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Broad global equity mix with a strong value tilt and balanced risk across regions and sectors

Report created on Jun 29, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built from three broad equity ETFs, all in stocks, with no bonds or cash in the mix. Half sits in a global all‑cap fund that covers large, mid, and small companies worldwide. A quarter is allocated to a Europe-focused ETF, and the remaining quarter goes into a global value strategy. This structure keeps things simple while still spreading exposure across many underlying companies and markets. Because everything is in equities, returns and volatility are closely tied to stock market behaviour rather than being cushioned by defensive assets. The mix of a mainstream global fund plus explicit Europe and value tilts gives the portfolio a clear identity without becoming complicated to manage or understand.

Growth Info

From mid‑2016 to mid‑2026, £1,000 in this portfolio grew to about £3,016, a compound annual growth rate (CAGR) of 12.6%. CAGR is like your average speed on a long car journey, smoothing out bumps along the way. Over the same period, the US market and the global market (“the market”) grew faster at 16.18% and 13.55% a year. The portfolio’s worst peak‑to‑trough fall (max drawdown) was about ‑31%, deeper than the benchmarks’ roughly ‑25% falls. This shows that while long‑term growth was strong in absolute terms, the portfolio lagged especially against the US, and it experienced slightly sharper downside during major stress.

Projection Info

The forward projection uses a Monte Carlo simulation, which essentially runs 1,000 “what if” scenarios based on past patterns of returns and volatility. It doesn’t try to predict specific events; instead, it shakes the historical data and sees how things might play out over 15 years. In these simulations, £1,000 most often ended around £2,668, with a broad middle range between roughly £1,718 and £4,101. The very wide possible band (£1,020–£7,976) highlights how uncertain long‑term outcomes can be. An average simulated annual return of about 8% is lower than the historical 12.6%, underlining that past performance is no guarantee of future results.

Asset classes Info

  • Stocks
    100%

All of this portfolio is invested in stocks, with 0% in bonds, cash, or alternatives. That makes the asset class picture very clear: it’s a 100% equity allocation. This matters because asset classes often behave differently in good and bad times; bonds, for example, can sometimes offset stock falls. Here, there is no such counterbalance built into the structure. The upside is that the portfolio fully participates in equity market growth when stocks do well. The trade‑off is that portfolio swings are driven entirely by share price movements, so short‑term volatility and drawdowns are likely to be meaningfully higher than in mixed stock‑and‑bond portfolios.

Sectors Info

  • Technology
    27%
  • Financials
    17%
  • Industrials
    14%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is spread across many parts of the economy, with a noticeable tilt. Technology is the largest slice at 27%, followed by financials (17%) and industrials (14%), while health care, consumer areas, telecoms, and others form smaller but still meaningful parts. Compared with common global benchmarks, tech looks slightly elevated but not extreme, and defensives like utilities and staples sit at modest levels. Sector diversification helps ensure the portfolio does not rely on a single type of company. However, a larger technology share can mean more sensitivity to changes in interest rates, innovation cycles, and investor sentiment around fast‑growing businesses.

Regions Info

  • North America
    45%
  • Europe Developed
    39%
  • Japan
    8%
  • Asia Developed
    4%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is quite balanced by developed‑market standards. About 45% is in North America and 39% in developed Europe, with Japan at 8% and the rest spread across developed Asia, emerging Asia, and smaller regions. Many broad global indices have a heavier North America tilt, so this mix leans more towards Europe than those benchmarks. That alignment with both US and European markets supports diversification across currencies, economic cycles, and regulatory environments. However, emerging markets are only a small part of the picture, which reduces exposure to faster‑growing but more volatile economies that sit outside the most established markets.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    37%
  • Mid-cap
    15%
  • Small-cap
    3%
  • Micro-cap
    1%

By company size, the portfolio is anchored in large businesses: roughly 43% in mega‑caps, 37% in large‑caps, and the remaining 20% in mid, small, and micro‑caps. Market capitalization simply means the total value of a company’s shares; bigger companies tend to be more stable but may grow more slowly, while smaller ones can be more volatile but offer more room to expand. This mix is broadly in line with global equity norms, which is positive for diversification. The meaningful, though not dominant, mid and small‑cap exposure adds some growth and risk potential without overwhelming the more stable large‑cap foundation.

