Globally diversified equity portfolio with strong growth bias and efficient risk adjusted positioning

Report created on Apr 9, 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

The portfolio is a clean three-fund, 100% equity setup: a broad global developed fund at 80%, emerging markets at 10%, and global small caps at 10%. That means every euro is in stocks, with no bonds or cash buffers inside the strategy itself. This kind of structure is simple, transparent, and easy to maintain over time. Because all three pieces are globally spread, you’re effectively holding thousands of companies worldwide. The key takeaway is that this is a pure growth portfolio: return potential is high, but so are the swings, so day‑to‑day and year‑to‑year volatility will be very noticeable.

Growth Info

From 2018 to early 2026, €1,000 grew to about €2,360, which means a compound annual growth rate (CAGR) of 11.33%. CAGR is like your portfolio’s “average speed” per year over the whole journey. That’s very close to the global market benchmark and only slightly behind it, which is a strong result for such a simple setup. The maximum drawdown of around -34% during early 2020 was deep but similar to the benchmarks, showing it behaved like a typical global equity portfolio. The main lesson: this mix has historically tracked “the market” well, with solid long‑term results but big temporary drops.

Projection Info

The Monte Carlo simulation projects many possible 15‑year paths by remixing patterns from past data. Think of it as running the future 1,000 different ways to see a range of outcomes, not a prediction of any single one. The median result grows €1,000 to around €2,753, with an annualized expected return of about 7.93%. There’s also a wide possible range, from roughly breaking even in bad scenarios to strong compounding in good ones. The key point: long‑term odds tilt positive, but there’s meaningful risk that returns could be much lower or arrive with big volatility. Past patterns may not repeat, so these numbers are only rough guides.

Asset classes Info

  • Stocks
    100%

All assets here are equities, with 0% in bonds, cash, or alternatives. Asset classes are the broad building blocks of a portfolio, and mixing them usually smooths the ride because different assets respond differently to economic shocks. Being 100% in stocks maximizes exposure to global business growth, but also leaves returns highly sensitive to market cycles, interest rates, and investor sentiment. This setup is typically more suitable for long horizons where an investor can ride out crashes without needing to sell. If stability or shorter‑term spending needs were important, adding other asset classes outside this portfolio would usually be how to reduce risk.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is fairly broad, with technology the largest piece at about 25%, followed by financials, industrials, and consumer areas. That tech tilt is slightly heavier than many global benchmarks, which helps in growth‑driven, low‑rate environments but can hurt when interest rates rise or sentiment turns against high‑growth companies. The rest of the sectors are reasonably balanced, so the portfolio is not an extreme “one‑theme” bet. The main implication is that returns will be noticeably influenced by how large tech and related industries perform, but the spread across financials, health care, consumer businesses, and more keeps things sensibly diversified.

Regions Info

  • North America
    66%
  • Europe Developed
    15%
  • Japan
    6%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, roughly two‑thirds of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions. That North America share is in line with global market capitalization, so it closely mirrors how the world’s stock markets are weighted. This alignment is a real strength: it avoids heavy home bias and gives broad exposure to different economies and currencies. The smaller allocations to emerging and less‑represented regions add some extra growth potential and diversification, but won’t dominate performance. Overall, this is a well‑balanced global footprint that matches common index‑based best practices.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    31%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    1%

By market cap, most exposure is in mega‑ and large‑cap companies, with meaningful but smaller allocations to mid, small, and even micro‑caps. Market capitalization is just the size of a company in the stock market; mixing sizes blends stability and growth. Bigger firms tend to be more established and a bit steadier, while smaller ones can be more volatile but offer higher potential upside over long periods. The deliberate 10% allocation to small caps lifts that growth and volatility slightly compared with a pure large‑cap index. This structure is quite healthy: a strong core in large companies with a measured tilt toward smaller businesses.

True holdings Info

  • NVIDIA Corporation
    4.04%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Apple Inc
    3.64%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Microsoft Corporation
    2.60%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Amazon.com Inc
    1.89%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class A
    1.70%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class C
    1.42%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Broadcom Inc
    1.35%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Meta Platforms Inc.
    1.32%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.16%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Tesla Inc
    1.07%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Top 10 total 20.19%

Looking through the ETFs, the biggest underlying positions are familiar global giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. Several of these appear across multiple funds, so their true influence is larger than any single ETF line might suggest. This is a form of “hidden concentration”: even though no single stock is held directly, a handful of mega‑caps drive a big chunk of returns. That’s common in global index tracking today, not necessarily bad, but it does mean the portfolio is more exposed to the fortunes of a small group of large tech‑related names than the fund list alone implies.

Risk contribution Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Weight: 80.00%
    79.8%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    10.8%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 10.00%
    9.4%

Risk contribution shows how much each holding actually drives the portfolio’s ups and downs, which can differ from simple weights. Here, the main global ETF at 80% weight contributes about 80% of overall risk, while the small‑cap and emerging markets funds each contribute roughly their size, with small caps slightly more. That’s very intuitive and suggests no hidden “risk bomb” where a small position dominates volatility. All three positions together account for 100% of risk, and none is wildly out of line with its share. For someone happy with a global‑equity risk profile, this is a clean, well‑proportioned setup.

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.

On the risk‑return chart, the current portfolio sits on or very near the efficient frontier. The efficient frontier is the curve showing the best possible return for each risk level using just these holdings in different mixes. The current Sharpe ratio — a measure of return per unit of risk — is 0.6, compared with 0.74 for the optimal mix and 0.68 for the minimum‑variance mix. The gaps are small, meaning this allocation is already using these three funds in a very efficient way. Reweighting could fine‑tune things slightly, but there’s no obvious structural inefficiency to fix.

Ongoing product costs Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • Weighted costs total (per year) 0.21%

Total ongoing costs are impressively low, with a weighted total expense ratio (TER) of about 0.21% per year. TER is the annual fee the fund charges behind the scenes; shaving even a few tenths of a percent can add a lot over decades. These levels are very competitive for broad, global ETFs and line up well with cost‑efficient best practices. Lower costs mean more of the portfolio’s gross return stays in your pocket instead of going to fees, which is one of the few things an investor can actually control. As a foundation for long‑term investing, this cost structure is a real strength.

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