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Globally diversified equity portfolio with strong recent returns and a clear tilt toward technology and value

Report created on Aug 19, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is made up of four equity ETFs: a global all‑world fund, a US large‑cap fund, and two value‑focused funds covering global developed markets and emerging markets. The weights are fairly concentrated, with 70% in broad global and US funds and 30% in explicit value strategies. That structure means the core of the portfolio tracks global stock markets, while the value funds gently tilt it toward cheaper companies based on fundamentals. Having everything in funds, rather than single stocks, spreads risk across thousands of underlying companies. Overall, this is a straightforward, fully invested stock portfolio with a global core and a clear style overlay rather than a complex multi‑asset mix.

Growth Info

Over the period from November 2023 to mid‑August 2026, a hypothetical €1,000 in this portfolio grew to about €1,879. That works out to a compound annual growth rate (CAGR) of 25.21%, which is how fast the investment grew per year on average. This beat both the US market and a global market benchmark by around 3.7 percentage points per year. The worst drop from peak to trough, or max drawdown, was about -21%, similar to global stocks. So the portfolio delivered noticeably higher returns without materially higher downside over this window. It’s worth remembering this is a short, very strong period; markets will not always behave this kindly.

Projection Info

The Monte Carlo projection takes this historical behaviour and runs 1,000 “what if” futures, shuffling returns randomly to get a range of outcomes. Think of it like simulating many parallel timelines based on the same basic return and volatility characteristics. After 15 years, the median path turns €1,000 into about €2,840, with most simulations falling between roughly €1,859 and €4,360. The wide possible range, from about €972 to €7,801, shows how uncertain long‑term equity outcomes are. The overall average annual return across simulations is 8.33%. These are just statistical scenarios based on the past, not promises, and real‑world returns can be better or worse than any model suggests.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with no allocation to bonds, cash, or alternatives. This 100% equity stance typically means higher growth potential over the long run but also larger swings in value along the way. Compared with multi‑asset benchmarks that mix in bonds, this portfolio is more return‑oriented and will usually feel more volatile, especially during sharp market sell‑offs. On the other hand, diversification across thousands of global stocks still helps smooth out the impact of problems in any single company. The balanced risk score of 4/7 reflects that while everything is in equities, the mix is broad rather than narrowly focused on a single theme or region.

Sectors Info

  • Technology
    36%
  • Financials
    15%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector‑wise, the portfolio is heavily tilted toward technology at 36%, with financials, industrials, and consumer discretionary following behind. Smaller slices are in telecoms, health care, energy, staples, materials, utilities, and real estate. Compared with many broad global benchmarks, the tech weight is on the higher side, likely driven by the dominance of large tech names in global and US indices. Tech‑heavy portfolios often benefit when growth stocks and innovation themes are in favour, but they can be more sensitive when interest rates rise or when sentiment swings away from high‑growth companies. The spread across other sectors still provides a decent cushion against tech‑specific shocks.

Regions Info

  • North America
    64%
  • Asia Developed
    11%
  • Europe Developed
    10%
  • Asia Emerging
    7%
  • Japan
    5%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, around 64% of the portfolio sits in North America, with the rest spread across developed Asia, Europe, Japan, and various emerging regions. This aligns reasonably well with global market weights, where US and Canadian companies make up a large share of total stock market value. The allocation beyond North America is still meaningful, with exposure across both developed and emerging economies, which helps reduce dependence on any single local economy or currency. Relative to an even global split, the portfolio does lean toward North America, so major shifts in that region’s markets, policies, or currency will have an outsized effect on overall returns.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    35%
  • Mid-cap
    17%
  • Small-cap
    1%

By company size, the portfolio is dominated by mega‑caps and large‑caps, which together account for about 82%. Mid‑caps add most of the remaining exposure, with only a small sliver in small‑caps. Larger companies tend to be more established, widely followed, and often less volatile than smaller firms, which can make portfolio swings more manageable. However, small and mid‑caps sometimes offer higher growth potential and behave differently from the biggest names, adding diversification. This mix leans toward the stability of global giants but still keeps a meaningful mid‑cap allocation that can contribute to returns when smaller, more domestically focused companies outperform the mega‑cap leaders.

True holdings Info

  • NVIDIA Corporation
    4.18%
    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.
    3.69%
    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)
  • Micron Technology Inc
    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)
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.68%
    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
  • Microsoft Corporation
    2.65%
    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)
  • Amazon.com Inc
    2.10%
    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
    1.75%
    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)
  • Broadcom Inc
    1.55%
    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
    1.38%
    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)
  • Samsung Electronics Co Ltd
    1.36%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Top 10 total 24.19%

Looking through to the top holdings across all ETFs, a handful of large technology and platform companies feature prominently, including NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Many of these appear via multiple funds, which creates overlap and increases the portfolio’s effective exposure to them beyond any single ETF’s weight. For example, the top ten look‑through names alone account for a noticeable share of the portfolio despite only having top‑10 data for each ETF. Since only the largest holdings per fund are included, true overlap is likely higher than shown. This kind of concentration in market leaders has recently helped returns but can also tie performance closely to a small group of companies.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 40.00%
    39.0%
  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 30.00%
    30.4%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    16.7%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 15.00%
    14.0%

Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the global ACWI fund is 40% of the portfolio and contributes about 39% of risk, while the S&P 500 ETF is 30% of weight and roughly 30% of risk, so both are nearly one‑for‑one. The emerging markets value ETF stands out slightly, contributing about 16.7% of risk from a 15% weight, reflecting higher volatility in emerging markets. The top three funds together drive over 86% of total risk. This pattern is normal for a concentrated four‑fund setup and underlines how core holdings dominate day‑to‑day fluctuations.

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 data shows that the S&P 500 ETF and the global ACWI ETF move almost identically. Correlation measures how two investments move together; a value near 1 means they usually rise and fall in tandem. Since both funds draw heavily from large US stocks, it’s not surprising they behave similarly. High correlation reduces the diversification benefit between those two positions, even though they are different products. Diversification works best when holdings don’t move in lockstep, particularly during market stress. In this portfolio, most risk reduction comes from the value and emerging markets exposures rather than from the separate US and global core funds.

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.

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The efficient frontier chart compares the current portfolio to the best possible mixes of the same four ETFs. The frontier itself shows the highest expected return for each risk level, while the Sharpe ratio measures return per unit of risk after accounting for a risk‑free rate. The current Sharpe is 1.44, with return of about 23.35% and volatility around 13.4%. The optimal mix on this frontier has a Sharpe of 1.9, slightly higher risk, and a meaningfully higher expected return, while the minimum‑variance mix offers lower risk and a better Sharpe than the current setup. The current portfolio sits about 2 percentage points below the frontier, meaning its risk/return trade‑off could, in theory, be improved using only these existing holdings.

Ongoing product costs Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.18%

The portfolio’s average ongoing fee (TER) is about 0.18% per year, with the largest ACWI fund charging 0.45% on its slice. TER, or Total Expense Ratio, is the annual cost taken by the fund provider to run the ETF. These costs might look small, but they compound over time, so keeping them low supports better long‑term results. An overall TER below 0.20% is impressively low for a globally diversified, factor‑tilted equity mix, especially given the inclusion of emerging markets and smart beta strategies. The cost structure here is a real strength: most of the portfolio’s return potential is kept rather than eaten up by fees.

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