Globally diversified equity portfolio with strong historical returns and moderate risk for long term growth

Report created on Apr 12, 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 built from three equity ETFs: a global all‑country fund as the core, a sizeable US market fund, and a smaller emerging markets value tilt. The global ETF at 70% acts as a broad backbone, while 20% in a US index and 10% in an emerging markets value fund add extra flavour. Structurally, this is a simple and easy‑to‑maintain setup, since everything is in diversified funds rather than single stocks. A concentrated but sensible fund lineup like this can be easier to monitor and understand than a long list of tiny positions, which often just add complexity without much extra diversification.

Growth Info

Over the recent period, €1,000 grew to about €1,558, giving a compound annual growth rate (CAGR) near 19.9%. CAGR is like the “average speed” of growth per year, smoothing the ups and downs. This slightly beat both the US and global market benchmarks, which is encouraging. The worst peak‑to‑trough fall, or max drawdown, was about -21.5%, roughly in line with global markets and a bit gentler than the US. That combination of slightly higher return with comparable downside suggests the structure has worked well so far, but it’s still all equities, so big swings remain very possible. Past performance is not a guide to future results.

Projection Info

The Monte Carlo simulation uses historical return and volatility patterns to generate many random “what if” paths for the next 15 years. Think of it as running 1,000 alternate futures based on how similar portfolios have behaved before. The median outcome grows €1,000 to about €2,701, with most scenarios landing between roughly €1,730 and €4,102. There’s still a meaningful chance of ending close to or even below the starting value, which shows the uncertainty in long‑term equity investing. Simulations are helpful for framing ranges, not promises: markets can behave very differently from the past, especially over long horizons or during unusual economic environments.

Asset classes Info

  • Stocks
    100%

All of the portfolio sits in stocks, with 0% in bonds, cash, or alternatives. That makes the growth potential higher over the long term than a mixed stock‑bond blend, but also increases the size and frequency of short‑term drops. For a “balanced” risk profile, this is on the growthier side, because most balanced portfolios mix in some defensive assets to cushion downturns. The upside is simplicity and strong alignment with long‑term capital growth. The trade‑off is that drawdowns like the recent -21% episode are part of the ride, and in a severe bear market, losses could be significantly larger before any recovery.

Sectors Info

  • Technology
    29%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is tilted toward technology at around 29%, with financials, industrials, and consumer‑related areas following behind. This is broadly similar to many global equity benchmarks today, which are also tech‑heavy due to the size of big global platforms and chipmakers. A tech‑leaning portfolio often benefits when innovation and growth stocks lead, but it can be more sensitive to interest rate rises, regulation, or sentiment shifts around “big tech.” The rest of the sectors are well spread out, which helps overall diversification. This sector mix is quite aligned with global norms, giving comfort that it’s not making an extreme thematic or niche bet.

Regions Info

  • North America
    66%
  • Europe Developed
    10%
  • Asia Developed
    8%
  • Asia Emerging
    7%
  • Japan
    4%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, about two‑thirds of the exposure is in North America, with the rest spread across developed Europe, Asia, Japan, and emerging markets. That North American tilt is close to global market weights today, where US and Canadian companies dominate world indices. A benefit of this is alignment with the primary engine of equity returns over the last decade. The trade‑off is that outcomes are strongly linked to one economic region and currency zone. The smaller positions in Asia, emerging markets, and other regions still add valuable diversification, but the portfolio’s fate is largely tied to how North American markets perform over time.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    35%
  • Mid-cap
    15%

The bulk of the portfolio sits in mega‑cap and large‑cap companies, with a smaller 15% slice in mid‑caps. This means most exposure is to mature, globally established firms, which tend to be more stable than small‑caps but can be less explosive during strong bull markets. Large companies also often have better access to financing and diversified revenue streams, making them somewhat more resilient in economic slowdowns. The limited mid‑cap allocation still introduces some extra growth and diversification, since these companies can behave differently from the giants. Overall, the size mix is very much in line with broad global index investing, which is a solid, mainstream approach.

True holdings Info

  • NVIDIA Corporation
    4.57%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    4.15%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.98%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.15%
    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
    2.14%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.91%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.60%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.54%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.49%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    1.21%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 23.74%

Looking through the ETFs, the biggest underlying positions are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and others. Several of these appear in more than one ETF, so their true influence is larger than any single fund’s weight suggests. This kind of overlap creates hidden concentration: if a few giant companies have a bad spell, the portfolio might feel it more than expected. Only top‑10 ETF holdings are captured here, so overlap is likely understated. Being aware that many eggs sit in the same handful of global giants helps set expectations about how tied performance is to those large companies’ fortunes.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 70.00%
    69.3%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 20.00%
    21.1%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.6%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the global ETF at 70% weight contributes about 69% of risk, the US ETF at 20% contributes ~21%, and the emerging markets value ETF at 10% contributes ~10%. Those ratios are very close to their allocations, meaning no single fund is secretly dominating the volatility. This is a positive sign: the risk is shared roughly in line with how much capital is invested in each position. If one ETF were contributing far more risk than its weight, that would signal a hidden concentration to review.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

The US market ETF and the global ACWI ETF are flagged as highly correlated, meaning they tend to move almost identically day to day. Correlation is a measure of how often assets go up or down together. When two funds are very closely linked, holding both doesn’t add much diversification during market sell‑offs; they’re likely to drop at the same time. In this case, the US ETF is essentially doubling down on a region that’s already a big slice of the global fund. That’s not automatically a bad thing, but it’s good to recognise that the 20% US allocation is more of a tilt than a diversifier.

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 shows the current mix delivers strong returns but sits about 2 percentage points below the efficient frontier at its risk level. The efficient frontier is the curve of best possible returns for each risk level using these same holdings in different weights. A Sharpe ratio of 1.1 for the current setup is decent, but the optimal mix reaches about 1.65 by taking somewhat higher risk for a clearly higher expected return. The minimum‑variance mix even slightly improves risk‑adjusted return without changing risk much. This suggests that, using only these three ETFs, a different weighting could squeeze more out of the same ingredients.

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) 0.36%

The total ongoing fee, or TER, across the portfolio comes out around 0.36% per year. TER is the annual percentage taken by the funds to cover management and running costs, quietly deducted from performance. For an all‑equity, globally diversified setup with a smart‑beta emerging markets sleeve, this fee level is quite reasonable. Lower costs mean more of the market’s return stays in the investor’s pocket, especially when compounding over decades. While there might be slightly cheaper plain‑vanilla options for some pieces, the overall cost structure is lean and supports good long‑term outcomes rather than dragging heavily on performance.

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