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Global index cosplay with an unnecessary S&P 500 echo and a random EM value side quest

Report created on May 23, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is basically a world index with commitment issues. Sixty percent says “I’m diversified” via a global ETF, then 20% repeats that exposure with a separate S&P 500 fund, and the final 20% goes off on an emerging markets value tangent. It looks diversified on the surface, but structurally it’s one big global core with a US echo and a small style bet glued on. That’s like ordering the sampler platter and then adding a side of the exact same chicken wings plus one weird dish because it “looked interesting.” The overall shape is coherent, just more redundant than thoughtful.

Growth Info

Historically, the portfolio has been on a heater: €1,000 turning into €1,781 in under three years is strong, with a 25.25% CAGR comfortably beating both US and global benchmarks. CAGR (compound annual growth rate) is basically the smooth average speed of this ride, and right now it looks like you’ve been driving on autobahn, not local streets. Max drawdown of -21.21% shows it still hits potholes, but nothing crazier than the market. Just remember: this performance window is short and abnormally tech-fueled. Past data is yesterday’s weather — impressive storm, sure, but not a guarantee of next season.

Projection Info

The Monte Carlo projection is the “what if” machine: it runs 1,000 alternate futures and averages the chaos. Median outcome of €2,705 after 15 years on €1,000 sounds nice, but the range — from about €972 to €7,445 — is basically saying “anything from flat to fantastic is on the table.” That 74.5% chance of finishing positive is decent, but also a reminder that this is still an all-equity rollercoaster. Simulations assume markets behave like a somewhat rational adult; real life occasionally behaves like a toddler with sugar. Treat these numbers as rough guideposts, not destiny.

Asset classes Info

  • Stocks
    100%

Asset classes section is brutally simple: 100% stocks, zero of anything else. For something labelled “balanced,” this is more “all gas, no brakes.” In asset-class terms, this portfolio believes bonds, cash, and alternatives are just rumors. A single-asset-class portfolio is like building a house entirely out of glass — it’s bright and exciting when the sun shines, but you feel every storm. It does make the risk profile crystal clear: this thing lives and dies with equity markets, with no built-in shock absorbers when things get ugly.

Sectors Info

  • Technology
    33%
  • Financials
    15%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, tech clearly runs the show at 33%, with everything else playing backup vocals. Financials, consumer discretionary, and industrials trail far behind, and defensives like utilities and real estate barely register. This is what happens when you lean on cap-weighted global and US indexes: the most hyped and largest sectors automatically dominate. It’s not “tech addiction” by explicit choice, more like tech seeped into everything you own. That means the portfolio is hitching a big chunk of its fate to one crowded theme, whether that was intentional or just the default setting.

Regions Info

  • North America
    60%
  • Asia Developed
    14%
  • Asia Emerging
    9%
  • Europe Developed
    9%
  • Japan
    3%
  • Latin America
    3%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, it’s “US first, world eventually.” Around 60% in North America with everything else scattered in single digits screams home bias by proxy, even though the client region is Europe. The global ETF claims diversification glory, but the world index itself is already US-heavy, and then you doubled down again with a separate S&P 500 slice. The rest of the world shows up like supporting characters with minimal lines. It’s conventional, not catastrophic, but definitely not as globally balanced as the word “ACWI” might make it sound at first glance.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    33%
  • Mid-cap
    14%
  • Small-cap
    1%

Market cap distribution is pure big-league worship: 52% mega-cap, 33% large-cap, 14% mid-cap, and a token 1% in small-cap like someone accidentally checked a box. This is what happens when you live in index land — the giants automatically hog the spotlight. It’s safe in a “own the winners” kind of way, but also means the portfolio’s personality is dictated by a few corporate supertanks rather than a broad fleet of smaller ships. If mega-caps sneeze, this portfolio catches the cold. There’s barely any participation from the scrappy small-cap troublemakers.

True holdings Info

  • NVIDIA Corporation
    4.50%
    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
    3.70%
    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)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    3.18%
    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
    2.71%
    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
    2.36%
    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
    2.06%
    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
    1.77%
    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
    1.70%
    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)
  • SK Hynix Inc
    1.43%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Meta Platforms Inc.
    1.24%
    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)
  • Top 10 total 24.67%

The look-through holdings are basically a greatest-hits tech poster: NVIDIA, Apple, TSMC, Microsoft, Amazon, Alphabet, Broadcom, Meta — all front and center. And remember, this is only from ETF top-10s, so actual overlap is almost certainly higher. That means the portfolio isn’t just global; it’s heavily wired into the same handful of mega-cap growth darlings via multiple routes. It’s like buying three different playlists and discovering they all start with the same eight songs. Hidden concentration risk shows up when those few names decide to have a bad year simultaneously.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 60.00%
    58.5%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 20.00%
    21.1%
  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 20.00%
    20.4%

Risk contribution is calmly telling you this is a three-horse race and they all run at the same speed. The global ETF, at 60% weight and 58.54% of risk, is behaving as expected. The EM value ETF and S&P 500 slice are both punching right around their weights too. No sneaky time bombs, no tiny holding causing oversized chaos. But the flip side is that 100% of portfolio risk is concentrated in just three funds tightly linked to global equities. Diversification here is more “three flavors of the same ice cream” rather than truly independent sources of risk.

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

Correlation-wise, the S&P 500 ETF and the global ACWI ETF move almost identically — which is not exactly shocking, given how US-heavy global indexes already are. Correlation just measures how often things move together; high correlation means when one asset trips, the other faceplants right beside it. So that extra S&P slice isn’t bringing much new behavior to the party, just amplifying what’s already there. In a crash led by US large-cap growth, these two will be holding hands on the way down, not providing any meaningful contrast.

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 optimization is hilariously flattering: the portfolio sits right on or very near the efficient frontier. The Efficient Frontier is the curve showing the best possible return for each risk level using only the current ingredients. Sharpe ratio of 1.41 versus a max of 1.89 and min-variance at 1.51 says the current mix is reasonably efficient, just not the overachiever or the ultra-cautious option. So, structure-wise, it’s actually doing fine with the tools it has. This is one of those “you didn’t mess it up” moments — don’t get used to those.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • State Street SPDR S&P 500 UCITS ETF (Acc) 0.03%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.16%

Costs are the one area where this portfolio doesn’t shoot itself in the foot. A total TER of 0.16% is respectably low — you’re not lighting money on fire for the privilege of owning the same global mega-caps everyone else does. The EM value ETF at 0.40% is the pricey outlier, but the cheap S&P and ACWI funds drag the average back into “sensible adult” territory. Fees are under control enough that if performance disappoints, it won’t be because you overpaid the middlemen. For once, no roast needed — just a slow clap.

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