Globally diversified stock portfolio with strong momentum tilt and efficient but growth oriented risk profile
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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LY Amundi Stoxx Europe 600 UCITS ETF C EUR
LYP6 - LU0908500753 40.00% -
VN Vanguard FTSE North America UCITS ETF USD Accuimulation
VNRA - IE00BK5BQW10 40.00% -
IS iShares Core MSCI Emerging Markets IMI UCITS
IS3N - IE00BKM4GZ66 20.00%
The portfolio is very clean and simple: three stock ETFs, with 40% in broad Europe, 40% in broad North America, and 20% in emerging markets. That means 100% exposure to global equities, no bonds, and no cash buffer in the strategic mix. A concentrated lineup like this is easy to monitor and rebalance, and it keeps the “moving parts” to a minimum. The flip side is that there’s no built‑in cushion from safer assets, so fluctuations will closely track global stock markets. For someone who can handle ups and downs and focus on long‑term growth, this structure is very coherent and straightforward.
Growth
From mid‑2019 to March 2026, €1,000 grew to about €1,936, giving a compound annual growth rate (CAGR) of 11.15%. CAGR is the “per‑year” growth speed over the whole period, smoothing out volatility. That’s slightly ahead of the global market proxy and below the very strong US‑only benchmark, which has been unusually dominant in recent years. The maximum drawdown of about ‑34% is close to the global market’s worst fall, showing equity‑like downside is fully present. Only 22 days generated 90% of returns, which underlines how missing a few big days can hurt outcomes. Overall, this history shows solid growth with the normal equity bumps along the way.
Projection
The 10‑year Monte Carlo simulation takes the portfolio’s past return and volatility and then creates 1,000 random “what if” paths, a bit like rerunning history with the numbers shuffled. This helps visualise a range of possible future outcomes rather than a single forecast. The median result is a total gain of about 289%, while even the low 5th percentile still shows a positive 27.7% gain. An average simulated annual return of 11.47% lines up well with past results. Still, simulations rely on history repeating, which it never does exactly. They’re useful for framing expectations and risk, but not as a guarantee of what will actually happen.
Asset classes
- Stocks 100%
All of the money is in stocks, with no allocation to bonds, cash, or alternative assets. That makes the portfolio very growth‑oriented and explains why the risk classification is in the middle‑high range (4 out of 7), even though the holdings themselves are diversified. In classic asset allocation terms, this looks more like an “equity‑only core” than a blended stock‑bond mix. The diversification score of 4 out of 5 shows that within equities the spread is broad and aligns nicely with global market structure, which is a real strength. The key trade‑off is accepting higher short‑term volatility in exchange for higher long‑term growth potential.
Sectors
- Technology 22%
- Financials 19%
- Industrials 13%
- Health Care 10%
- Consumer Discretionary 9%
- Telecommunications 7%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is broad and close to what you’d see in a global equity benchmark, which is a big positive. Technology leads at 22%, followed by financials, industrials, healthcare, consumer cyclicals, and then a mix of defensive and cyclical areas like communication services, consumer staples, energy, materials, utilities, and real estate. This balance helps avoid big bets on any single economic theme. A higher technology share can mean stronger performance when innovation‑driven companies are in favour, but also bigger swings when interest rates rise or growth expectations wobble. Overall, the sector mix is well‑balanced and aligns closely with global standards, supporting robust diversification.
Regions
- North America 40%
- Europe Developed 39%
- Asia Developed 8%
- Asia Emerging 8%
- Africa/Middle East 2%
- Latin America 2%
- Europe Emerging 1%
Geographically, the portfolio is nicely spread across North America (40%), developed Europe (39%), developed Asia, emerging Asia, and smaller allocations to Africa, the Middle East, Latin America, and emerging Europe. This is very close to a global equity perspective, with only a mild tilt toward Europe relative to many “world” indexes. That European tilt may slightly reduce reliance on a single market while still capturing a big chunk of US and global growth. Global diversification like this helps reduce the impact of country‑specific shocks, such as policy changes or recessions in one region, since different economies and currencies often move on their own cycles.
Market capitalization
- Mega-cap 49%
- Large-cap 33%
- Mid-cap 16%
- Small-cap 1%
The market‑cap split is dominated by mega‑cap and large‑cap companies, with 49% in mega, 33% in big, 16% in medium, and only 1% in small caps. Large firms tend to be more stable, widely researched, and liquid, which can lower individual company risk and trading costs. The modest mid‑cap exposure adds some growth potential without dramatically increasing volatility. Very little in small caps means less exposure to the most volatile and locally sensitive names. This structure is typical for broad global ETFs and indicates a tilt toward established businesses rather than speculative plays, which fits well with a balanced, core‑equity approach.
