Strong growth focused portfolio with heavy technology tilt and globally diversified satellite holdings
Report created on Mar 23, 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.
Positions
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QD iShares S&P 500 USD Information Technology Sector UCITS
QDVE - IE00B3WJKG14 60.00% -
EU iShares Core MSCI Europe UCITS ETF EUR (Acc)
EUNK - IE00B4K48X80 10.00% -
EU iShares Core MSCI World UCITS ETF USD (Acc) EUR
EUNL - IE00B4L5Y983 10.00% -
IS iShares Core MSCI Emerging Markets IMI UCITS
IS3N - IE00BKM4GZ66 10.00% -
IU iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
IUSN - IE00BF4RFH31 10.00%
The portfolio is almost entirely driven by one building block: a technology-focused ETF at 60%, surrounded by four broad global and regional equity ETFs at 10% each. So you’ve got a classic “core-satellite” structure, but with the satellite tech fund actually dominating the core. This matters because your overall behaviour will be shaped far more by that single tech allocation than by the diversified funds. A useful takeaway is to be very intentional about that 60% weight: if the goal is aggressive, growth-first exposure, this fits; if smoother behaviour is preferred, trimming the flagship tech position could meaningfully change the ride.
Growth
Over 2018–2026, €1,000 grew to about €3,889, giving a compound annual growth rate (CAGR) of 19.15%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. That’s far above the global market’s 11.22% (ending at €2,332) and roughly in line with the US market’s 19.72%. The portfolio’s max drawdown of -32.63% was similar to the global market’s -33.60% but far worse than the US market’s shallow -5.48%, highlighting real downside swings. The message: returns have been excellent and comparable to a roaring US market, but with deep temporary losses that an investor must be mentally and financially prepared to withstand.
Projection
The Monte Carlo projection uses the portfolio’s past return and volatility patterns to simulate many possible 10‑year paths for €1,000, like running thousands of “what if” market histories. Median results suggest around +360% total return, while even the weak 5th percentile still shows +54.3%, and 990 out of 1,000 scenarios end positive. The average simulated annual return of 13.13% is lower than historical 19.15%, building in some caution. Still, these are models, not promises: markets rarely repeat the past so neatly. The main takeaway is that over a decade, outcomes skew strongly positive but come with wide dispersion, especially for a growth-heavy, equity-only setup.
Asset classes
- Stocks 100%
Asset class exposure is very straightforward: 100% global equities, no bonds, cash, or alternatives. That’s perfectly aligned with a growth profile: equities historically provide higher long-term returns than safer assets, but also bigger swings, particularly in sharp market drops. Compared with a typical balanced portfolio that mixes stocks and bonds, this is clearly more aggressive and will likely fall more in bear markets. The benefit is simplicity and long-term growth potential; the trade-off is no built-in cushion from defensive assets. A useful angle is to decide whether you want to keep all defensive capacity outside this portfolio (e.g., savings accounts) or eventually integrate some within it.
Sectors
- Technology 68%
- Financials 7%
- Industrials 6%
- Consumer Discretionary 4%
- Health Care 4%
- Telecommunications 3%
- Basic Materials 2%
- Consumer Staples 2%
- Energy 2%
- Real Estate 1%
- Utilities 1%
Sector exposure is dominated by technology at 68%, with the rest spread modestly across financials, industrials, consumer, healthcare, communications, and a thin slice of others. A typical broad global index has much lower tech weight, so this is a pronounced overweight. That tech tilt has been a huge tailwind during the recent boom but can also mean sharper drawdowns if interest rates rise or growth expectations cool. The other sectors provide some diversification but won’t fully offset major tech corrections. The key takeaway: this is effectively a sector-tilted portfolio where tech cycles will strongly shape performance, so comfort with that cyclicality is essential.
Regions
- North America 74%
- Europe Developed 13%
- Asia Developed 4%
- Asia Emerging 4%
- Japan 2%
- Africa/Middle East 1%
- Latin America 1%
- Australasia 1%
Geographically, about 74% is in North America, with 13% in developed Europe, and the rest spread thinly across developed and emerging Asia, Japan, and smaller regions. This is more US‑tilted than a typical global index, which already leans heavily toward the US. That overweight has been very rewarding in recent years because US large-cap tech has led global markets. However, it also means outcomes are tightly linked to how the US and especially its tech sector perform. On the positive side, the presence of Europe, emerging markets, and smaller regions adds some diversification and exposure to different economic cycles, even if they’re clearly secondary in influence.
Market capitalization
- Mega-cap 57%
- Large-cap 25%
- Mid-cap 11%
- Small-cap 5%
- Micro-cap 1%
Market-cap exposure is heavily skewed to the largest companies: 57% mega-cap and 25% big-cap, with just 17% combined in mid, small, and micro caps. This is actually fairly close to what broad global indices look like, just with an extra tech tilt layered on top. Large firms tend to be more stable and widely covered, which can reduce idiosyncratic risk compared with smaller, more volatile names. The 10% allocation to a small-cap ETF still introduces some extra growth and diversification, as small caps can behave differently across cycles. Overall, this size mix is well-balanced for a growth-oriented investor who doesn’t want extreme small-cap swings.
