ESG focused global equity mix with a strong technology tilt and efficient risk allocation

Report created on Apr 19, 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

This portfolio is a pure equity mix built entirely from four ETFs, all with an ESG or SRI focus. Roughly a third sits in global developed equities, another third in European ESG stocks, with the remaining third split between the Nasdaq‑100 and emerging markets SRI. This creates a structure that blends broad diversification with some targeted tilts, especially toward large global companies and US tech. Because everything here is equities, the portfolio is built for growth rather than stability. The “balanced” label in the risk score reflects moderate volatility within an equity universe, not a mix of stocks and bonds. That distinction matters for understanding how big swings can feel over shorter periods.

Growth Info

From late 2018 to April 2026, €1,000 in this portfolio grew to about €2,289, implying a compound annual growth rate (CAGR) of 11.6%. CAGR is the “average yearly speed” of growth, smoothing out the bumps along the way. Over the same period, the US market and the global market grew a bit faster at 14.2% and 12.08% respectively, so the portfolio has slightly lagged both benchmarks. The maximum drawdown of around ‑32.7% during early 2020 is similar to the benchmarks’ worst drops, showing comparable downside in crisis conditions. With 90% of returns coming from 27 days, timing still mattered a lot historically.

Projection Info

The Monte Carlo projection simulates 1,000 possible future paths for this portfolio over 15 years, using patterns from historical returns and volatility. Think of it as repeatedly “replaying” the market with some randomness to see a range of outcomes, not a single forecast. The median scenario turns €1,000 into about €2,871, with a broad typical range from roughly €1,919 to €4,499. There are also more extreme but less likely paths, from little change to very strong growth. The average simulated annual return of 8.47% is lower than the historical 11.6%, illustrating how forward-looking models often build in more conservative assumptions and highlight uncertainty rather than promise repeat performance.

Asset classes Info

  • Stocks
    100%

Asset‑class exposure is very straightforward here: 100% stocks and 0% in bonds, cash, or alternatives. That makes the portfolio structurally growth‑oriented and more sensitive to equity market cycles than a multi‑asset mix. Compared with many broad market portfolios that include some bonds, this setup will typically experience larger swings, both up and down. The diversification score of 4/5 reflects breadth within equities rather than across asset classes. The absence of stabilizing assets also means that any risk reduction mainly has to come from how equities are spread across regions, sectors, and styles, not from the traditional stock‑bond balance.

Sectors Info

  • Technology
    28%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    1%
  • Energy
    1%

Sector allocation is clearly tilted toward Technology at 28%, followed by Financials, Industrials, and Consumer‑related areas. Technology’s share is noticeably higher than in many broad global equity benchmarks, partly because of the dedicated Nasdaq‑100 allocation. This tilt often boosts performance during growth‑led and innovation‑driven markets but can increase volatility when interest rates rise or sentiment shifts away from growth companies. The relatively modest exposure to Energy and Utilities means the portfolio is less linked to commodity cycles and more aligned with service and knowledge‑based parts of the economy. Overall, the sector mix is diversified but with a distinct growth‑oriented flavor.

Regions Info

  • North America
    42%
  • Europe Developed
    37%
  • Asia Developed
    8%
  • Asia Emerging
    6%
  • Japan
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Australasia
    1%

Geographically, about 42% of the portfolio is in North America, 37% in developed Europe, and the rest spread mainly across Asia and emerging regions. This is more regionally balanced than many global portfolios that lean heavily toward the US, and it aligns well with a diversified global approach. The ESG and SRI frameworks still leave meaningful exposure to Asia emerging and Africa/Middle East, which adds growth potential and currency diversification but also some political and economic uncertainty. Compared with typical world indices, this portfolio modestly increases European weight, which is consistent with the separate Europe SRI ETF and can make performance more influenced by European economic cycles.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    37%
  • Mid-cap
    16%

