Broad global equity portfolio with strong regional tilts and room to fine tune risk and return balance

Report created on Apr 20, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is built entirely from equity ETFs, with a clear core‑satellite structure. The 30% position in a global all‑world fund and 20% in a broad US fund form a diversified core covering many countries and sectors. Around that, there are regional satellites in Europe, the UK, emerging markets, India, Latin America, and European banks. This kind of structure matters because the core shapes the overall behaviour, while satellites tilt the portfolio toward specific regions or themes. Here, satellites meaningfully increase exposure to Europe and emerging markets compared with a pure global index. That creates more distinct return drivers than a single global fund, while still keeping concentration in any one ETF relatively moderate.

Growth Info

From mid‑2018 to April 2026, €1,000 grew to about €2,246, a compound annual growth rate (CAGR) of 10.98%. CAGR is like your average speed on a road trip – it smooths out ups and downs into one yearly number. Over the same period, the US market returned 14.38% and the global market 11.55%, so this mix slightly lagged global and more clearly lagged the US. The maximum drawdown of about –31% during early 2020 was a sharp but fairly typical equity‑market fall, similar to the benchmarks. Performance has therefore been robust in absolute terms, with somewhat lower long‑term return than a pure US tilt but broadly in line with a diversified global style.

Projection Info

The Monte Carlo projection uses the portfolio’s past risk and return to simulate 1,000 different 15‑year futures. Think of it as rolling the dice on many possible market paths, not just assuming a straight line. The median outcome turns €1,000 into about €2,756, with a “likely” middle band between roughly €1,777 and €4,327. The wide possible range (around €991 to €7,972) shows how uncertain long‑term equity outcomes can be, even with the same average assumptions. The average simulated annual return of 8.16% is lower than the historical 10.98%, which is a conservative touch, but still only an estimate – real markets can be kinder or harsher than the model.

Asset classes Info

  • Stocks
    100%

Asset‑class exposure is straightforward: 100% in equities and 0% in bonds or cash. That means the portfolio is entirely tied to stock market behaviour, with no built‑in buffer from traditionally steadier assets. Compared with many “balanced” mixes that include bonds, this is more growth‑oriented and more sensitive to equity drawdowns. The risk classification of 4/7 still sits in the middle because the equity exposure is diversified globally and not heavily concentrated in a single niche. Overall, the all‑equity structure simplifies the portfolio’s story: long‑term growth potential from businesses worldwide, with the understanding that short‑term swings can be significant and are not cushioned by other asset classes.

Sectors Info

  • Financials
    23%
  • Technology
    19%
  • Industrials
    11%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Consumer Staples
    7%
  • Telecommunications
    7%
  • Basic Materials
    6%
  • Energy
    5%
  • Utilities
    4%
  • Real Estate
    2%

Sector exposure is broad, with financials (23%) and technology (19%) the two largest buckets, followed by industrials, health care, and consumer areas. Compared to many global indices where technology often dominates, this portfolio spreads more weight into financials and away from the very tech‑heavy style. That can behave differently when interest rates move: financials often react to rate changes in another way than tech companies do. A relatively even distribution across the remaining sectors supports diversification, since different industries tend to have their own cycles. Overall, the sector mix is well‑balanced and aligns closely with global standards, while the tilt toward financials adds a distinct flavour versus a pure tech‑driven portfolio.

Regions Info

  • North America
    39%
  • Europe Developed
    34%
  • Asia Emerging
    12%
  • Latin America
    6%
  • Asia Developed
    5%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, the portfolio is genuinely global but with clear regional tilts. Roughly 39% is in North America, which is a smaller share than in typical global indices, where the US often exceeds 60%. Europe developed markets make up about 34%, a noticeable overweight compared with global norms, supported by multiple Europe‑focused ETFs. Emerging Asia (12%) plus Latin America (6%) give meaningful developing‑market exposure, reinforced by dedicated India and Latin America funds. Smaller slices in Asia developed, Japan, Africa/Middle East, and Australasia round out the picture. This allocation is well‑balanced and aligns closely with global standards in terms of breadth, while intentionally leaning more toward Europe and emerging markets than a market‑cap‑weighted world index.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    35%
  • Mid-cap
    14%

By market size, about half the portfolio sits in mega‑cap companies, 35% in large caps, and 14% in mid caps. Mega‑caps are the world’s biggest listed firms, often more stable and heavily researched, while mid caps can be a bit more volatile but sometimes faster growing. This mix is similar to many global indices, which are naturally dominated by large and mega‑cap names. The smaller mid‑cap slice adds some diversification, as these companies may respond differently to economic shifts than giants do. Overall, the market‑cap profile leans toward established businesses rather than very small companies, keeping the risk profile closer to broad market behaviour rather than a small‑cap‑heavy approach.

