High growth tilted balanced portfolio with strong US focus and heavy technology momentum exposure

Report created on Mar 24, 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 almost entirely in equity ETFs, with a small slice in a gold ETC, and is dominated by broad US and global index trackers. Two overlapping S&P 500 funds together hold about half the portfolio, with a global developed ETF, NASDAQ 100 trackers, and a focused semiconductor ETF adding extra growth exposure. A few smaller satellite positions cover Europe, emerging markets, blockchain, and China tech. This structure is very “core-and-satellite”: broad, diversified building blocks in the core, plus concentrated growth satellites around the edges. That pattern is common among growth-oriented investors who still want a sensible base. It keeps the main risk drivers clear and makes it relatively simple to tweak exposure over time.

Growth Info

Over the last two years or so, €1,000 grew to about €1,348, giving a compound annual growth rate (CAGR) of 16.18%. CAGR is the “average yearly speed” of growth, smoothing out the bumps. This easily beats both the US market reference (10.71% CAGR) and global market reference (11.26% CAGR) over the same period. The portfolio’s worst peak‑to‑trough fall, its max drawdown, was -21.16%, similar to global markets and slightly better than the US benchmark. That combination of higher return with similar downside is very strong, though it reflects a short, tech-friendly period. Past performance, especially over a limited window, can look flattering and is never a guarantee.

Projection Info

The Monte Carlo projection takes the portfolio’s past pattern of returns and volatility, then simulates 1,000 alternative 10‑year futures by scrambling those patterns in many random ways. It’s like running thousands of “what if the next decade rhymed with the last few years” scenarios. After 10 years, the median path shows roughly a 921% cumulative gain, with even the pessimistic 5th percentile still positive at about 47.5%. These numbers are extremely strong and reflect a very favorable recent period for tech-heavy US equities. Simulations are just statistical replays of history, not a forecast, so actual outcomes could be much lower. They’re useful for showing the range of possibilities, not precise targets.

Asset classes Info

  • Stocks
    95%

About 95% of the portfolio is in stocks, with a small allocation to gold through Xetra-Gold. That makes this a clearly growth-focused setup, much closer to an aggressive equity allocation than a classic “balanced” mix that would include bonds or cash buffers. The gold slice can act as a partial hedge in some stress scenarios, but it’s small relative to the dominant equity risk. Compared with broad benchmarks, equity exposure is high, which is consistent with a long horizon and tolerance for swings. For anyone with a shorter timeline or lower risk appetite, introducing a bit more defensive ballast outside equities could help smooth the ride.

Sectors Info

  • Technology
    38%
  • Financials
    11%
  • Telecommunications
    9%
  • Consumer Discretionary
    9%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Sector exposure is strongly tilted toward technology at 38%, supported by sizable weights in financials, communication services, consumer cyclicals, and industrials. Healthcare and consumer defensive add some resilience, while energy, utilities, and materials remain modest. This tech-heavy tilt has been a major tailwind recently, helping beat global and US benchmarks. However, tech and related growth areas often react sharply to interest rate changes and sentiment shifts, so volatility can spike in downturns or rate‑hike periods. The good news is that the sector mix beyond tech is reasonably broad and aligns fairly well with global norms. Keeping an eye on whether the tech slice grows even larger over time can prevent unintended concentration.

Regions Info

  • North America
    83%
  • Europe Developed
    7%
  • Asia Developed
    1%
  • Japan
    1%
  • Asia Emerging
    1%
  • Australasia
    1%

Geographically, the portfolio is overwhelmingly tilted to North America at 83%, with limited exposure to developed Europe and only small allocations to Japan, developed Asia, and emerging markets. That’s an even stronger US bias than global benchmarks, which usually give the US around 60% weight. This has been very beneficial in the last decade as US mega-cap tech led markets. The trade‑off is meaningful home‑country and single‑region risk: if US equities underperform or face a long sideways period, the portfolio will feel it strongly. A slightly higher allocation to non‑US developed and emerging markets could reduce that dependence without fundamentally changing the equity‑heavy growth profile.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    32%
  • Mid-cap
    14%
  • Small-cap
    2%

Market capitalization exposure is dominated by mega and big caps, which together make up about 78% of the portfolio, with mid caps playing a supporting role and small caps barely present. Large companies typically bring more stability, better liquidity, and lower company-specific blow‑up risk than tiny firms. They also tend to be the names that drive index performance and are familiar household brands. On the flip side, smaller companies often have higher long‑term return potential, though with bumpier journeys. Relative to a market‑cap benchmark, this allocation is fairly standard and well‑aligned with global practice, leaning slightly toward the safety and predictability of the largest, most established businesses.

