc
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class A
    1.47%
    Part of fund(s):
    • Multi Units Luxembourg - Amundi Smart Overnight Return GBP Hedged UCITS ETF Acc
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Broadcom Inc
    1.30%
    Part of fund(s):
    • Multi Units Luxembourg - Amundi Smart Overnight Return GBP Hedged UCITS ETF Acc
    • VanEck Semiconductor UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class C
    1.20%
    Part of fund(s):
    • Multi Units Luxembourg - Amundi Smart Overnight Return GBP Hedged UCITS ETF Acc
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Meta Platforms Inc.
    1.12%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • HSBC Holdings PLC
    0.99%
    Part of fund(s):
    • Vanguard FTSE 100 UCITS GBP Acc
    • iShares Core FTSE 100 UCITS ETF GBP (Dist)
  • Top 10 total 18.44%

Looking through the ETFs, the biggest underlying exposures are familiar global giants like NVIDIA, Apple, Microsoft, TSMC, Amazon, Alphabet, and Meta. These names appear across multiple funds, creating hidden concentration even though each ETF looks diversified on its own. Overlap is probably higher than shown because only top-10 holdings are captured. This matters because those mega-caps can strongly influence how the portfolio moves, especially during tech-led rallies or selloffs. The presence of both Alphabet share classes and large chip makers highlights a particular reliance on big technology and communication names. The main takeaway is that diversification across funds doesn’t fully remove concentration in a handful of global leaders.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 77.00%
    81.1%
  • Vanguard FTSE 100 UCITS GBP Acc
    Weight: 10.00%
    6.9%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 5.00%
    4.5%
  • VanEck Semiconductor UCITS ETF
    Weight: 1.00%
    1.9%
  • VanEck Space Innovators UCITS ETF
    Weight: 1.00%
    1.6%
  • Top 5 risk contribution 95.9%

Risk contribution shows how much each position adds to the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the 77% global ETF contributes about 81% of total risk, while the 10% UK fund contributes only around 7%. The top three holdings together drive over 92% of risk, so almost everything is tied to that core trio. Interestingly, some small thematic ETFs, like semiconductors and space, have risk contributions well above their tiny 1% weights because they’re more volatile, like loud instruments in an otherwise calm orchestra. A clear takeaway is that tweaking the main core will change portfolio behaviour far more than adjusting the small themed slices.

Redundant positions Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Vanguard FTSE All-World UCITS ETF USD Accumulation
    High correlation
  • iShares Core FTSE 100 UCITS ETF GBP (Dist)
    Vanguard FTSE 100 UCITS GBP Acc
    High correlation

Correlation describes how closely different investments move together. Values near +1 mean they often go up and down at the same time, limiting diversification. Here, the MSCI World ETF is highly correlated with the FTSE All-World ETF, and the two FTSE 100 funds also move almost identically. That’s expected, because they track very similar baskets. It does mean, though, that holding both versions of the same exposure adds complexity without bringing much extra diversification. On the upside, the overall portfolio still benefits from mixing global stocks, UK stocks, emerging markets, gold, and cash-like holdings, which should not all move in lockstep. Understanding these relationships helps avoid thinking you are more diversified than you really are.

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 shows the current portfolio with a Sharpe ratio of 1.07, while portfolios on the efficient frontier achieve much higher Sharpe values at lower risk using the same ingredients. The Sharpe ratio measures return earned per unit of risk, like miles per litre of fuel. Being 13 percentage points below the frontier at this risk level means the present mix isn’t using its holdings as efficiently as possible. In plain terms, reweighting toward a less volatile blend of the existing ETFs could improve risk-adjusted returns without adding new products. Still, the absolute historical return has been strong, so this is more about fine-tuning the balance than fixing something broken.

Ongoing product costs Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Multi Units Luxembourg - Amundi Smart Overnight Return GBP Hedged UCITS ETF Acc 0.10%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares Core FTSE 100 UCITS ETF GBP (Dist) 0.20%
  • VanEck Semiconductor UCITS ETF 0.35%
  • Vanguard FTSE 100 UCITS GBP Acc 0.09%
  • Weighted costs total (per year) 0.17%

Total ongoing charges sit at about 0.17% per year, which is impressively low for a portfolio with this level of global reach and thematic add-ons. TER, or Total Expense Ratio, is like a small annual membership fee the funds charge for running the strategy. Keeping this fee low is powerful because every pound not spent on costs stays invested and can compound over time. Here, the biggest positions are all low-cost core ETFs, while the slightly pricier thematic funds are tiny slices, so they don’t drag overall costs much. This cost profile is a real strength and supports better long-term outcomes compared with higher-fee setups.

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