True holdings
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NV NVIDIA Corporation 2.69%
Part of fund(s):- Vanguard FTSE North America UCITS ETF USD Accuimulation
-
AA Apple Inc 2.49%
Part of fund(s):- Vanguard FTSE North America UCITS ETF USD Accuimulation
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 2.32%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
-
MS Microsoft Corporation 1.89%
Part of fund(s):- Vanguard FTSE North America UCITS ETF USD Accuimulation
-
AS ASML Holding N.V. 1.45%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C EUR
-
AM Amazon.com Inc 1.30%
Part of fund(s):- Vanguard FTSE North America UCITS ETF USD Accuimulation
-
GO Alphabet Inc Class A 1.17%
Part of fund(s):- Vanguard FTSE North America UCITS ETF USD Accuimulation
-
00 Samsung Electronics Co Ltd 1.05%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
-
AV Broadcom Inc 0.96%
Part of fund(s):- Vanguard FTSE North America UCITS ETF USD Accuimulation
-
GO Alphabet Inc Class C 0.95%
Part of fund(s):- Vanguard FTSE North America UCITS ETF USD Accuimulation
- Top 10 total 16.28%
Looking through the ETFs’ top holdings, the biggest underlying exposures are familiar global giants like NVIDIA, Apple, TSMC, Microsoft, ASML, Amazon, Alphabet, Samsung, and Broadcom. Several of these appear in more than one ETF, creating some hidden concentration in large technology and communication names, even though you only hold broad funds. Because only top‑10 ETF holdings are used, the true overlap is probably a bit higher than shown. This isn’t necessarily bad: these companies have driven a lot of recent global returns. It does mean the portfolio will be sensitive to how a relatively small group of mega‑cap growth and tech‑linked firms perform in future.
Factors
Factor exposure data suggests a strong momentum tilt (59%) and a meaningful size tilt (20%), relative to a neutral market‑like baseline. Factor investing looks at traits like momentum, value, or quality that academic research links to returns, similar to identifying “ingredients” behind how stocks behave. A momentum tilt means holdings have recently performed well, which can boost returns in trending markets but can suffer when trends reverse sharply. The size signal indicates some lean toward smaller companies relative to mega‑caps, though your cap breakdown is still heavily large‑cap overall. With average factor signal coverage only 30%, these insights are directional rather than precise, but they confirm a growth‑and‑trend bias.
Risk contribution
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Vanguard FTSE North America UCITS ETF USD Accuimulation
Weight: 40.00% 40.7% -
Amundi Stoxx Europe 600 UCITS ETF C EUR
Weight: 40.00% 39.3% -
iShares Core MSCI Emerging Markets IMI UCITS
Weight: 20.00% 19.9%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, risk is almost perfectly proportional to allocations: North America contributes about 40.7% of risk, Europe 39.3%, and emerging markets 19.9%. A risk‑to‑weight ratio close to 1 for each ETF says there’s no single “hidden risk bomb” inside the mix. This is a very tidy structure: each block pulls its fair share of the risk. That makes any future tweaks simple to think about, since changing a weight will roughly change both exposure and risk in the same direction and scale.
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, the current mix sits right on the efficient frontier, which is excellent. The efficient frontier is the curve showing the best possible return for each risk level, using only the current holdings in different proportions. Your Sharpe ratio of 0.57 (return per unit of risk) is solid, but the “optimal” portfolio on the curve has a higher Sharpe of 0.74 with slightly higher risk and noticeably higher expected return. The minimum‑variance mix slightly lowers risk but also expected return. This means your allocation is already efficient, and any future tweaks would mainly be about choosing your preferred balance between a bit more risk or a bit more safety.
Ongoing product costs
- iShares Core MSCI Emerging Markets IMI UCITS 0.18%
- Amundi Stoxx Europe 600 UCITS ETF C EUR 0.07%
- Vanguard FTSE North America UCITS ETF USD Accuimulation 0.08%
- Weighted costs total (per year) 0.10%
The ongoing charges (TERs) are very low: 0.07% for Europe, 0.08% for North America, and 0.18% for emerging markets, giving a blended cost around 0.10%. That’s impressively low and a big structural advantage. Costs are like friction on an investment engine: every 0.1% saved each year compounds into a noticeable gain over decades. Many investors pay several times this level of fees without getting better diversification or performance. Keeping expenses this lean supports better long‑term outcomes and leaves more of the underlying market return in your pocket, which is one of the few things fully under your control.
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