Strong growth focused equity mix with tech tilt and room to fine tune risk balance
Report created on Mar 27, 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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SX iShares NASDAQ 100 UCITS ETF USD (Acc)
SXRV - IE00B53SZB19 60.00% -
EX Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
EXUS - IE0006WW1TQ4 30.00% -
IU iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
IUSN - IE00BF4RFH31 10.00%
The structure is very streamlined: three equity ETFs, no bonds, and a clear tilt toward growth. Around 60% sits in a large‑cap growth index, 30% broad developed markets outside that core, and 10% in global small caps. This kind of simplicity makes the portfolio easy to understand and maintain, and it avoids the clutter that often creeps into DIY portfolios. However, being 100% in stocks means the ride can be bumpy, even if the long‑term growth potential is strong. Anyone using something like this usually pairs it mentally with a cash buffer or separate safety bucket rather than trying to smooth volatility inside the portfolio itself.
Growth
From March 2024 to March 2026, €1,000 grew to about €1,249, giving an annualized growth rate (CAGR) of 11.49%. CAGR is like your average speed over a long road trip, smoothing out all the bumps. Over this period, the portfolio slightly beat both the US market and a global market benchmark, which is a solid outcome. The max drawdown of about -23% is very similar to the US market’s, meaning downturns felt equity‑like and not unusually extreme. Past performance can’t predict the future, especially over such a short window, but this history suggests the risk/return balance has been broadly in line with what you’d expect from a growth‑heavy equity mix.
Asset classes
- Stocks 100%
All of the allocation is in equities, with no explicit exposure to bonds, cash‑like instruments, or alternatives. That all‑stock stance usually maximizes growth potential over long periods, because historically equities have outpaced safer assets, but it also increases the chance of sizeable interim drawdowns. For a “balanced” risk label, this is more aggressive than what many multi‑asset benchmarks would show, where bonds often make up 30–50% of the mix. This setup can work very well for someone who manages risk outside the portfolio—through stable income, cash savings, or flexibility on when to withdraw—but it is less suited to anyone needing predictable short‑term spending from the invested capital.
Sectors
- Technology 35%
- Telecommunications 11%
- Consumer Discretionary 11%
- Industrials 10%
- Financials 9%
- Consumer Staples 7%
- Health Care 7%
- Basic Materials 4%
- Energy 2%
- Utilities 2%
- Real Estate 1%
The sector breakdown shows a clear technology tilt at 35%, with the rest spread across communications, consumer areas, industrials, financials, and smaller slices of other sectors. This is fairly growth‑oriented and somewhat more tech‑heavy than broad global benchmarks, which typically have a lower tech share. Tech‑leaning portfolios can do very well when innovation and lower interest rates drive valuations up, but they can also be more sensitive when rates rise or when sentiment turns against growth stories. On the positive side, the presence of meaningful allocations to consumer staples, healthcare, and utilities adds some defensive ballast, helping smooth sector‑specific shocks rather than placing everything on one theme.
Regions
- North America 69%
- Europe Developed 19%
- Japan 7%
- Australasia 2%
- Asia Developed 1%
Geographically, the portfolio is anchored in North America at about 69%, with developed Europe and Japan as the next largest components and modest exposure to other developed regions. This is pretty close to many global equity benchmarks that are naturally US‑heavy, so it aligns well with global market weights rather than making big regional bets. The benefit is that results should broadly track how the world’s largest developed markets perform, which is often a sensible default. The trade‑off is less exposure to some smaller or faster‑growing regions, which can sometimes offer diversification or different economic cycles, though they also tend to be more volatile and less predictable.
Market capitalization
- Mega-cap 49%
- Large-cap 31%
- Mid-cap 13%
- Small-cap 5%
- Micro-cap 1%
Market cap exposure is dominated by mega‑caps and large‑caps, together making up about 80% of the portfolio, with the rest spread across mid, small, and a tiny slice of micro‑caps. This pattern is very similar to a typical global index and is a strong indicator of healthy diversification by company size. The dedicated small‑cap allocation adds a bit of extra kick from more cyclical, domestically focused businesses, which can outperform over certain periods but move more sharply in downturns. Overall, the structure lets the largest, most established companies drive stability and liquidity, while still leaving some room for the higher‑risk, higher‑reward end of the market to contribute to returns.
