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Confused world tracker with a secret crush on US mega cap tech heroes

Report created on Apr 23, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio looks like someone started with a boringly sensible global tracker then panicked and started adding “smart” stuff. Half the money sits in a plain ACWI fund, which already owns basically everything. Then 30% is bolted on as an extra S&P 500 slice, plus two factor side‑quests in emerging value and European momentum. In practice that’s one core global fund, one massive US overlay, and two 10% “I read one article on factors” add‑ons. The structure screams closet indexer with FOMO: either be a simple world tracker or be deliberate about tilts, but this is stuck in the mushy middle pretending to be sophisticated.

Growth Info

Historically, this Frankenstein actually worked out disturbingly well. A €1,000 stake morphed into €1,637 with a 22.1% CAGR, beating both the US and global benchmarks by a comfy margin. That’s road‑trip‑with-a-tailwind territory. Max drawdown of about -21% was painful but not catastrophic, and it even fell less than the US market. The fun detail: 90% of returns came from just 21 days, which means performance was basically a handful of adrenaline spikes, not a smooth glide path. Past returns are yesterday’s weather though — helpful context, sure, but not a promise the next storm behaves the same way.

Projection Info

The Monte Carlo projection basically says, “This might be fine… or not.” Simulations take the past rollercoaster of returns and remix them a thousand different ways to imagine 15 years ahead. Median outcome lands around €2,716 from €1,000, which is decent but nowhere near the recent 22% fantasy. The range is wide: from “barely broke even” at €968 (p5) to “lottery winner cosplay” near €7,686 (p95). The average simulated return of ~7.9% per year is far less glamorous than the backtest, which is exactly the point: the model sobers up the recent hype and reminds everyone that compounding is not a straight line.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is just a fancy way of saying “100% stocks and vibes.” No bonds, no cash, no alternatives — just a full‑equity bet dressed up as a “balanced” 4/7 risk score. For something labelled balanced, this is more like ordering a salad and getting a triple cheeseburger with extra bacon. Pure equity can work out great in good decades, but it also guarantees that when markets decide to throw a tantrum, this portfolio goes along for the full ride. The asset mix is simple, yes, but it’s simple in the way a one‑gear bicycle is simple: perfectly fine until you meet a hill.

Sectors Info

  • Technology
    28%
  • Financials
    18%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector mix shows a clear tech crush: 28% in technology, with financials and industrials trailing way behind. It’s not pure single‑sector madness, but the portfolio’s economic story is “tech first, everything else as backup dancers.” Health care, telecoms, and consumer stuff are present but not running the show. This is basically betting that the modern economy keeps revolving around chips, software, and platforms — which, fair, but it also means if the market ever remembers that valuations matter, this thing catches a cold fast. Sector spread is “acceptable with a tech addiction,” not truly balanced across different business cycles.

Regions Info

  • North America
    63%
  • Europe Developed
    17%
  • Asia Developed
    8%
  • Asia Emerging
    6%
  • Japan
    3%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically this screams “US or bust.” Roughly 63% sits in North America, with Europe getting 17% and the rest of the planet squabbling over scraps. Asia developed and emerging combined barely reach mid‑teens, and Latin America, Africa, and Australasia are background noise. For a portfolio flaunting a global ETF at 50%, the final look is hilariously US‑centric. This isn’t a world view; it’s a world map where one country is written in giant font and everything else is small print. If global leadership ever shifts or the dollar party cools off, this home‑country‑by-proxy tilt becomes very noticeable.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    35%
  • Mid-cap
    15%

Market cap profile: 50% mega‑caps, 35% large, 15% mid. So this isn’t a stock portfolio; it’s a fan club for the corporate Avengers. The giants are doing almost all the heavy lifting, leaving mid‑caps as a token “we’re diversified, we swear” gesture. That tilt toward mega keeps volatility somewhat contained but also makes returns hostage to a handful of household names. When the biggest players sneeze, this thing gets the flu. There’s near zero exposure to small caps, so don’t expect any under‑the‑radar growth stories here — just the usual giants marching in lockstep with the big indices.

True holdings Info

  • NVIDIA Corporation
    4.62%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    4.07%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.92%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    2.19%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.82%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.78%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Broadcom Inc
    1.56%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.51%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.36%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    1.14%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 22.97%

Look‑through holdings basically reveal the not‑so‑shocking plot twist: this is a shrine to the Magnificent Few. NVIDIA, Apple, Microsoft, Amazon, Alphabet (twice), TSMC, Broadcom, Meta, Tesla — they’re everywhere, duplicated across ETFs. That 4.62% in NVIDIA and 4.07% in Apple is just from top‑10 snapshots, so real exposure is almost certainly higher. Overlap is understated by design, meaning the portfolio is more concentrated in these mega‑names than the headline ETF list suggests. It pretends to be a diversified basket but is really betting that the same tiny group of giant companies keeps being right about the future.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 50.00%
    49.5%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 30.00%
    31.5%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.6%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc)
    Weight: 10.00%
    9.4%

Risk contribution is remarkably literal here: weights are the story. The ACWI fund is 50% of the portfolio and chips in about 49.5% of the risk. The S&P 500 at 30% weight pushes ~31.5% of risk. The two factor funds at 10% each contribute just under 10% each. No hidden time bombs, no tiny position blowing up the volatility chart — just the big blocks doing exactly what their sizes suggest. The top 3 positions cause over 90% of the total risk, which basically means the smaller slices are more decorative than decisive when markets really start swinging.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

The correlation section kindly confirms what was obvious: the S&P 500 ETF and the ACWI ETF move almost identically. Translation: a big chunk of this portfolio is paying twice to ride the same rollercoaster. Correlation is just a fancy word for “do these things move together,” and here the answer is very much yes. In a real crash, there’s no cavalry coming from that extra S&P slab; it’ll fall in line with the global fund, just with more US flavour. On paper, this looks like diversification. In practice, it’s like owning two copies of the same movie in different formats.

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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The efficient frontier chart is basically roasting the weighting choices. At this risk level, the current mix sits about 2.36 percentage points below what could be achieved using the same ingredients but smarter proportions. The max‑Sharpe setup hits 29% return with only slightly more risk, and even the minimum‑variance version manages almost the same return with less volatility. Sharpe ratio — return per unit of risk — for the current portfolio is 1.24 versus 1.8 at optimal. Translation: this setup is leaving performance on the table just by not arranging its existing pieces in a more rational way.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc) 0.25%
  • SPDR S&P 500 UCITS ETF USD Acc EUR 0.03%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.13%

Costs are the one area where this portfolio didn’t trip over its own feet. A blended TER of 0.13% is refreshingly sane — cheap enough that it’s not bleeding returns quietly in the background. The core S&P 500 fund at 0.03% is basically free with a logo, and even the factor funds are merely “meh” expensive, not outrageous. It’s like accidentally grabbing the store‑brand version that turns out to be just as good. There’s still some fee drag from the smarter‑sounding slices, but overall, expenses are one of the few decisions here that don’t need a raised eyebrow.

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