True holdings Info

  • Micron Technology Inc
    3.04%
    Part of fund(s):
    • Xtrackers MSCI World Value UCITS ETF
  • NVIDIA Corporation
    2.17%
    Part of fund(s):
    • SPDR MSCI ACWI IMI
  • Apple Inc.
    1.95%
    Part of fund(s):
    • SPDR MSCI ACWI IMI
  • Intel Corporation
    1.40%
    Part of fund(s):
    • Xtrackers MSCI World Value UCITS ETF
  • Microsoft Corporation
    1.34%
    Part of fund(s):
    • SPDR MSCI ACWI IMI
  • ASML Holding N.V.
    1.12%
    Part of fund(s):
    • iShares Core MSCI Europe UCITS ETF EUR (Acc)
  • Amazon.com Inc
    1.09%
    Part of fund(s):
    • SPDR MSCI ACWI IMI
  • Cisco Systems Inc
    1.06%
    Part of fund(s):
    • Xtrackers MSCI World Value UCITS ETF
  • Alphabet Inc Class A
    0.96%
    Part of fund(s):
    • SPDR MSCI ACWI IMI
  • Broadcom Inc
    0.85%
    Part of fund(s):
    • SPDR MSCI ACWI IMI
  • Top 10 total 14.98%

Looking through the ETFs’ top holdings, a handful of big names show up as notable exposures. Companies like Micron, NVIDIA, Apple, Intel, Microsoft, and Amazon all appear via the funds and together represent a few percentage points of the portfolio. This highlights a technology‑heavy tilt within the largest positions, even though each single name remains relatively small on its own. Because only ETF top‑10 holdings are visible, overlap further down the holdings lists is likely understated. Still, the data suggests no single company dominates overall risk, and concentration is more about themes (like semiconductors and large US tech) than any one stock.

Risk contribution Info

  • SPDR MSCI ACWI IMI
    Weight: 50.00%
    51.3%
  • Xtrackers MSCI World Value UCITS ETF
    Weight: 25.00%
    25.2%
  • iShares Core MSCI Europe UCITS ETF EUR (Acc)
    Weight: 25.00%
    23.6%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from weight alone. Here, the global ACWI fund is half the portfolio and contributes about 51% of total risk, almost exactly in line with its size. The value ETF and Europe ETF, each at 25%, contribute roughly 25% and 24% of risk respectively. That close alignment means no single ETF is punching far above its weight in terms of volatility. The three‑fund structure keeps risk sources simple and transparent, and the balanced risk/weight ratios indicate that position sizing broadly matches each fund’s impact on total portfolio swings.

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‑versus‑return chart shows the current portfolio sitting on or very close to the efficient frontier. The efficient frontier represents the best return available for each risk level using just these holdings with different weightings. The portfolio’s Sharpe ratio of 0.64, which measures return per unit of risk above the risk‑free rate, is lower than the optimal combination’s 0.86 but still reasonable. Importantly, the minimum variance and maximum Sharpe portfolios have only slightly different risk and return numbers, signalling that the existing allocation is already efficient. In other words, given these three ETFs, the current mix makes sensible use of them.

Ongoing product costs Info

  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
  • Xtrackers MSCI World Value UCITS ETF 0.25%
  • Weighted costs total (per year) 0.11%

The portfolio’s ongoing costs are impressively low. Individual ETF total expense ratios (TERs) sit at 0.20% and 0.25%, and the blended overall TER comes out around 0.11%. TER is the annual fee charged by the funds, taken directly from assets, so lower numbers leave more return in the investor’s pocket. Compared with many active or niche products, this cost level is very competitive and in line with best‑in‑class index funds. Over long periods, even small fee differences can compound into significant sums, so having such a low‑cost foundation is a genuine strength of this portfolio’s design and supports better long‑term outcomes.

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