This portfolio has only about 1.5 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Globally diversified all equity portfolio with strong developed markets tilt and moderate risk profile

Report created on Mar 31, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

The portfolio is a pure equity mix, holding only stock ETFs with a clear core‑satellite structure. Around 60% sits in broad global and all‑country funds, which form a diversified core, while the rest tilts toward Europe, the US, emerging markets, and dividend payers. This setup aims to balance simple global exposure with a few targeted tilts. Because everything is in stocks, short‑term ups and downs can be noticeable, even if the mix is diversified. With only about 1.5 years of data, it’s too early to call this a proven long‑term structure, but the layout is sensible and aligns well with what many balanced, growth‑oriented investors use as a foundation.

Growth Info

Over the limited 1.5‑year window, €1,000 grew to about €1,144, a compound annual growth rate (CAGR) near 11.9%. CAGR is like average speed on a long drive, smoothing out bumps along the way. In this short period, the portfolio beat both the US market and a global market benchmark and did so with a smaller maximum drawdown than those indices. The worst drop was about -19%, which is noticeable but normal for an all‑equity mix. Because the sample is short and market‑specific, this outperformance might be temporary luck rather than a repeatable pattern, so it shouldn’t be assumed as a long‑term expectation.

Projection Info

The Monte Carlo projection uses the short 1.5‑year history to simulate thousands of possible 10‑year paths, shaking the past returns and volatility into many different sequences. The median outcome shows €1,000 growing to roughly €4,900, with “good case” scenarios much higher and “bad case” scenarios roughly flat. That implies a simulated annualized return above 14%, which is very optimistic by historical equity standards. Because the input period is brief and includes a specific market environment, these numbers are more illustration than forecast. The useful takeaway is the range: long‑term outcomes can vary wildly, and even sensible portfolios can experience a decade that barely breaks even.

Asset classes Info

  • Stocks
    100%

All of the money is invested in stocks; there is no allocation to bonds, cash, or alternatives. That’s why the portfolio sits in a “balanced” risk band despite being 100% equity: diversification across regions and sectors helps, but the underlying asset class is still growth‑oriented and volatile. In quieter markets, this can feel smooth enough, yet during sharp downturns there’s no built‑in safety cushion from bonds. For someone who wants growth and can tolerate noticeable drawdowns, an all‑equity mix can make sense. For anyone needing shorter‑term stability or predictable withdrawals, a missing defensive sleeve is the main structural limitation.

Sectors Info

  • Technology
    21%
  • Financials
    21%
  • Industrials
    12%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is quite balanced, with technology and financials each around 21% and the rest spread across industrials, health care, consumer areas, and smaller weights in energy, materials, utilities, and real estate. This looks reasonably close to broad global benchmarks and avoids extreme bets on a single theme. A tech weight in the low‑20s is substantial but not excessive by current global standards, especially given the dominance of a few mega‑cap names. This balance helps the portfolio avoid being overly dependent on one economic story, such as high interest rates hurting growth companies or bank stress disproportionately impacting financials.

Regions Info

  • North America
    44%
  • Europe Developed
    33%
  • Asia Emerging
    8%
  • Asia Developed
    6%
  • Japan
    3%
  • Africa/Middle East
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Europe Emerging
    1%

Geographically, the portfolio leans strongly toward developed markets, with roughly 44% in North America and 33% in developed Europe. The rest is split across emerging Asia, developed Asia, Japan, and smaller allocations to other regions. This is broadly in line with global equity benchmarks, maybe with a slightly stronger Europe tilt relative to pure market‑cap world indices. That’s a positive sign for diversification: no single region totally dominates, yet exposure stays centered on large, stable economies. It does mean long‑term results will be very tied to how the US and Europe perform, while smaller allocations to emerging and other regions play more of a supporting role.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    36%
  • Mid-cap
    14%

Almost half of the portfolio sits in mega‑cap companies, with most of the rest in large caps and only 14% in mid caps. That’s close to how global stock markets are structured today, where a small number of huge firms drive a big share of returns and index behavior. Larger companies tend to be more established and somewhat less volatile than smaller stocks, though they can still move sharply. The smaller mid‑cap slice adds some growth potential and diversification without pushing the risk profile into truly small‑cap territory. Overall, this size mix is mainstream and sensible for a balanced equity investor.

