Broad global equity mix with efficient risk balance and strong regional and sector diversification

Report created on Apr 3, 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

The portfolio is a simple three‑ETF setup holding 100% in stocks. Around two‑thirds sits in a global all‑cap fund, with a quarter in a broad European fund and a smaller slice in a global ex‑US fund. This creates a core‑satellite structure where one holding does most of the heavy lifting and the others tilt exposure slightly. A structure like this is easy to understand and maintain, which is helpful for long‑term investing. The main takeaway is that this is a straightforward, equity‑only portfolio that leans on globally diversified index funds, keeping complexity low while still spreading money across thousands of companies.

Growth Info

Over the observed period, €1,000 grew to about €1,217, giving a compound annual growth rate (CAGR) of 10.07%. CAGR is like averaging the speed of a road trip: it smooths out bumps to show the typical yearly growth. The portfolio’s max drawdown was about -19.5%, meaning at one point it was roughly one‑fifth below its peak, then recovered within months. It slightly beat the US market but was essentially in line with the global market. This alignment with world‑market performance is a healthy sign; it suggests the portfolio behaves as a solid, diversified equity basket rather than a speculative or concentrated bet.

Projection Info

The forward projection uses a Monte Carlo simulation, which is basically thousands of “what if” market paths built from historical patterns. It doesn’t predict the future but gives a range of plausible outcomes. Here, a €1,000 starting amount has a median 15‑year outcome around €2,710, with a wide but reasonable range between roughly €1,734 and €4,211 for the middle half of scenarios. The likelihood of ending positive is about 72%. This illustrates how long‑term equity investing can be rewarding but uncertain. The key message: results could be much better or worse than the median, so expectations should stay flexible and not rely on a single number.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in equities, with no bonds or cash‑like assets included in the allocation. Equities historically offer higher long‑term growth potential but can swing quite a bit in the short to medium term. Because there’s no built‑in defensive layer, big market downturns will fully show up in the portfolio value. For someone comfortable riding out volatility over a long horizon, an all‑equity setup can make sense. For those needing stability or shorter‑term access to cash, adding some lower‑risk assets outside this portfolio might help smooth the ride, since this mix is firmly tilted toward growth rather than capital preservation.

Sectors Info

  • Technology
    19%
  • Financials
    19%
  • Industrials
    15%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    6%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Energy
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is well spread, with technology and financials each around 19%, and meaningful allocations to industrials, health care, consumer areas, and others. No single sector dominates, and the overall pattern looks close to broad market benchmarks, which is a strong indicator of diversification. Tech‑heavy portfolios can be more sensitive to interest rates and market sentiment, but here technology is balanced by sizable stakes in more cyclical and defensive sectors. This balanced sector mix helps the portfolio avoid being overly tied to any one economic story, supporting steadier performance across different phases of the business cycle and policy environments.

Regions Info

  • North America
    43%
  • Europe Developed
    40%
  • Japan
    6%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, exposure is nicely diversified: roughly 43% in North America, 40% in developed Europe, with the rest spread across Japan, other developed Asia, emerging Asia, and smaller allocations to Australasia, Latin America, and Africa/Middle East. Compared to many global benchmarks that are more US‑heavy, this mix leans relatively strongly toward Europe while still keeping a large North American slice. That balance helps reduce dependence on a single economy or currency. It’s particularly well‑aligned for someone based in Europe, as it keeps a big home‑region component while still capturing global growth drivers from other major markets.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    33%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    1%

By market cap, the portfolio tilts toward the very largest companies: about 47% in mega‑caps and 33% in large‑caps, with smaller but meaningful slices in mid‑, small‑, and even micro‑caps. This pattern is typical of broad index investing because global stock markets themselves are dominated by big firms. Large companies often bring more stability and liquidity, while smaller ones can offer higher growth potential but with choppier price moves. Having a long tail of mid and small caps, even at modest weights, adds diversification and exposure to different parts of the economic cycle, without overpowering the overall risk profile.

True holdings Info

  • NVIDIA Corporation
    2.55%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Apple Inc
    2.31%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Microsoft Corporation
    1.63%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Amazon.com Inc
    1.18%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • ASML Holding N.V.
    1.13%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
  • Alphabet Inc Class A
    1.10%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.96%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Alphabet Inc Class C
    0.89%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Broadcom Inc
    0.84%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Meta Platforms Inc.
    0.84%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Top 10 total 13.42%

Looking through the ETFs’ top holdings, exposure is spread across the big global names: companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta each have small single‑digit weights. Some appear more than once via multiple ETFs, creating hidden overlap where a company’s total weight is higher than any one fund shows. That’s normal for broad index portfolios, especially when large global firms dominate many benchmarks. Because only top‑10 ETF positions are captured, overall overlap is likely understated, but the visible pattern already shows a sensible spread: no single company dominates, yet the portfolio still participates in the growth of the largest global players.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    Weight: 65.00%
    68.4%
  • Amundi Stoxx Europe 600 UCITS ETF C
    Weight: 25.00%
    22.5%
  • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    Weight: 10.00%
    9.2%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weights. The main global ETF is 65% of assets but contributes about 68% of the risk, so its risk impact is slightly higher than its size. The European ETF and the world ex‑US ETF together add the remaining risk reasonably in line with their allocations. No single ETF is contributing a wildly disproportionate share. That’s a healthy sign: the biggest holding naturally drives most of the volatility, but not excessively so. If desired, small tweaks to weights could very finely adjust overall risk without changing the building blocks.

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 right on or very close to the efficient frontier. The efficient frontier is the curve showing the best possible return for each risk level using just the existing holdings with different weightings. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is solid at 0.49, and the optimal or minimum‑variance mixes only improve things modestly. This indicates the allocation is already highly efficient for its risk level. The key message: with these three ETFs, you’re using them in a way that makes good use of the available diversification.

Ongoing product costs Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.40%
  • Amundi Stoxx Europe 600 UCITS ETF C 0.07%
  • Weighted costs total (per year) 0.28%

The overall cost, measured by Total Expense Ratio (TER), is about 0.28% per year across the three ETFs. TER is the annual fee charged by the funds to cover management and operations, quietly deducted from performance. This level is comfortably low by industry standards and supports better long‑term outcomes because less return is shaved off each year. Using a very low‑cost European ETF alongside a reasonably priced global all‑cap fund keeps the blended cost down. This cost discipline is a real strength of the setup: over 10–20 years, the savings from low fees can add up to a substantial extra chunk of capital.

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