Globally diversified equity portfolio with strong recent growth and a tilt toward technology and large caps

Report created on May 24, 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 is very simple and focused: three equity ETFs make up 100% of the holdings. Around two‑thirds sits in a global all‑world fund, one‑fifth in a broad US market fund, and the rest in an emerging‑markets value ETF. This structure means most of the risk and return is driven by global stock markets, without any bonds or cash as stabilisers. A concentrated ETF list is easy to follow and avoids complexity from many small positions. The main implication is that diversification comes from what’s inside the ETFs, not from having lots of different funds. When markets rise, this kind of fully invested equity mix can participate strongly, but it also fully absorbs equity downturns.

Growth Info

Over the period shown, €1,000 grew to €1,749, which is a compound annual growth rate (CAGR) of 24.37%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. This comfortably beat both the US market and the broader global market benchmarks over the same time. The portfolio’s max drawdown of about -21% was slightly milder than the US market’s and similar to the global benchmark, showing it fell hard but not unusually so. The recovery from the low took around five months. Strong recent performance is encouraging, but it reflects a specific timeframe; past returns don’t guarantee that future growth will look similar.

Projection Info

The Monte Carlo projection simulates many possible 15‑year paths by remixing historical returns in thousands of different ways. It’s like running 1,000 alternate futures based on how markets have behaved before. The median result turns €1,000 into about €2,785, with most outcomes falling between roughly €1,870 and €4,223. A smaller slice of scenarios show much higher or much lower values. The average simulated annual return of 8.23% sits well below the recent historical figure, which is more realistic over long periods. These simulations are not predictions; they simply show a range of plausible outcomes if markets behave broadly in line with the past, which they may not.

Asset classes Info

  • Stocks
    100%

All of this portfolio is invested in stocks, with 0% in bonds, cash, or alternative assets. Equities are typically the main driver of long‑term growth, as they represent ownership in companies, but they also tend to swing more in the short term. Many broad benchmarks mix stocks with bonds to smooth the ride, whereas this structure stays fully in the equity lane. The risk classification as “balanced” reflects how it compares to other offerings, but within this report’s lens it behaves like a pure equity portfolio. The benefit is clear participation in global corporate growth; the trade‑off is feeling the full impact of equity bear markets without a built‑in buffer from other asset classes.

Sectors Info

  • Technology
    32%
  • Financials
    15%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Telecommunications
    9%
  • Health Care
    7%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is tilted toward technology at 32%, with financials, consumer discretionary, industrials, and telecoms making up sizeable secondary buckets. This is somewhat more tech‑heavy than many broad global indices, which have large but slightly lower tech shares. A bigger tech allocation often means more sensitivity to changes in interest rates and innovation cycles, as many companies in this space are priced on future growth. Smaller allocations to areas like utilities, real estate, and consumer staples mean less exposure to traditionally defensive sectors. During strong growth periods, this kind of tilt can help returns, while in phases where investors favour stability or income, it may lag more defensive mixes.

Regions Info

  • North America
    63%
  • Asia Developed
    12%
  • Europe Developed
    9%
  • Asia Emerging
    8%
  • Japan
    3%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, about 63% of the portfolio is in North America, with the rest spread across developed and emerging regions. This US‑leaning pattern is similar to many global equity benchmarks, where North America also dominates market value. Additional exposure to Asia (both developed and emerging), Europe, Japan, Latin America, and smaller regions adds meaningful global breadth. This allocation is well‑balanced and aligns closely with global standards, which helps reduce the impact of any single country’s economic or political shocks. Currency movements across these regions can still affect returns in €, though the large North American share means the portfolio will be particularly influenced by the US dollar over time.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    33%
  • Mid-cap
    14%

The portfolio leans strongly to mega‑cap and large‑cap companies, which together account for about 84% of the exposure, with 14% in mid‑caps and little, if any, in small caps. Large firms often have more diversified businesses, stronger balance sheets, and more analyst coverage, which can make their share prices somewhat more stable than smaller peers. This size profile is in line with many mainstream benchmarks, which are also dominated by the biggest global companies. The flip side is that the portfolio captures less of the potential higher growth and higher volatility often seen in small‑cap stocks. Overall, this size mix supports a relatively mainstream risk profile within the equity universe.

True holdings Info

  • NVIDIA Corporation
    4.75%
    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
    3.90%
    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)
  • Microsoft Corporation
    2.86%
    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.
    2.72%
    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
  • Amazon.com Inc
    2.49%
    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
    2.17%
    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
    1.87%
    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 C
    1.80%
    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)
  • Meta Platforms Inc.
    1.31%
    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)
  • SK Hynix Inc
    1.07%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Top 10 total 24.94%

Looking through ETF top‑10 holdings, several big names appear with meaningful combined weights, such as NVIDIA, Apple, Microsoft, and other major technology and internet companies. Overlap arises because the same large firms often sit in the top positions of multiple global and US index funds. This creates hidden concentration: even if no single ETF looks dominated by one stock, the portfolio as a whole can carry sizeable exposure to a handful of mega‑caps. Coverage here is under 30%, so true overlap is probably higher than the data shows. When these dominant companies do particularly well or poorly, they can noticeably sway overall portfolio performance beyond what the three‑fund structure suggests.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 65.00%
    64.0%
  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 20.00%
    20.7%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    15.3%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the three ETFs collectively explain essentially 100% of the risk, and each fund’s risk share closely matches its allocation. The global ETF at 65% weight contributes about 64% of risk, the US ETF at 20% about 21% of risk, and the EM value ETF at 15% about 15% of risk. This alignment suggests there are no stealthy, highly volatile positions dominating the risk profile beyond what the weights indicate. In practical terms, the portfolio’s behaviour is quite transparent: each ETF affects volatility roughly in line with how large it is in the mix.

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 analysis highlights that the US ETF and the global all‑world ETF move almost identically. Correlation measures how often assets move together; a value close to 1 means they tend to rise and fall in sync. Since the global fund already contains a large US component, adding a separate US fund reinforces that existing exposure rather than diversifying away from it. This doesn’t make the structure bad, but it means these two positions will usually respond similarly to market news, especially US‑related developments. True diversification benefits in this portfolio mainly come from the non‑US parts of the global ETF and the distinct return behaviour of emerging‑markets value stocks.

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 shows the best risk‑return combinations possible using different weightings of the current three holdings. The current portfolio has a Sharpe ratio of 1.37, a measure of return per unit of risk above the risk‑free rate. The optimal mix on this frontier reaches a higher Sharpe of 1.89 with more risk and return, while the minimum variance mix slightly lowers risk but improves Sharpe to 1.51. Because the existing allocation sits about 1 percentage point below the frontier at its risk level, the same three funds could be combined in a way that offers better risk‑adjusted returns. That said, the current profile is already in a generally efficient zone rather than being wildly off‑course.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.35%

The weighted ongoing cost (TER) of the portfolio is about 0.35% per year, with individual ETF fees ranging from 0.40% to 0.45%. TER, or Total Expense Ratio, is like a small yearly membership fee charged by each fund, quietly deducted from returns. For a fully global, factor‑tilted equity mix, this cost level is moderate and generally in line with many broad index ETF ranges. Over a single year, 0.35% is hardly noticeable, but over decades fees compound, so keeping them under control supports better long‑term outcomes. In this case, costs are reasonably contained, allowing the portfolio’s structure and market performance to be the main drivers of results rather than expenses.

What next?

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey