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Dividend obsessed world tracker that pays you now and quietly charges you in performance later

Report created on Apr 18, 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

This portfolio is basically one big bet dressed up as three funds. The 80% chunk in the high dividend ETF is the main event; the other two funds are glorified side characters there to make the pie chart look more interesting. Structurally, this is “all-world-ish but only if the yield is juicy.” It’s not a disaster, just very one-note. For something with the word “world” all over it, the underlying engine is narrow: equity only, income-tilted, and heavily driven by one product’s rules. The result is less “carefully crafted blend” and more “I picked a theme and then half-heartedly hedged it with two extra tickers.”

Growth Info

Historically, this portfolio has delivered a 9.82% CAGR, turning £1,000 into £1,869 — not bad until it sits next to the benchmarks. The US market did 13.65%, the global market 11.40%, which makes this look like the kid who passed the exam but definitely wasn’t top of the class. Same gut-punch in 2020: similar max drawdown to the benchmarks, but it took its time recovering. So you’re taking stock-market-style pain, with a discount on the upside. That’s the classic high-dividend tax: you get income now, and quietly donate long-term growth to people holding broader, less yield-obsessed portfolios.

Projection Info

The Monte Carlo projection is basically a financial weather forecast run a thousand times. Median outcome: £1,000 becomes about £2,823 in 15 years, with a wide “could be fine, could be awkward” range from roughly £981 to £8,591. Translation: future returns cluster around decent, but the tails are very much alive. The 75.4% chance of ending up positive is nice, but that still leaves a one-in-four shot of disappointment. As always, simulations are just remixing past volatility and return assumptions — more like replaying old seasons of the market than predicting a brand-new show.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is simple: 100% stocks, zero of everything else. That’s not a portfolio, that’s an all-equity stance with a dividend hat on. No cash buffer, no bonds, no alternatives — just full exposure to equity mood swings. When stocks are happy, great. When they sulk, everything sulks together because there’s no other asset class to soften the landing. The risk score of 4/7 calling this “balanced” is doing some heavy marketing work; the asset mix says otherwise. It’s the financial equivalent of calling a double espresso “moderate caffeine.”

Sectors Info

  • Financials
    26%
  • Industrials
    14%
  • Health Care
    11%
  • Technology
    11%
  • Consumer Staples
    8%
  • Consumer Discretionary
    8%
  • Energy
    7%
  • Basic Materials
    5%
  • Utilities
    5%
  • Telecommunications
    4%
  • Real Estate
    1%

Sector-wise, this thing is clearly built by the cult of income. Financials top the list at 26%, with a healthy dose of boring-but-profitable names like consumer staples, energy, and utilities filling out the cast. Tech sits at just 11%, which for a modern global equity portfolio is basically a soft boycott. High dividend strategies naturally skip a lot of faster-growing companies that reinvest instead of paying out, so you end up tilted toward mature, less exciting sectors. The result: more “steady plodder” and less “rocket ship” when growth stories drive markets.

Regions Info

  • North America
    40%
  • Europe Developed
    33%
  • Japan
    8%
  • Asia Developed
    7%
  • Asia Emerging
    5%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    2%
  • Europe Emerging
    1%

Geographically, the spread actually looks pretty reasonable at first glance: 40% North America, 33% developed Europe, and then a scattering over Japan, developed Asia, and emerging regions. It’s vaguely global rather than “America or bust,” which is a pleasant surprise for a UK-based setup. The catch is that because it’s all filtered through dividend screens, this isn’t a pure reflection of global market weights; it’s the world according to “who pays me the most today.” That means certain high-growth regions and lower-yield markets are quietly underplayed, even if the flags look diverse.

Market capitalization Info

  • Large-cap
    42%
  • Mega-cap
    40%
  • Mid-cap
    17%

On market cap, this portfolio is basically a mega-and-large-cap club that lets a few mid-caps in out of politeness. With roughly 82% in mega and large caps, it’s sticking close to the big, established names that dominate global indices. That’s not shocking for a dividend-heavy approach, but it does mean the portfolio isn’t really fishing in the higher-growth, more volatile small-cap pond. You get stability, sure, but you also skip a lot of the potential rocket boosters that sit in smaller companies. It’s a “blue-chip first, everything else maybe later” mindset.

True holdings Info

  • JPMorgan Chase & Co
    1.41%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
  • Samsung Electronics Co Ltd
    1.34%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
  • Exxon Mobil Corp
    1.22%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
  • Johnson & Johnson
    1.13%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
  • Novartis AG
    0.90%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
    • Vanguard FTSE Developed Europe ex UK UCITS
  • AbbVie Inc
    0.78%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
  • Procter & Gamble Company
    0.74%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
  • The Home Depot Inc
    0.72%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
  • Chevron Corp
    0.66%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
  • Roche Holding AG
    0.63%
    Part of fund(s):
    • Vanguard FTSE All-World High Dividend Yield UCITS USD
  • Top 10 total 9.51%

The look-through holdings show a who’s-who of large, dividend-heavy global names — JPMorgan, Samsung, Exxon, J&J, Novartis, and friends. The top names are exactly what you’d expect from a high-yield and broad-world combo: massive companies that love paying shareholders. Overlap is almost certainly higher than the 13.8% coverage suggests, since we’re only seeing ETF top-10s. So underneath the three ticker symbols, you likely own the same giants multiple times. It’s less “hidden gem discovery” and more “same ten global corporations wearing different ETF costumes and billing you three times.”

Risk contribution Info

  • Vanguard FTSE All-World High Dividend Yield UCITS USD
    Weight: 80.00%
    79.1%
  • Vanguard FTSE Developed Europe ex UK UCITS
    Weight: 10.00%
    10.7%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 10.00%
    10.3%

Risk contribution here is almost boringly linear: the 80% high dividend ETF brings 79.07% of total risk, while the 10% satellite funds each chip in about 10%. Risk contribution measures which positions are actually swinging the portfolio’s mood, and in this case, the main fund is clearly in charge. There’s no secret tiny troublemaker or hidden wild-child position — the risk is exactly where the weight is. That simplicity is fine, but it also means any flaw in the high dividend fund’s design gets broadcast straight across the whole portfolio with no meaningful counterweight.

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 efficient frontier, this portfolio actually behaves like it knows what it’s doing. The Sharpe ratio of 0.48 isn’t thrilling, but the allocation sits on or very near the frontier given the existing holdings. In other words, for these three funds, the trade-off between risk (13.90% volatility) and return (10.41%) is pretty well dialed in. There’s an “optimal” mix with a Sharpe of 0.71 and slightly higher risk, and a minimum-variance version that barely reduces risk but lifts Sharpe. So the issue isn’t how the ingredients are mixed; it’s mainly the choice of ingredients themselves.

Ongoing product costs Info

  • Vanguard FTSE Developed Europe ex UK UCITS 0.10%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Vanguard FTSE All-World High Dividend Yield UCITS USD 0.29%
  • Weighted costs total (per year) 0.26%

Costs are the one area where this portfolio can hold its head up without too much sarcasm. A blended TER of 0.26% is not rock-bottom, but it’s comfortably on the sensible side. The high dividend fund is the priciest at 0.29%, which is a bit ironic given that it’s also the main performance drag. Still, for a simple three-ETF setup, these fees aren’t outrageous. It’s more like paying a modest cover charge to get into a club that plays slightly outdated music — you could probably do cheaper, but you’re not being blatantly ripped off.

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