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Balanced global equity portfolio blending broad market exposure with value tilts and strong tech presence

Report created on Jul 10, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is a four‑ETF, 100% equity mix that blends broad global coverage with explicit value tilts. Over half sits in a global all‑country ETF, giving wide exposure across regions and sectors in a single holding. The remaining three funds layer on targeted exposures: one to the US large‑cap market, and two factor funds focusing on value in global developed and emerging markets. Structurally, this is a fairly simple portfolio, but with a clear tilt toward cheaper‑priced stocks compared with a pure market index. That combination of a big diversified core plus focused satellites often leads to performance that can differ meaningfully from broad global benchmarks, both positively and negatively, over time.

Growth Info

Over the period from November 2023 to July 2026, a hypothetical €1,000 in this portfolio grew to about €1,844. That translates to a Compound Annual Growth Rate (CAGR) of 25.58%, which is how much it grew per year on average, similar to an average speed on a road trip. This outpaced both the US market and global market benchmarks by roughly 4 percentage points a year. The worst peak‑to‑trough fall, or max drawdown, was about ‑20.7%, slightly smaller than the US market’s drop. These results show strong recent performance with drawdowns in line with a diversified equity portfolio, but they are specific to an unusually strong market period and cannot be assumed going forward.

Projection Info

The Monte Carlo projection uses historical returns and volatility to simulate 1,000 possible 15‑year paths for the portfolio, like running many alternate futures. The median outcome turns €1,000 into about €2,768, with a “likely” middle range between roughly €1,778 and €4,131. Extreme but still plausible outcomes span from around €946 to €7,355. The average annualized return across all simulations is 7.93% per year, far below the recent historical CAGR, highlighting how the model builds in more normal long‑term conditions. These simulations are not forecasts; they simply show a spread of potential outcomes if markets behave broadly like the data used, which they may not.

Asset classes Info

  • Stocks
    100%

All of the portfolio is invested in stocks, with no allocation to bonds, cash, or alternative assets. That means return potential is tied entirely to equity markets, without the dampening effect that fixed income or cash can provide in downturns. Compared with many “balanced” portfolios that mix stocks and bonds, this structure is more growth‑oriented and likely more volatile. On the other hand, using diversified global and factor equity ETFs still spreads risk across thousands of individual companies. The key implication is that ups and downs will track equity cycles quite closely; there is little built‑in stabilizer beyond diversification within the stock market itself.

Sectors Info

  • Technology
    36%
  • Financials
    15%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector‑wise, the portfolio is notably tech‑heavy, with technology around 36% of the equity exposure. That’s higher than many broad global indices, reflecting how large and influential major tech firms have become. Financials, industrials, and consumer discretionary each play a secondary role, while telecommunications, health care, and energy round out mid‑sized slices. Smaller allocations to consumer staples, materials, utilities, and real estate provide some balance but do not dominate. Tech‑heavy portfolios often benefit when innovation themes and growth expectations are strong, but they can see sharper swings when interest rates rise or sentiment turns against high‑growth business models, so sector cycles can have an outsized impact.

Regions Info

  • North America
    59%
  • Europe Developed
    12%
  • Asia Developed
    12%
  • Asia Emerging
    7%
  • Japan
    6%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, the portfolio leans toward North America at 59%, but still holds meaningful exposure across other regions. Developed Europe and developed Asia each account for about 12%, with Japan at 6% and emerging Asia at 7%, plus smaller slices in Latin America, Africa/Middle East, Australasia, and emerging Europe. This spread is broadly in line with global equity benchmarks, where North America is also dominant, and helps diversify economic and currency drivers. The presence of dedicated emerging market value exposure adds a distinct regional and style flavor compared with a pure global index, meaning returns may diverge during periods when emerging markets or value stocks behave differently from developed markets.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    34%
  • Mid-cap
    15%
  • Small-cap
    1%

By market capitalization, the portfolio is anchored in larger companies, with about 48% in mega‑caps and 34% in large‑caps. Mid‑caps represent roughly 15%, and small‑caps only around 1%. This structure is similar to many global indices, where the biggest companies naturally take up most of the weight. Larger firms tend to be more established and often less volatile than very small companies, though they are still fully exposed to market swings. The relatively small small‑cap slice means the portfolio is less sensitive to the often more erratic behavior of tiny firms. Instead, performance is likely driven by well‑known global leaders whose fortunes track broad economic and sector trends.

