Globally diversified stock portfolio with strong low volatility tilt and efficient risk adjusted profile
Report created on Mar 28, 2026Risk 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
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EU iShares Core MSCI World UCITS ETF USD (Acc) EUR
EUNL - IE00B4L5Y983 85.00% -
IS iShares Core MSCI Emerging Markets IMI UCITS
IS3N - IE00BKM4GZ66 10.00% -
AP Apple Inc
APC - US0378331005 5.00%
The structure is very straightforward: about 85% in a broad global equity fund, 10% in emerging markets, and 5% in a single large tech stock. Everything is in stocks, which keeps things simple and focused on long‑term growth. This kind of setup is easy to track and understand because there are only three moving parts. The core-plus-satellite idea is clear: a globally diversified core holding, a growth‑oriented emerging markets slice, and a small conviction position. For many investors, this type of layout offers a nice balance between broad diversification and a bit of personal tilt without becoming overly complex or time‑consuming to manage.
Growth
Historically, €1,000 grew to about €3,227 over ten years, which is a compound annual growth rate (CAGR) of 12.34%. CAGR is just the “average yearly speed” your money grew, smoothing out the bumps. Against the global market benchmark, this portfolio did better by about 1.5% per year, which is impressive over a decade. It slightly trailed the US market, which has been unusually strong in this period. The maximum drawdown of about -33% is in line with broad markets, showing you experienced normal equity-level drops. Remember, past performance only shows how this mix handled previous conditions; it cannot guarantee the same pace or pattern in the future.
Asset classes
- Stocks 100%
All of the portfolio sits in equities, with no bonds, cash, or alternative assets. This pure stock exposure is great for long‑term growth potential but means there is no built‑in stabilizer when markets fall. Many broad benchmarks mix in other assets for smoother rides, while this approach accepts full equity‑style volatility. For someone with a long time horizon and the ability to ride out big swings, a 100% stock mix can be reasonable. For anyone needing withdrawals in the short to medium term, separate cash or bond reserves outside this portfolio can help avoid selling stocks during deep market downturns.
Sectors
- Technology 31%
- Financials 16%
- Industrials 11%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is led by technology at 31%, followed by financials, industrials, and consumer‑oriented areas, with smaller allocations to energy, materials, utilities, and real estate. This pattern is quite similar to many global equity benchmarks today, where tech and related industries naturally dominate due to their large market values. A tech‑heavy tilt often boosts returns in growth‑friendly environments but can be more sensitive during interest‑rate hikes or when regulators focus on dominant digital platforms. The positive side is that sector weights broadly align with global standards, which is a strong indicator of healthy diversification instead of heavily betting on any single industry theme.
Regions
- North America 69%
- Europe Developed 14%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 69% sits in North America, 14% in developed Europe, and the rest spread across Japan, other developed Asia, and emerging regions. This mirrors how global indices are constructed, where the US is a large share of world market value. The benefit is strong alignment with global benchmarks and access to many of the world’s leading companies. The trade‑off is that returns will be heavily shaped by how North American markets behave. Under‑exposure to some smaller or less developed regions means less diversification against a long period of US underperformance, but also less exposure to their sometimes higher volatility and political risks.
Market capitalization
- Mega-cap 51%
- Large-cap 32%
- Mid-cap 16%
- Small-cap 1%
Market‑cap exposure is dominated by mega‑cap and large‑cap companies, which together make up over 80% of the portfolio, with modest mid‑cap and small‑cap slices. This is typical for index‑based strategies and supports stability because larger firms tend to be more established, profitable, and widely researched. Smaller companies can offer higher growth potential but also tend to be more volatile and sensitive to economic shocks. With only 1% in small caps, the portfolio behaves much more like a big‑company basket than a full spectrum of the market. This tilt helps reduce extreme swings but slightly limits exposure to some of the market’s more dynamic, earlier‑stage businesses.
True holdings
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NV NVIDIA Corporation 4.29%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
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AA Apple Inc 3.87%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
MS Microsoft Corporation 2.76%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AM Amazon.com Inc 2.01%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class A 1.81%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class C 1.51%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AV Broadcom Inc 1.43%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
ME Meta Platforms Inc. 1.41%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.16%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
- Top 10 total 25.25%
Looking through the ETFs, the biggest underlying exposures are familiar mega‑cap names like Apple, NVIDIA, Microsoft, Amazon, Alphabet, Broadcom, Meta, and TSMC. There is a small hidden concentration in large global tech and platform companies, which dominate many broad indices. On top of that, there is a separate 5% direct Apple position, so the overall influence of mega‑cap technology on returns and risk is meaningful. Because only the top‑10 ETF holdings are included, actual overlap is likely a bit higher. The main takeaway is that market‑cap weighted funds naturally tilt you toward the largest global winners, which has helped in recent years but can amplify swings if leadership changes.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure shows a high tilt toward value and a very high tilt toward low volatility, with other factors sitting around neutral or slightly low. Factor exposure is basically how much your holdings lean into traits like cheapness (value) or stability (low volatility) that research links to long‑term returns. The strong low‑volatility tilt means the portfolio tends to favor steadier companies that historically move less than the market, which fits nicely with the balanced risk rating. The high value exposure suggests a preference for stocks trading at lower prices relative to fundamentals, which may do well in markets where expensive growth names struggle, but can lag during strong growth or tech‑led rallies.
Risk contribution
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iShares Core MSCI World UCITS ETF USD (Acc) EUR
Weight: 85.00% 84.3% -
iShares Core MSCI Emerging Markets IMI UCITS
Weight: 10.00% 9.4% -
Apple Inc
Weight: 5.00% 6.2%
Risk contribution looks at how much each position adds to overall ups and downs, not just how big it is. Here, the global ETF drives about 84% of total risk, closely matching its weight, while emerging markets add roughly 9%. The interesting part is the 5% Apple position contributing over 6% of portfolio risk, meaning it is a bit “louder” than its size because of its volatility and correlation with global tech. Nothing looks wildly disproportionate, but this shows how single stocks can punch above their weight. Keeping individual positions small, as done here, helps ensure no single company can dominate overall portfolio behaviour.
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 mix sits right on or very near the efficient frontier. The efficient frontier is the curve that shows the best return possible for each level of risk using only your existing holdings. Your Sharpe ratio — a measure of return per unit of volatility — is 0.68, close to the minimum‑risk mix at 0.69, and below the high‑risk optimal mix at 0.95. That means the portfolio is already using its holdings efficiently at a moderate risk level. To push closer to the max‑Sharpe point would require accepting noticeably higher volatility, not just tweaking weights, so the current balance looks well aligned with a balanced risk profile.
Ongoing product costs
- iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
- iShares Core MSCI Emerging Markets IMI UCITS 0.18%
- Weighted costs total (per year) 0.19%
Total ongoing costs sit around 0.19% per year, which is impressively low for a globally diversified stock portfolio. These annual fees may look tiny, but over decades they compound, just like returns, so keeping them down is a big win. The use of broad, low‑cost index ETFs is firmly in line with best practices and supports better long‑term outcomes compared with many higher‑fee active funds. With costs already this lean, there is little to be gained from fee‑hunting; the bigger levers now are asset allocation, savings rate, and staying invested. This cost structure is a real strength and puts you on the right track for long‑term compounding.
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