Broad global equity portfolio blending world Europe and growth heavy Nasdaq exposure
Report created on Jul 10, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
EU iShares Core MSCI Europe UCITS ETF EUR (Acc)
EUNK - IE00B4K48X80 40.00% -
VW Vanguard FTSE All-World UCITS ETF EUR
VWRL - IE00B3RBWM25 40.00% -
EQ Invesco EQQQ NASDAQ-100 UCITS ETF Acc
EQQB - IE00BFZXGZ54 20.00%
This portfolio is made up of three equity ETFs, with no bonds or cash-like assets. Two broad funds split evenly between global stocks and European stocks at 40% each, while a 20% satellite position targets a concentrated growth index. This structure mixes a diversified global core with a more focused growth tilt. Having everything in stocks keeps the portfolio straightforward and fully invested in markets. The absence of defensive assets means portfolio swings will broadly track equity markets. The blend of a Europe-focused fund with a global fund also slightly increases European influence compared with world-market norms, which typically give a larger share to North America and a smaller share to Europe.
Growth
Over the period from early 2022 to mid‑2026, €1,000 grew to about €1,742, giving a compound annual growth rate (CAGR) of 13.34%. CAGR is like average speed on a road trip, smoothing out ups and downs into a single yearly figure. The portfolio’s biggest drop from peak to bottom, or max drawdown, was around ‑20.10%, which is meaningful but normal for an all‑equity mix. Compared with benchmarks, it slightly lagged the US market by 0.89 percentage points per year but modestly beat the global market by about 0.51 points. That pattern fits with a blend that is global but not as heavily tilted to the US as pure US indices.
Projection
The forward projection uses a Monte Carlo simulation, which is like running the future 1,000 different ways based on past return and volatility patterns. Each path shuffles monthly or daily moves randomly while keeping overall characteristics similar to history. After 15 years, the median outcome grows €1,000 to about €2,865, with most scenarios (p25–p75) landing between roughly €1,844 and €4,239. Extreme paths range from near breakeven to strong growth. Monte Carlo doesn’t “predict” a single future; it maps a probability spread. Because it relies on historical behavior and assumptions about risk, real‑world results can end up outside these ranges, especially during unusual market regimes.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with 0% in bonds, real estate funds, or cash equivalents. That makes the asset‑class picture very simple: fully exposed to equity market growth and equity market risk. In broad market terms, balanced portfolios often mix stocks and bonds, while pure‑equity mixes accept larger swings in exchange for potentially higher long‑term returns. This portfolio therefore leans clearly toward growth assets instead of income or stability assets. The benefit is straightforward participation in company earnings and global economic trends. The trade‑off is that there is no built‑in buffer from more defensive asset classes when markets go through sharp corrections or recessions.
Sectors
- Technology 27%
- Financials 16%
- Industrials 13%
- Health Care 9%
- Consumer Discretionary 9%
- Telecommunications 8%
- Consumer Staples 7%
- Basic Materials 4%
- Energy 4%
- Utilities 3%
- Real Estate 1%
Sector exposure is tilted toward technology at 27%, with financials and industrials together making up another substantial slice. Health care, consumer discretionary, telecom, and consumer staples round out mid‑sized allocations, while basic materials, energy, utilities, and real estate stay relatively small. Compared with many broad global indices, this mix is moderately tech‑heavy, partly because of the dedicated Nasdaq allocation. Tech‑oriented portfolios tend to benefit when innovation and growth stories are rewarded, but can feel more impact during periods of rising interest rates or when investors rotate toward cheaper, slower‑growth areas. The relatively balanced spread across other sectors helps keep the portfolio from being entirely dominated by one industry theme.
Regions
- North America 46%
- Europe Developed 45%
- Asia Developed 3%
- Japan 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is almost evenly split between North America (46%) and developed Europe (45%), with the remaining 9% spread across Japan, developed Asia, emerging Asia, Australasia, Latin America, and Africa/Middle East. By comparison, global indices typically give North America a larger share and Europe a smaller one. This means company and currency exposure is more balanced between these two developed regions than in a purely global fund. A benefit is that results are not tied solely to one economy or policy environment. The flip side is slightly less exposure to regions that have driven a big part of equity returns in recent years, particularly the largest US companies. Emerging markets remain a relatively small slice here.
Market capitalization
- Mega-cap 52%
- Large-cap 35%
- Mid-cap 13%
The market‑cap breakdown shows a strong focus on larger companies: 52% in mega‑caps and 35% in large‑caps, with only 13% in mid‑caps and essentially no small‑cap representation. Market capitalization is simply the total value of a company’s shares, and mega‑caps tend to be well‑known global brands. Portfolios dominated by big companies often show more stability and liquidity than those tilted to smaller, more volatile firms. However, they can also be more closely aligned with headline indices, meaning performance may track broad markets quite closely. The modest mid‑cap exposure adds some diversification, but the main drivers of returns and risk are the world’s largest listed businesses, particularly in developed markets.