True holdings Info

  • NVIDIA Corporation
    3.88%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Apple Inc.
    3.50%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.84%
    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
  • Microsoft Corporation
    2.46%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Micron Technology Inc
    2.05%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Amazon.com Inc
    2.00%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class A
    1.66%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Broadcom Inc
    1.56%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Samsung Electronics Co Ltd
    1.46%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Alphabet Inc Class C
    1.37%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Top 10 total 22.77%

Looking through ETF top‑10 holdings, a few big names repeatedly appear across funds, creating hidden concentration. NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Taiwan Semiconductor are all significant exposures, with individual look‑through positions in the low single digits that add up across ETFs. For example, NVIDIA shows a total exposure of about 3.9%, and Apple around 3.5%. Because only ETF top‑10s are visible, overlap is likely understated. This means that while the portfolio holds thousands of stocks overall, the largest global tech and semiconductor names still drive a meaningful share of its behavior, especially during periods when these giants lead or lag the broader market.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 55.00%
    53.9%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    16.8%
  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 15.00%
    15.2%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 15.00%
    14.1%

Risk contribution measures how much each holding adds to the portfolio’s overall ups and downs, which can differ from simple weights. The global ACWI ETF, at 55% weight, contributes about 54% of the portfolio’s risk, so it behaves roughly in line with its size. The emerging markets value ETF, at 15% weight, contributes nearly 17% of risk, showing slightly higher risk intensity—common for emerging and factor strategies. The S&P 500 and world value ETFs contribute risk almost exactly in line with their weights. Overall, the top three positions account for about 86% of total portfolio risk, underscoring that most volatility is driven by the biggest core and satellite holdings.

Redundant positions Info

  • State Street SPDR S&P 500 UCITS ETF (Acc)
    SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    High correlation

The correlation data highlights that the S&P 500 ETF and the global ACWI ETF move almost identically. Correlation, in simple terms, measures how assets move together; a value close to 1 means they tend to rise and fall at the same time. Because both are broad, large‑cap heavy, and heavily exposed to US companies, their historical paths have been very similar. This limits the diversification benefit between those two specific funds, even though they do not hold exactly the same stocks. The more distinct diversification in this portfolio likely comes from the value factor funds and emerging markets exposure rather than from holding two broad large‑cap global and US index funds side by side.

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 compares the portfolio’s current risk/return mix to other combinations using the same four holdings. The Sharpe ratio—return minus risk‑free rate divided by volatility—summarizes risk‑adjusted performance; higher is better. The current portfolio has a Sharpe of 1.46, while the max‑Sharpe “optimal” mix reaches 1.93, and the minimum‑variance mix sits at 1.65. At the current risk level, the portfolio lies about 1.81 percentage points below the efficient frontier. That means, based on historical data, simply reweighting these same ETFs could have achieved higher return for the same risk, or similar return for slightly lower risk, without changing the underlying building blocks.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • State Street SPDR S&P 500 UCITS ETF (Acc) 0.03%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.18%

The average ongoing fee, or Total Expense Ratio (TER), for this portfolio is about 0.18% per year. TER is the fund’s annual running cost, taken inside the ETF, a bit like a management fee that slightly reduces performance versus the underlying index. For a globally diversified, factor‑tilted equity mix, this blended cost is impressively low and compares favorably to many active funds. Lower costs mean less performance is “eaten” by fees each year, which can add up meaningfully over long periods due to compounding. This cost profile provides a strong structural foundation, allowing more of the portfolio’s gross returns—whether strong or weak in any given year—to flow through to the holder.

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