True holdings Info

  • NVIDIA Corporation
    6.37%
    Part of fund(s):
    • VanEck Semiconductor UCITS ETF
    • Vanguard S&P 500 UCITS ETF USD Accumulation
    • Xtrackers NASDAQ 100 UCITS ETF 1C
    • iShares Core MSCI World UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Apple Inc
    5.10%
    Part of fund(s):
    • Vanguard S&P 500 UCITS ETF USD Accumulation
    • Xtrackers NASDAQ 100 UCITS ETF 1C
    • iShares Core MSCI World UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Microsoft Corporation
    3.81%
    Part of fund(s):
    • Vanguard S&P 500 UCITS ETF USD Accumulation
    • Xtrackers NASDAQ 100 UCITS ETF 1C
    • iShares Core MSCI World UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Amazon.com Inc
    2.74%
    Part of fund(s):
    • Vanguard S&P 500 UCITS ETF USD Accumulation
    • Xtrackers NASDAQ 100 UCITS ETF 1C
    • iShares Core MSCI World UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Broadcom Inc
    2.54%
    Part of fund(s):
    • VanEck Semiconductor UCITS ETF
    • Vanguard S&P 500 UCITS ETF USD Accumulation
    • Xtrackers NASDAQ 100 UCITS ETF 1C
    • iShares Core MSCI World UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class A
    2.38%
    Part of fund(s):
    • Vanguard S&P 500 UCITS ETF USD Accumulation
    • Xtrackers NASDAQ 100 UCITS ETF 1C
    • iShares Core MSCI World UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class C
    1.98%
    Part of fund(s):
    • Vanguard S&P 500 UCITS ETF USD Accumulation
    • Xtrackers NASDAQ 100 UCITS ETF 1C
    • iShares Core MSCI World UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Meta Platforms Inc.
    1.98%
    Part of fund(s):
    • Vanguard S&P 500 UCITS ETF USD Accumulation
    • Xtrackers NASDAQ 100 UCITS ETF 1C
    • iShares Core MSCI World UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Tesla Inc
    1.72%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 UCITS ETF USD Accumulation
    • Xtrackers NASDAQ 100 UCITS ETF 1C
    • iShares Core MSCI World UCITS ETF USD (Acc)
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • ASML Holding N.V.
    1.30%
    Part of fund(s):
    • VanEck Semiconductor UCITS ETF
    • Xtrackers EURO STOXX 50 UCITS ETF 1C
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    • iShares Core MSCI World UCITS ETF USD (Acc)
  • Top 10 total 29.91%

Looking through the ETFs, the true drivers are clear: NVIDIA, Apple, Microsoft, Amazon, Broadcom, Alphabet, Meta, Tesla, and ASML together form a large chunk of the “engine.” Many of these appear in several ETFs at once, especially the S&P 500, MSCI World, NASDAQ 100, and semiconductor fund, creating hidden concentration in the same mega-cap growth names. Because only top‑10 ETF holdings are used, real overlap is likely higher. This clustering means the portfolio will be very sensitive to big US tech and semiconductor moves, both up and down. That’s powerful when these names lead, but it also ties a lot of risk to a relatively small group of companies.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 14%
Size
Exposure to smaller companies
Very low
Data availability: 83%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 15%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 50%

Factor exposure analysis shows strong tilts toward yield, low volatility, and momentum, with moderate exposure to size and relatively low value tilt. Factor investing looks at traits like “recent winners” (momentum) or “steady price behavior” (low volatility) to explain why some stocks behave the way they do. A strong momentum tilt can boost returns when trends persist, but it may hurt when markets reverse sharply. The low volatility bias should cushion some drawdowns compared with a pure high‑beta growth basket, and the yield tilt suggests a meaningful contribution from dividend‑paying names inside the broad ETFs. Signal coverage is moderate, so these readings aren’t perfect, but the combination implies a growth‑oriented portfolio with some built‑in shock absorbers.