True holdings Info

  • NVIDIA Corporation
    2.90%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Apple Inc
    2.64%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.28%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard FTSE Emerging Markets UCITS ETF USD Accumulation
  • Microsoft Corporation
    1.98%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Amazon.com Inc
    1.38%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Alphabet Inc Class A
    1.24%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Broadcom Inc
    1.02%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Alphabet Inc Class C
    1.01%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Meta Platforms Inc.
    0.96%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Tesla Inc
    0.78%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Top 10 total 16.19%

Looking through ETF top holdings, several big names like NVIDIA, Apple, Microsoft, and Alphabet appear across multiple funds, creating some hidden concentration in mega‑cap growth stocks. For example, NVIDIA and Apple together already account for more than 5% of the effective exposure just within the partial data we see. Since only ETF top‑10 positions are captured, the real overlap is likely higher. This isn’t automatically bad; these companies have driven a lot of recent market returns. It does mean that headline diversification across many ETFs still leaves performance quite tied to a relatively small group of global tech and platform giants, especially during sharp market swings.

Factors Info

Value
Preference for undervalued stocks
No data
Data availability: 0%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
No data
Data availability: 0%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 20%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

The portfolio shows a very low exposure to the size factor and a high exposure to low volatility. Factor exposure is about how much your holdings lean toward characteristics like small vs large, or smooth vs jumpy returns. A very low size score means a clear tilt away from smaller companies and toward big, established names. The high low‑volatility score suggests a preference for stocks that historically moved less than the market. Together, that points to a large‑cap, relatively defensive equity style. In calm or slightly choppy markets, this can feel comfortable, but it may lag if smaller, riskier stocks suddenly lead a strong rally.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 40.00%
    43.0%
  • Vanguard S&P 500 UCITS Acc
    Weight: 10.00%
    11.3%
  • Amundi Prime All Country World UCITS ETF Acc EUR
    Weight: 10.00%
    10.5%
  • Vanguard FTSE Emerging Markets UCITS ETF USD Accumulation
    Weight: 10.00%
    9.4%
  • Amundi Stoxx Europe 600 UCITS ETF C EUR
    Weight: 10.00%
    8.9%
  • Top 5 risk contribution 83.0%

Risk contribution measures how much each holding drives the portfolio’s total volatility, which can differ from its simple weight. Here, the 40% global equity ETF contributes about 43% of the risk, and together with the S&P 500 and all‑country ETFs, the top three positions drive almost 65% of total risk. That’s slightly more concentrated in risk terms than weight alone suggests. It makes sense, since those funds sit at the core and hold many of the same big global companies. If someone wanted smoother behavior, shifting some risk away from that trio into less‑correlated exposures could reduce how much the portfolio rises and falls with global mega‑cap equities.

Redundant positions Info

  • Amundi Stoxx Europe 600 UCITS ETF C EUR
    Vanguard FTSE Developed Europe UCITS ETF EUR Accumulation
    High correlation
  • Vanguard S&P 500 UCITS Acc
    Amundi Prime All Country World UCITS ETF Acc EUR
    Vanguard FTSE All-World UCITS ETF USD Accumulation
    High correlation

Several ETF pairs in the portfolio move almost identically: the two Europe funds track similar developed European markets, and the S&P 500 and global/all‑country ETFs are highly correlated because the US is such a big chunk of global indices. Correlation is about how often things move together rather than the size of the move. High correlation limits diversification in sharp sell‑offs, because many holdings fall at the same time. The overall diversification score is still strong, but under the hood some funds are essentially different wrappers around very similar baskets. That’s fine structurally; it just means the number of line items slightly overstates true independence.

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.

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On the risk‑return chart, the current portfolio sits below the efficient frontier, with a Sharpe ratio of 0.65. The Sharpe ratio compares return to volatility, like judging how much reward you get per unit of bumpiness. The optimal mix of these same holdings, without adding anything new, could theoretically achieve a much higher Sharpe (around 1.22) at slightly higher risk, while the minimum‑variance mix offers better risk‑adjusted returns with similar risk. This suggests the ingredients are good, but the current weights aren’t making full use of them. Re‑weighting within the existing ETFs could improve the balance between risk and expected return over time.

Ongoing product costs Info

  • Amundi Stoxx Europe 600 UCITS ETF C EUR 0.07%
  • Vanguard FTSE Emerging Markets UCITS ETF USD Accumulation 0.17%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Vanguard FTSE Developed Europe UCITS ETF EUR Accumulation 0.10%
  • VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF EUR 0.38%
  • Weighted costs total (per year) 0.16%

The average ongoing fee (TER) across the ETFs is about 0.16% per year, which is impressively low. TER is like a small annual service charge taken directly from the fund’s value. Over decades, costs compound just like returns, so keeping them low leaves more of the growth in the investor’s pocket. Almost all holdings here are cheap index trackers; only the dividend‑focused ETF is meaningfully higher, and even that is moderate by active‑fund standards. Overall, the cost structure is a real strength of this portfolio and supports better long‑run outcomes, especially given the growth‑oriented, all‑equity positioning.

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