True holdings
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NV NVIDIA Corporation 14.05%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- iShares S&P 500 USD Information Technology Sector UCITS
-
AA Apple Inc 11.56%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- iShares S&P 500 USD Information Technology Sector UCITS
-
MS Microsoft Corporation 9.81%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- iShares S&P 500 USD Information Technology Sector UCITS
-
AV Broadcom Inc 5.07%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- iShares S&P 500 USD Information Technology Sector UCITS
-
MU Micron Technology Inc 1.51%
Part of fund(s):- iShares S&P 500 USD Information Technology Sector UCITS
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.16%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
-
AM Advanced Micro Devices Inc 1.06%
Part of fund(s):- iShares S&P 500 USD Information Technology Sector UCITS
-
PL Palantir Technologies Inc. 1.02%
Part of fund(s):- iShares S&P 500 USD Information Technology Sector UCITS
-
CS Cisco Systems Inc 1.02%
Part of fund(s):- iShares S&P 500 USD Information Technology Sector UCITS
-
AM Applied Materials Inc 0.96%
Part of fund(s):- iShares S&P 500 USD Information Technology Sector UCITS
- Top 10 total 47.22%
Looking through the ETFs, there is a strong hidden concentration in a handful of mega-cap tech names: NVIDIA (~14%), Apple (~12%), Microsoft (~10%), and Broadcom (~5%) dominate the top exposures. Overlap happens because the tech sector ETF and global ETFs all buy the same giants, amplifying their combined impact. This is relevant because a few companies can end up driving a big share of your gains and losses, even though everything is held via diversified funds. A practical takeaway is to recognise this concentration as a deliberate bet on leading tech firms and consider whether that level of single-company influence fits your comfort level.
Factors
Factor exposure shows dominant tilts to yield, momentum, and size, though coverage is only partial, so signals are approximate. Factors are like underlying “personality traits” of stocks—such as cheapness (value), recent winners (momentum), or low volatility—that research links to returns. Strong momentum exposure means the portfolio tends to ride recent winners, which can boost returns in trending bull markets but hurt during sharp reversals. The size factor tilt suggests some emphasis on smaller companies versus a purely mega-cap index, adding both opportunity and volatility. With only partial data, these signals aren’t precise, but they do hint that the portfolio behaves like a growthy, trend-following mix rather than a defensive, income-focused one.
Risk contribution
-
iShares S&P 500 USD Information Technology Sector UCITS
Weight: 60.00% 70.1% -
iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
Weight: 10.00% 8.1% -
iShares Core MSCI World UCITS ETF USD (Acc) EUR
Weight: 10.00% 7.9% -
iShares Core MSCI Emerging Markets IMI UCITS
Weight: 10.00% 7.3% -
iShares Core MSCI Europe UCITS ETF EUR (Acc)
Weight: 10.00% 6.6%
Risk contribution shows how much each holding adds to overall volatility, which can differ from its weight—like one loud instrument dominating an orchestra. The tech sector ETF is 60% of the portfolio but contributes about 70% of total risk, a risk-to-weight ratio above 1. That’s a clear signal of concentrated risk in one building block. The other four ETFs each sit at 10% weight but contribute only 6–8% of risk each, so they are relatively stabilising satellites. With the top three holdings by risk accounting for over 86% of volatility, any shift in that tech ETF’s weight would meaningfully change the portfolio’s overall behaviour.
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.
On the risk–return chart, your current portfolio sits on the efficient frontier, meaning that for its particular mix of holdings, the weights are already efficient: you’re not leaving obvious risk-adjusted return on the table. However, it isn’t at the optimal Sharpe point. The “optimal” version would take slightly more risk (22.88% vs 19.16% volatility) for a meaningfully higher expected return (23.29% vs 17.88%). The minimum-variance portfolio would dial down risk but also cut expected return. Since you’re already on the frontier, any change is about preference, not fixing inefficiency: you’d be choosing between more aggression, more defensiveness, or sticking with the current balanced growth stance.
Ongoing product costs
- iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
- 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%
- iShares S&P 500 USD Information Technology Sector UCITS 0.15%
- Weighted costs total (per year) 0.18%
The average ongoing cost (TER) of about 0.18% is impressively low for a multi-ETF portfolio. TER is like the annual “membership fee” for each fund, quietly deducted inside the ETF. Keeping costs down is powerful because those small percentages compound over decades just like returns do. Here, using broad, low-cost index funds helps ensure that more of the portfolio’s growth flows to you rather than to fees. This aligns very well with best practices in long-term investing. From a cost perspective, there’s little low-hanging fruit left to improve; the focus can instead be on risk, diversification, and staying disciplined.
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