Risk contribution Info

  • iShares Core S&P 500 UCITS ETF USD (Acc)
    Weight: 26.62%
    24.5%
  • Vanguard S&P 500 UCITS ETF USD Accumulation
    Weight: 23.88%
    21.0%
  • VanEck Semiconductor UCITS ETF
    Weight: 8.00%
    14.1%
  • iShares NASDAQ 100 UCITS ETF USD (Acc)
    Weight: 10.25%
    12.0%
  • iShares Core MSCI World UCITS ETF USD (Acc)
    Weight: 14.50%
    11.9%
  • Top 5 risk contribution 83.4%

Risk contribution shows how much each holding adds to overall volatility, which can differ from its weight. Here, the two S&P 500 ETFs and the MSCI World ETF together represent a big chunk of weight and around 59.5% of total portfolio risk, which is appropriate given their size and diversification. The standout is the VanEck Semiconductor ETF: at 8% weight it contributes about 14% of total risk, with a risk‑to‑weight ratio of 1.76. That means it punches well above its weight in driving ups and downs. This is typical for concentrated, cyclical growth themes. If that extra risk is intentional, it’s fine; if not, trimming or offsetting it could bring risk more in line with position size.

Redundant positions Info

  • iShares NASDAQ 100 UCITS ETF USD (Acc)
    Xtrackers NASDAQ 100 UCITS ETF 1C
    iShares Core S&P 500 UCITS ETF USD (Acc)
    High correlation
  • iShares Core MSCI World UCITS ETF USD (Acc)
    Vanguard S&P 500 UCITS ETF USD Accumulation
    High correlation

Correlation measures how assets move together: +1 means they move in lockstep, 0 means they move independently, and -1 means they move in opposite directions. Here, the S&P 500, NASDAQ 100 ETFs, and MSCI World trackers are all highly correlated, which is expected since they own many of the same large US names. The benefit is simplicity and consistency with major benchmarks. The downside is that diversification across these funds is more limited than the number of tickers suggests: in a real US market downturn, they’ll likely fall together. The small gold and non‑US equity sleeves help a bit, but overall this is still a “one big equity bet,” just spread across several highly overlapping vehicles.

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 on the efficient frontier, meaning that, for its given mix of holdings, the risk/return balance is broadly efficient. It’s not the mathematically “optimal” point, but it’s already making good use of the available ingredients. The optimal and minimum variance portfolios on the same curve show that, in theory, different weightings of these same ETFs could further improve the Sharpe ratio, a measure of return per unit of risk. Practical constraints, taxes, and personal comfort often matter more than squeezing out every last drop of efficiency. The positive message here: the structure is sound, and any future tweaks are about fine‑tuning, not fixing something broken.

Ongoing product costs Info

  • Global X Blockchain UCITS ETF USD Acc EUR 0.50%
  • iShares Core S&P 500 UCITS ETF USD (Acc) 0.12%
  • iShares NASDAQ 100 UCITS ETF USD (Acc) 0.36%
  • Xtrackers EURO STOXX 50 UCITS ETF 1C 0.09%
  • Xtrackers NASDAQ 100 UCITS ETF 1C 0.20%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares Core MSCI World UCITS ETF USD (Acc) 0.20%
  • VanEck Semiconductor UCITS ETF 0.35%
  • Vanguard S&P 500 UCITS ETF USD Accumulation 0.07%
  • Weighted costs total (per year) 0.17%

The overall total expense ratio (TER) of about 0.17% is impressively low for an active, growth‑tilted ETF mix. Most core building blocks sit close to rock‑bottom fee levels, particularly the Vanguard S&P 500 ETF, while the more specialized blockchain and semiconductor ETFs charge higher fees but remain a small part of the portfolio. Fees are like friction: even small differences compound significantly over decades. Keeping costs near this level is a real advantage and fully in line with best practices for long‑term investing. The main cost drivers here are market behavior and allocation choices, not fund charges, which is exactly where the focus should be.

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