Global equity core with strong US tilt and value factor overlay for balanced stock market exposure

Report created on May 11, 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 straightforward all‑equity mix with four ETFs and a clear core‑satellite structure. Around 60% sits in a global “all‑country” fund, which already holds thousands of stocks worldwide. Another 20% adds extra exposure to a broad US index, further boosting the US share. The final 20% is split between two value‑style ETFs, one focused on emerging markets and one on global developed markets. This kind of structure matters because a single core fund provides simplicity and broad coverage, while the satellites tilt the overall mix toward specific characteristics. Here, the result is a globally diversified stock portfolio with a deliberate value flavor layered on top of a mainstream index backbone.

Growth Info

Over the period from late 2023 to early May 2026, €1,000 in this portfolio grew to about €1,695. That translates into a compound annual growth rate (CAGR) of 23.3%, meaning it grew on average roughly that much per year, similar to calculating average speed on a long trip. This outpaced both the US market and a broad global market benchmark by around 2.5 percentage points per year. The maximum drawdown, a measure of the largest peak‑to‑trough fall, was about -21%, similar to the global benchmark and slightly milder than the US market. Strong returns with drawdowns in line with major indices show performance has been robust, though still clearly equity‑like and volatile.

Projection Info

The Monte Carlo projection uses many simulated future paths based on past data to estimate possible outcomes over 15 years. Think of it as running 1,000 alternate timelines where returns vary randomly but follow patterns similar to history. The median scenario turns €1,000 into about €2,692, with a broad “middle” range from roughly €1,772 to €4,060. Extreme but plausible outcomes span from around €923 to €8,230. Overall, simulations imply an average annual return near 8.1% and a roughly three‑in‑four chance of ending ahead of cash. These numbers are illustrative rather than promises, because markets rarely repeat the past exactly and future conditions can be very different.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with no bonds, cash funds, or alternative assets reported. That gives it a very clear risk and return profile: strong participation in market growth when equities do well, but limited cushioning in market stress. Compared with many blended portfolios that mix in bonds or cash, this structure leans more toward growth and short‑term volatility. The balanced risk score of 4/7 and “moderately diversified” label reflect that while holdings are diversified inside equities, there is no offsetting asset class to dampen stock market swings. This makes the portfolio easy to understand, but its ups and downs will generally track the global equity cycle quite closely.

Sectors Info

  • Technology
    32%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is tilted toward technology at about 32%, with financials, industrials, and consumer areas making up much of the rest. This kind of tech‑heavy profile is broadly similar to many global indices today, where large technology and communication names have grown significantly. A larger technology share often brings higher sensitivity to innovation cycles and interest‑rate moves, as growth companies can react strongly to changes in expectations. At the same time, there is meaningful representation across financials, health care, energy, and other sectors, which helps avoid an overly narrow bet on a single industry. Overall, the sector mix is reasonably diversified but still strongly influenced by the fortunes of large tech‑related businesses.

Regions Info

  • North America
    65%
  • Europe Developed
    11%
  • Asia Developed
    9%
  • Asia Emerging
    6%
  • Japan
    5%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, about 65% of the portfolio is in North America, with Europe developed markets at 11%, Asia developed at 9%, and smaller slices across emerging regions. This means results are heavily influenced by the US and Canadian markets, which matches the structure of many global equity benchmarks where US companies dominate by market value. The rest of the world is still meaningfully represented, spreading exposure across different economies and currencies. A strong North American tilt can benefit from global leadership in many industries but also ties a large part of the portfolio to one main economic and policy environment. Compared with a perfectly equal global mix, this portfolio is aligned with current market‑cap reality rather than trying to smooth regional weights.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    35%
  • Mid-cap
    15%
  • Small-cap
    1%

The portfolio leans clearly toward larger companies: roughly half in mega‑caps, about a third in large‑caps, and smaller slices in mid‑ and small‑caps. Mega‑caps are the very biggest firms, often household names that dominate global indices. A tilt like this is typical for index‑based strategies and tends to come with more stability than a strongly small‑cap‑focused approach, but may miss some of the sharper growth and volatility seen in smaller companies. The small allocation to mid‑ and small‑caps still adds variety in business models and growth stages. Overall, the size distribution matches what you’d expect from global market‑cap‑weighted funds, providing a familiar and broadly diversified exposure across company sizes.

True holdings Info

  • NVIDIA Corporation
    4.34%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    3.82%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.72%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    2.05%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.94%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Alphabet Inc Class A
    1.70%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.45%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.42%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.28%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    1.07%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 21.79%

Looking through ETF top‑10 holdings, a handful of very large companies appear prominently, including NVIDIA, Apple, Microsoft, Amazon, and major tech and communication names. NVIDIA alone makes up over 4% of the total portfolio through multiple funds, and Apple nearly 4% as well. Several companies, such as Alphabet’s share classes, show up more than once, indicating overlap between ETFs. This overlap creates hidden concentration: on the surface there are four funds, but a meaningful slice of risk comes from a small group of mega‑cap stocks. Because only top‑10 holdings are visible, actual overlap is likely higher. This structure is common in global equity portfolios today, but it’s worth recognizing how much influence a few giants can have.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 60.00%
    60.0%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 20.00%
    21.1%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.9%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    8.9%

Risk contribution, which shows how much each holding drives the portfolio’s overall ups and downs, lines up quite closely with the weights here. The 60% global ETF contributes about 60% of total risk, and the 20% US ETF contributes just over 21%. The two 10% value ETFs together add under 19% of overall volatility. This pattern suggests there isn’t a small position that secretly dominates risk; instead, portfolio risk is spread roughly in proportion to size. The top three positions still account for just over 91% of risk, but that’s because they already represent 90% of the assets. For a concentrated four‑fund portfolio, this is a clean, intuitive risk profile without hidden leverage.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

The correlation view highlights that the US S&P 500 ETF and the global ACWI ETF move almost identically. Correlation measures how often and how strongly two assets move together, on a scale from -1 to +1. When two holdings are highly positively correlated, they tend to rise and fall at the same time, which limits diversification between them. Here, that makes sense: a global index fund includes a big US component, so adding a separate US index naturally overlaps. This doesn’t make the allocation wrong, but it does mean the extra S&P 500 slice mainly amplifies exposure to the same broad market trend rather than behaving as a distinct shock absorber in turbulent periods.

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 portfolio sits below the efficient frontier, which is the curve showing the best expected return for each level of risk using these same holdings. The Sharpe ratio, a measure of return per unit of risk after adjusting for a risk‑free rate, is about 1.33 for the current mix versus 1.96 for the optimal weighting and 1.64 for the minimum‑variance mix. Being roughly 4.5 percentage points below the frontier at the same risk level indicates that different weights among the existing four ETFs could deliver a more efficient balance between volatility and return. Importantly, this analysis only speaks to mathematical efficiency, not whether any particular combination is personally comfortable.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SPDR S&P 500 UCITS ETF USD Acc EUR 0.03%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.15%

The overall ongoing fee level, measured as a weighted Total Expense Ratio (TER), is about 0.15% per year. TER is like a built‑in service charge that funds deduct before reporting performance. In context, 0.15% is impressively low for a mix that includes broad global exposure and specialized factor funds. The largest position, the global core ETF, charges 0.12%, while the US ETF is extremely cheap at 0.03%. The value factor funds cost more at 0.30–0.40%, but their smaller weights keep the blended cost down. Over long periods, keeping fees at this level supports better compounding, because less of the portfolio’s return is eaten away by ongoing charges each year.

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