True holdings
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NV NVIDIA Corporation 5.04%
Part of fund(s):- iShares NASDAQ 100 UCITS ETF USD (Acc)
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AA Apple Inc 4.57%
Part of fund(s):- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
MS Microsoft Corporation 3.41%
Part of fund(s):- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
AM Amazon.com Inc 2.63%
Part of fund(s):- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
TS Tesla Inc 2.35%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
ME Meta Platforms Inc. 2.23%
Part of fund(s):- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
GO Alphabet Inc Class A 2.12%
Part of fund(s):- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
WM Walmart Inc. Common Stock 2.02%
Part of fund(s):- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
GO Alphabet Inc Class C 1.97%
Part of fund(s):- iShares NASDAQ 100 UCITS ETF USD (Acc)
-
AV Broadcom Inc 1.77%
Part of fund(s):- iShares NASDAQ 100 UCITS ETF USD (Acc)
- Top 10 total 28.10%
Looking through the ETFs, the top underlying exposures are heavily concentrated in a handful of mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, Tesla, Meta, and Alphabet together already make up a big chunk of the visible coverage. Several of these show up across more than one ETF, so the true exposure to those names is higher than it first appears, especially since only top‑10 ETF holdings were used for this analysis. This “hidden concentration” is normal in modern equity portfolios but still worth being aware of. It means portfolio behavior will be strongly influenced by how a small group of big, mostly growth‑oriented companies performs, especially during tech‑led rallies or sell‑offs.
Factors
Factor exposure shows a very low tilt to the size factor and a high tilt to momentum. Factors are like underlying “personality traits” of the portfolio—size, momentum, value, and so on—that research has tied to long‑run returns. A very low size exposure means a strong bias toward bigger companies, which usually reduces idiosyncratic risk from smaller, less‑researched names but may miss some small‑cap premium when it appears. High momentum exposure means the holdings tilt toward stocks that have recently done well; this can enhance returns in trending bull markets but often stings harder during sharp reversals. Understanding these tilts can help set expectations: smoother behavior than small‑cap heavy portfolios, but potentially sharper drawdowns when market leadership abruptly changes.
Risk contribution
-
iShares NASDAQ 100 UCITS ETF USD (Acc)
Weight: 60.00% 70.9% -
Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
Weight: 30.00% 20.3% -
iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
Weight: 10.00% 8.8%
Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its simple weight. Here, the main growth index ETF is 60% of the portfolio but contributes about 71% of the total risk, so it punches above its weight in driving volatility. The developed ex‑core ETF, by contrast, contributes noticeably less risk than its 30% weight would imply, offering diversification benefits. The small‑cap ETF roughly matches its share of risk to its allocation. This pattern is normal for a portfolio whose core holding is more volatile and growth‑oriented. If someone wanted smoother behavior, adjusting that single position’s size would have the biggest impact on overall risk.
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 portfolio has slightly higher expected return but noticeably higher risk than the “optimal” and minimum‑variance mixes, and its Sharpe ratio (return per unit of risk) is lower. The optimal and minimum‑variance portfolios both sit closer to the efficient frontier, meaning they squeeze more expected return from each unit of volatility using the same three ETFs but in different weights. The fact that the current point is below this curve suggests that reweighting the existing holdings—without adding new products—could improve risk/return, either by trimming volatility or boosting return at similar risk. It’s a positive sign that the frontier itself looks attractive; the fine‑tuning is mainly about dialing in the preferred comfort level.
Ongoing product costs
- iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
- iShares NASDAQ 100 UCITS ETF USD (Acc) 0.36%
- Weighted costs total (per year) 0.25%
The total ongoing cost (TER) around 0.25% is impressively low for a diversified, global equity setup, and each individual ETF charge is in a competitive range. Costs might feel small in a single year, but over decades they compound heavily: every 0.25% saved annually can translate into a substantial difference in final wealth. Keeping expenses this lean is very much in line with best practices and supports better net performance without taking on extra risk. Importantly, there are no obvious high‑fee outliers here, so there’s no “low‑hanging fruit” to cut. Future tweaks are therefore more likely to be about risk and allocation rather than fee reduction.
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