The market‑cap breakdown shows a strong focus on larger companies: 44% mega‑caps, 37% large‑caps, and 16% mid‑caps, with very little in smaller firms. Larger companies often have more stable earnings, established business models, and deeper liquidity, which can reduce company‑specific risk compared with a small‑cap heavy approach. At the same time, it may limit exposure to higher‑risk, higher‑potential growth among smaller businesses. This size mix is broadly similar to many global indices and supports the “broadly diversified” label within equities. It also complements the ESG theme, as screening and data coverage are typically strongest among bigger listed firms.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.75%
    Part of fund(s):
    • iShares MSCI EM SRI UCITS ETF
  • NVIDIA Corporation
    1.92%
    Part of fund(s):
    • iShares MSCI World ESG Screened UCITS ETF USD (Acc)
  • ASML Holding N.V.
    1.84%
    Part of fund(s):
    • iShares MSCI Europe SRI UCITS ETF EUR (Acc)
  • Apple Inc
    1.69%
    Part of fund(s):
    • iShares MSCI World ESG Screened UCITS ETF USD (Acc)
  • Schneider Electric S.E.
    1.32%
    Part of fund(s):
    • iShares MSCI Europe SRI UCITS ETF EUR (Acc)
  • ABB Ltd
    1.26%
    Part of fund(s):
    • iShares MSCI Europe SRI UCITS ETF EUR (Acc)
  • Microsoft Corporation
    1.18%
    Part of fund(s):
    • iShares MSCI World ESG Screened UCITS ETF USD (Acc)
  • Zurich Insurance Group AG
    1.10%
    Part of fund(s):
    • iShares MSCI Europe SRI UCITS ETF EUR (Acc)
  • Novo Nordisk A/S
    1.07%
    Part of fund(s):
    • iShares MSCI Europe SRI UCITS ETF EUR (Acc)
  • LOréal S.A.
    1.04%
    Part of fund(s):
    • iShares MSCI Europe SRI UCITS ETF EUR (Acc)
  • Top 10 total 15.15%

Looking through ETF top‑10 holdings, a few large names appear across multiple funds: Taiwan Semiconductor, NVIDIA, ASML, Apple, Microsoft, Novo Nordisk, and others. These companies together account for noticeable portions of the equity exposure, even though each ETF looks diversified on its own. Because only top‑10 positions are visible, actual overlap is likely higher than shown. This kind of repetition creates “hidden concentration” in some of the world’s largest growth and technology‑linked firms. That concentration can be helpful when those firms do well but also means portfolio behaviour is more tied to a relatively small group of global champions than the ETF count alone suggests.

Risk contribution Info

  • iShares MSCI World ESG Screened UCITS ETF USD (Acc)
    Weight: 33.00%
    33.3%
  • iShares MSCI Europe SRI UCITS ETF EUR (Acc)
    Weight: 33.00%
    30.4%
  • Amundi Nasdaq-100 II UCITS ETF Acc EUR
    Weight: 17.00%
    19.3%
  • iShares MSCI EM SRI UCITS ETF
    Weight: 17.00%
    17.0%

Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The global ESG ETF at 33% weight contributes about 33.3% of risk, essentially in line with its size. The Europe SRI ETF is slightly less risky than its weight, at 30.4% risk contribution. The Nasdaq‑100 ETF, however, stands out: with a 17% weight, it contributes 19.3% of total risk, giving it a risk/weight ratio of 1.14. That means it punches above its weight in volatility. The top three ETFs together generate over 83% of total risk, highlighting how position sizing and volatility combine to shape 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.

The risk vs. return chart shows the current portfolio with a Sharpe ratio of 0.59, close to the minimum variance portfolio’s 0.59 and below the maximum‑Sharpe mix at 0.9. The Sharpe ratio measures return per unit of risk, similar to how many kilometres you get per litre of fuel. Importantly, the current allocation sits on or very near the efficient frontier, meaning that for this set of four ETFs, the risk/return balance is already efficient. The optimal Sharpe portfolio would take more risk to seek a higher return, while the minimum variance mix trades some return for slightly lower volatility. The current setup lands between them in a coherent way.

Ongoing product costs Info

  • iShares MSCI Europe SRI UCITS ETF EUR (Acc) 0.20%
  • Amundi Nasdaq-100 II UCITS ETF Acc EUR 0.30%
  • iShares MSCI EM SRI UCITS ETF 0.25%
  • iShares MSCI World ESG Screened UCITS ETF USD (Acc) 0.20%
  • Weighted costs total (per year) 0.23%

Ongoing fund costs are relatively low, with individual ETF TERs between 0.20% and 0.30%, and a weighted average of about 0.23%. TER (Total Expense Ratio) is the annual fee charged by a fund, taken directly out of its assets, so you never see a separate bill—but it steadily reduces returns. In the context of equity ETFs, a blended cost near 0.23% is competitive and supports long‑term performance. Over many years, small differences in fees can compound into noticeable gaps in portfolio value, so this level of cost control is a meaningful strength of the current setup and aligns well with low‑cost indexing principles.

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