True holdings
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NV NVIDIA Corporation 3.51%
Part of fund(s):- Invesco EQQQ NASDAQ-100 UCITS ETF Acc
- Vanguard FTSE All-World UCITS ETF EUR
-
AA Apple Inc. 3.16%
Part of fund(s):- Invesco EQQQ NASDAQ-100 UCITS ETF Acc
- Vanguard FTSE All-World UCITS ETF EUR
-
MS Microsoft Corporation 2.33%
Part of fund(s):- Invesco EQQQ NASDAQ-100 UCITS ETF Acc
- Vanguard FTSE All-World UCITS ETF EUR
-
AM Amazon.com Inc 1.91%
Part of fund(s):- Invesco EQQQ NASDAQ-100 UCITS ETF Acc
- Vanguard FTSE All-World UCITS ETF EUR
-
AS ASML Holding N.V. 1.79%
Part of fund(s):- iShares Core MSCI Europe UCITS ETF EUR (Acc)
-
GO Alphabet Inc Class A 1.54%
Part of fund(s):- Invesco EQQQ NASDAQ-100 UCITS ETF Acc
- Vanguard FTSE All-World UCITS ETF EUR
-
AV Broadcom Inc 1.46%
Part of fund(s):- Invesco EQQQ NASDAQ-100 UCITS ETF Acc
- Vanguard FTSE All-World UCITS ETF EUR
-
GO Alphabet Inc Class C 1.33%
Part of fund(s):- Invesco EQQQ NASDAQ-100 UCITS ETF Acc
- Vanguard FTSE All-World UCITS ETF EUR
-
TS Tesla Inc 1.16%
Part of fund(s):- Invesco EQQQ NASDAQ-100 UCITS ETF Acc
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard FTSE All-World UCITS ETF EUR
-
MU Micron Technology Inc 0.96%
Part of fund(s):- Invesco EQQQ NASDAQ-100 UCITS ETF Acc
- Top 10 total 19.15%
Looking through the ETFs, the biggest underlying positions include well‑known global technology and growth names such as NVIDIA, Apple, Microsoft, Amazon, ASML, Alphabet, Broadcom, Tesla, and Micron. Each of these appears via ETFs rather than direct holdings, with the largest single underlying name just above 3.5% of the portfolio. Several companies show up in more than one ETF, which creates overlap and slightly higher concentration than fund weights alone suggest. Because only ETF top‑10 holdings are used, this overlap is likely understated; many of the same large firms probably sit just outside the top‑10 lists as well. This pattern is typical of global equity portfolios with a growth and large‑cap tilt.
Risk contribution
-
Vanguard FTSE All-World UCITS ETF EUR
Weight: 40.00% 38.2% -
iShares Core MSCI Europe UCITS ETF EUR (Acc)
Weight: 40.00% 36.3% -
Invesco EQQQ NASDAQ-100 UCITS ETF Acc
Weight: 20.00% 25.6%
Risk contribution shows how much each holding drives the overall ups and downs, which can differ from simple weights. Here, the global ETF and the Europe ETF each carry 40% weight but contribute about 38% and 36% of total risk, respectively. The Nasdaq‑focused ETF is 20% of the portfolio yet contributes roughly 25.6% of risk, so it pulls more than its weight in terms of volatility. This usually reflects higher price swings in that growth‑oriented index. When a smaller position adds a larger share of risk, it becomes a key driver of how the portfolio behaves day to day. All three positions together account for 100% of risk, with no hidden contributors outside these funds.
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 efficient frontier chart compares risk and return for different mixes of the existing holdings. The current portfolio shows a Sharpe ratio of 0.69, where the Sharpe ratio measures risk‑adjusted return—how much extra return you get per unit of volatility above a 4% risk‑free rate. The optimal mix of these three ETFs, in hindsight, reaches a higher Sharpe ratio of 0.93 with more return and higher risk, while the minimum‑variance mix still improves risk‑adjusted returns at similar risk. The report notes that the current allocation sits on or very near the efficient frontier, meaning for its chosen risk level it’s already using these holdings in a broadly efficient way without obvious imbalance.
Ongoing product costs
- Invesco EQQQ NASDAQ-100 UCITS ETF Acc 0.30%
- iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.12%
- Vanguard FTSE All-World UCITS ETF EUR 0.19%
- Weighted costs total (per year) 0.18%
The blended ongoing fee, or total expense ratio (TER), is about 0.18% per year across the three ETFs. TER is the annual cost charged by the fund manager, taken out of the fund’s assets, similar to a small yearly membership fee. In the context of diversified equity ETFs, this level is impressively low and in line with many cost‑efficient index products. Lower fees mean more of the portfolio’s gross return stays in the investor’s hands over time. While a few tenths of a percent can seem minor in a single year, they compound significantly over long periods. Keeping costs restrained is a structural strength of this portfolio’s design.
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