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Almost a lazy global index portfolio but with extra spice fees and accidental factor bets

Report created on Apr 14, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

Structurally this thing is a matryoshka doll of “world” funds with some random factor seasoning on top. Seventy percent in a global all‑in‑one ETF, then a separate S&P 500 slice that mostly duplicates what you already own, plus two 10% factor tilts that look like an afterthought. It’s like ordering the combo meal, then adding extra fries and sauce packets you don’t really need. The big picture: you’ve basically built a single‑fund portfolio, then tried to look clever around the edges. General takeaway: either lean into the simple “one global ETF and chill” idea, or actually commit to meaningful tilts instead of this half‑pregnant structure.

Growth Info

Performance since late 2023 looks obnoxiously good: ~20.6% CAGR versus ~17.8% for the US market and ~18.1% for global. CAGR, the “average speed” of growth, says this setup hasn’t just kept up, it’s flexed a bit. Max drawdown at about -20.6% was actually milder than the benchmarks, which is like falling down the stairs slightly more gracefully. But past performance is yesterday’s weather: nice to look at, useless for guarantees. The real takeaway is that this mix has ridden the recent winners well, but it’s heavily tied to what worked in a very specific tech‑heavy, US‑friendly window.

Projection Info

The Monte Carlo projection basically ran 1,000 “what if” futures and said, “yeah, probably fine, but don’t get cocky.” Median outcome: €1,000 grows to about €2,784 over 15 years, with a decent chance of landing somewhere between “meh” (€1,818) and “nice” (€4,335). Monte Carlo is just a fancy way of rolling the dice a thousand times using historical‑style ups and downs. The 74% chance of a positive result sounds comforting, but it still leaves plenty of room for disappointment. Past data is like yesterday’s weather: helpful vibes, zero guarantees. Overall, you’ve picked a setup that’s growth‑oriented but not ludicrously reckless.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” is easy: there isn’t any. You’re 100% in stocks, no bonds, no cash buffer, no anything else. It’s like going to an all‑you‑can‑eat buffet and only touching the deep‑fried section. For a “balanced investor” label and a 4/7 risk score, this is pretty aggressive under the hood. Stocks are where long‑term growth usually lives, but they’re also where volatility goes to do pushups. Takeaway: this is more “balanced in marketing language” than balanced in the real world. If stability or shorter‑term goals matter, having only one asset class is asking for emotional whiplash during bad years.

Sectors Info

  • Technology
    27%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Basic Materials
    5%
  • Energy
    5%
  • Consumer Staples
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector split screams “I love the modern economy, but I still want some grown‑ups in the room.” Tech at 27% is the loud kid, clearly in charge of the narrative. Financials at 18% and industrials at 12% give it a more old‑school backbone, so it’s not pure tech cult. The rest is sprinkled reasonably across defensives and cyclicals, so nothing looks totally deranged. But when tech is this big, the portfolio mood swings with chip cycles, AI hype, and whatever the latest regulatory panic is. Takeaway: expect your feelings about this portfolio to rise and fall with a handful of mega‑cap tech stories.

Regions Info

  • North America
    56%
  • Europe Developed
    20%
  • Asia Developed
    9%
  • Asia Emerging
    7%
  • Japan
    4%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, this is “America is home base, but I do occasionally glance at a world map.” Around 56% in North America means US‑centric, with Europe and Asia getting supporting‑actor roles. It’s not full “America or bust,” but it’s definitely America‑led. Given global market weights, this isn’t insane, just slightly patriotic. Emerging markets barely register in single digits, so you get a taste of spiciness without the full stomach risk. The upside: this lines up with how global equity markets actually look. The downside: when the US sneezes, this portfolio catches the flu. So don’t pretend it’s geographically neutral and shock‑proof.

Market capitalization Info

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

Market‑cap exposure is unapologetically “big kids only”: 50% mega‑caps, 35% large‑caps, and a token 14% in mid‑caps. Small caps are basically ghosted. You’ve chosen the corporate equivalent of blue‑chip celebrities and ignored the scrappy indie bands. That usually means smoother ride than a small‑cap‑heavy portfolio, but also less exposure to the segments that can really rip when the cycle favors them. On the flip side, when volatility spikes, these giants are the ones markets run to for safety, relatively speaking. Takeaway: this is a popularity contest portfolio, not an underdog story — stable-ish, but a bit boring and very mainstream.

True holdings Info

  • NVIDIA Corporation
    4.02%
    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
    3.54%
    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
  • Microsoft Corporation
    2.48%
    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.
    2.12%
    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
    1.90%
    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
    1.61%
    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
    1.34%
    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
    1.34%
    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.
    1.19%
    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
    1.01%
    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 20.55%

Your look‑through is the usual “Magnificent Seven and friends” fan club: Nvidia, Apple, Microsoft, TSMC, Amazon, Alphabet, Meta, Tesla all crammed in via multiple ETFs. You don’t hold any of them directly, but they’re lurking inside almost everything. This is hidden concentration: different tickers, same underlying celebrities driving the show. And remember, this is only top‑10 data, so real overlap is worse than it looks. It’s like thinking you’re eating varied meals but every dish is just a different style of chicken. Takeaway: don’t be fooled by fund count; if the same giants dominate, diversification is more cosmetic than real.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 70.00%
    69.9%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 10.00%
    10.5%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.9%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc)
    Weight: 10.00%
    9.7%

Risk contribution reveals who’s actually shaking the portfolio, not just sitting there looking big on paper. Your global ACWI ETF is 70% weight and about 70% of total risk — that one’s doing exactly what it says on the tin. The S&P 500 ETF punches a bit above weight at ~10% weight and ~10.5% risk, which makes sense given its correlation and US tilt. The two factor ETFs each contribute just under their 10% weights in risk. The top three holdings drive about 90% of the risk, which is basically four funds pretending to be one big world tracker. Trimming complexity, not necessarily risk, would be the logical clean‑up move.

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

You’ve managed to buy two funds that move almost identically: the S&P 500 ETF and the ACWI ETF are highly correlated. Correlation just means they dance to the same beat — when one jumps, the other usually jumps too. So adding that separate S&P slice doesn’t really diversify you; it just doubles down on the same moves with extra packaging. It’s like owning two copies of the same album and calling it a music collection. Takeaway: if two holdings behave like clones, they’re not helping smooth the ride — they’re just adding complexity and fee layers for the same basic exposure.

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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On the risk–return chart, your portfolio is basically standing below the efficient frontier holding a sign that says “close enough.” The Sharpe ratio — think return per unit of stress — is 1.16, while the best combo of these same holdings could hit 1.72 with slightly more risk, or 1.39 at minimum variance levels. You’re about 1.4 percentage points below what’s achievable at your current risk. That means the ingredients are fine, but the recipe is sloppy. Reweighting just these four ETFs could get you smoother or better returns without adding anything new. Right now, you’re leaving easy efficiency on the table for no good reason.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc) 0.25%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.38%

Costs are the part where you almost nailed it but tripped right before the finish line. A total TER of 0.38% is… okay. Not daylight robbery, but not “ultra‑lean index nerd” either. The global ACWI ETF at 0.45% is on the pricier side given how many cheaper broad trackers exist, which makes this feel like buying brand‑name cereal when the store brand is the same thing. The factor ETFs come in a bit lower but still not dirt cheap. Takeaway: you’re paying a modest “I didn’t fully optimize this” tax every year — not lethal, but definitely nibbling at your long‑term returns.

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