True holdings Info

  • NVIDIA Corporation
    2.79%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
    • Vanguard S&P 500 UCITS ETF EUR
  • Apple Inc
    2.51%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
    • Vanguard S&P 500 UCITS ETF EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.90%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
    • Vanguard FTSE Emerging Markets UCITS
  • HSBC Holdings PLC
    1.90%
    Part of fund(s):
    • Vanguard FTSE 100 UCITS ETF
    • Vanguard FTSE Developed Europe UCITS
    • iShares Core MSCI Europe UCITS ETF EUR (Acc)
    • iShares STOXX Europe 600 Banks UCITS ETF (DE)
  • Microsoft Corporation
    1.87%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
    • Vanguard S&P 500 UCITS ETF EUR
  • Amazon.com Inc
    1.34%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
    • Vanguard S&P 500 UCITS ETF EUR
  • AstraZeneca PLC
    1.23%
    Part of fund(s):
    • Vanguard FTSE 100 UCITS ETF
    • Vanguard FTSE Developed Europe UCITS
    • iShares Core MSCI Europe UCITS ETF EUR (Acc)
  • Alphabet Inc Class A
    1.15%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
    • Vanguard S&P 500 UCITS ETF EUR
  • Shell plc
    1.10%
    Part of fund(s):
    • Vanguard FTSE 100 UCITS ETF
    • Vanguard FTSE Developed Europe UCITS
    • iShares Core MSCI Europe UCITS ETF EUR (Acc)
  • Broadcom Inc
    0.98%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
    • Vanguard S&P 500 UCITS ETF EUR
  • Top 10 total 16.77%

The look‑through data, based on ETF top‑10 holdings, covers about a third of the portfolio and shows familiar global leaders. NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Broadcom highlight a strong indirect exposure to major US tech and growth names. On the non‑US side, big positions like TSMC, HSBC, AstraZeneca, and Shell stand out. Several of these companies appear in multiple ETFs, which creates overlap: for instance, Apple or Microsoft can be held via both the S&P 500 fund and the all‑world fund. That kind of repetition means the true exposure to some giants is higher than any single ETF weight suggests, slightly increasing concentration in a small group of global mega‑caps.

Risk contribution Info

  • Vanguard FTSE All-World UCITS
    Weight: 30.00%
    28.5%
  • Vanguard S&P 500 UCITS ETF EUR
    Weight: 20.00%
    20.3%
  • Vanguard FTSE Emerging Markets UCITS
    Weight: 10.00%
    10.2%
  • Vanguard FTSE Developed Europe UCITS
    Weight: 10.00%
    9.5%
  • Vanguard FTSE 100 UCITS ETF
    Weight: 10.00%
    9.4%
  • Top 5 risk contribution 77.9%

Risk contribution looks at how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, the three largest funds – the all‑world ETF, S&P 500 ETF, and emerging markets ETF – make up 60% of the weight and contribute about 59% of total risk. Their risk/weight ratios are close to 1, meaning they are not disproportionately volatile relative to size. The two European core funds also have slightly lower risk/weight than 1, suggesting fairly steady behaviour for equity funds. This pattern shows that risk is spread broadly across the main core positions, rather than one smaller but very volatile satellite dominating the portfolio’s movements.

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 risk‑return chart compares the current mix with the efficient frontier, which shows the best expected return for each risk level using only these holdings. The current portfolio has expected return of 11.74% with 14.95% risk and a Sharpe ratio of 0.52. Sharpe ratio measures return earned per unit of risk, after adjusting for a risk‑free rate – higher means better risk‑adjusted payoff. The optimal mix of these same ETFs, with maximum Sharpe of 0.84, lies above the current point. At today’s risk level, the portfolio sits about 1.1 percentage points below the frontier, meaning a different weighting of the same funds could, in theory, offer a more efficient trade‑off without adding new products.

Dividends Info

  • iShares STOXX Europe 600 Banks UCITS ETF (DE) 3.60%
  • Vanguard S&P 500 UCITS ETF EUR 0.20%
  • Vanguard FTSE Developed Europe UCITS 3.10%
  • Weighted yield (per year) 0.53%

Dividend data suggests an overall yield of around 0.53%, which is modest for a global equity mix. Yield reflects cash distributions as a percentage of portfolio value, and can be an important part of total return over time. The European developed and bank ETFs show higher yields (around 3%–3.6%), while the S&P 500 ETF’s yield is much lower, consistent with US markets where more return often comes from price growth than income. Because several ETFs here are accumulating or focus on total return, a chunk of value comes through reinvested profits rather than high visible payouts. This setup leans more toward growth than income, even with some income‑oriented components.

Ongoing product costs Info

  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.12%
  • iShares STOXX Europe 600 Banks UCITS ETF (DE) 0.46%
  • Vanguard FTSE Emerging Markets UCITS 0.17%
  • Vanguard S&P 500 UCITS ETF EUR 0.07%
  • iShares IV Public Limited Company - iShares MSCI India UCITS ETF 0.65%
  • iShares MSCI EM Latin America UCITS ETF USD (Dist) 0.74%
  • Vanguard FTSE Developed Europe UCITS 0.10%
  • Vanguard FTSE 100 UCITS ETF 0.09%
  • Vanguard FTSE All-World UCITS 0.19%
  • Weighted costs total (per year) 0.21%

Costs are a clear strength. The total ongoing charge (TER) across funds is about 0.21% per year, which is impressively low for such a globally diversified, multi‑ETF portfolio. TER is the annual fee each fund charges, taken directly out of performance, so lower numbers help more of the gross return reach the investor. Most holdings are low‑cost index trackers, with only a couple of regional exposures (India and Latin America) charging higher fees typical for their niche. Over long periods, the difference between a 0.2% and, say, 0.8% fee structure can add up significantly. Here, the cost base supports better long‑term performance by minimising drag.

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