Simple transatlantic equity mix with strong large cap tilt and low ongoing costs
Report created on May 3, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VU Vanguard S&P 500 UCITS ETF EUR
VUSA - IE00B3XXRP09 57.19% -
ME Amundi Stoxx Europe 600 UCITS ETF C
MEUD - LU0908500753 42.81%
This portfolio is very straightforward: two stock index ETFs split between a US large‑cap index and a broad developed Europe index. The weights lean slightly more toward the US fund, so overall behaviour will be driven a bit more by US markets than European ones. A 100% equity composition means there is no built‑in buffer from bonds or cash, so portfolio value will move up and down with stock markets. The structure is easy to understand, which can help with setting expectations about volatility and return patterns over time. Because both ETFs are broad market trackers, the portfolio relies on wide diversification within equities rather than on many different asset types.
Growth
From late 2017 to April 2026, €1,000 grew to about €2,634, giving a compound annual growth rate (CAGR) of 11.99%. CAGR is the “average speed” of growth per year, smoothing out the bumps along the way. Over the same period, the US market benchmark grew faster at 14.24%, while the global market grew slightly slower at 11.20%. The portfolio’s biggest drop, or max drawdown, was about -34% during early 2020, similar to the benchmarks. That kind of fall is normal for all‑equity portfolios in severe market shocks. Also notable: just 32 days made up 90% of total returns, showing how a few strong days drive long‑term outcomes.
Projection
The Monte Carlo projection uses the portfolio’s past behaviour to simulate many possible 15‑year futures. Think of it as running 1,000 alternate timelines, randomly mixing good and bad years based on historical patterns. The median outcome turns €1,000 into about €2,750, but there’s a wide “likely” range from roughly €1,846 to €4,289. Extreme but plausible paths span from almost flat (€961) to very strong (€7,547). The average simulated annual return is 8.29%, with about three in four simulations ending positive. These numbers are not promises: they just show how bumpy the journey might be if future markets rhyme with the past but don’t repeat it exactly.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or other asset classes. That makes the asset mix simple yet also more sensitive to market cycles. Equities historically have offered higher long‑term returns than safer assets, but they also experience sharper ups and downs. Because there’s no fixed‑income or cash allocation, any cushioning effect during downturns has to come from diversification within the stock portion, not from different asset types behaving differently. This 100% equity stance also means that short‑term portfolio values can be volatile, while longer holding periods tend to smooth out some of those fluctuations as positive and negative years offset each other.
Sectors
- Technology 23%
- Financials 17%
- Industrials 14%
- Health Care 11%
- Consumer Discretionary 9%
- Telecommunications 7%
- Consumer Staples 6%
- Energy 5%
- Utilities 3%
- Basic Materials 3%
- Real Estate 2%
Sector‑wise, the portfolio is fairly broad: technology is the largest slice at 23%, followed by financials at 17% and industrials at 14%. Health care, consumer discretionary, and telecoms together make up a meaningful chunk, while utilities, basic materials, and real estate remain small. This pattern is broadly aligned with many global equity benchmarks, which also skew toward tech and financials today. A noticeable tech presence can boost growth in innovative periods but can also increase sensitivity to interest rates and regulatory news. The spread across cyclical sectors (like industrials) and more defensive ones (like health care and staples) helps balance the impact of different economic phases on the overall portfolio.
Regions
- North America 57%
- Europe Developed 42%
Geographically, about 57% of the portfolio is in North America and 42% in developed Europe, with almost nothing elsewhere. This gives a transatlantic focus rather than a fully global mix. Compared with a global benchmark, which includes significant exposure to Asia and other regions, this portfolio is under‑exposed to the rest of the world. The advantage is alignment with markets and currencies that may feel more familiar. The trade‑off is that big parts of the global economy are missing, so returns will heavily reflect how US and European companies perform. When those regions do well together, this can be powerful; when they struggle at the same time, the portfolio has fewer geographic offsets.
Market capitalization
- Mega-cap 47%
- Large-cap 34%
- Mid-cap 17%
- Small-cap 1%
By market capitalization, the portfolio leans heavily toward mega‑cap and large‑cap stocks, which together make up about 81%. Mid‑caps are present at 17%, and small‑caps are only 1%. Large and mega‑cap companies tend to be more established, with diversified business lines and stronger balance sheets, which can make them relatively more stable than smaller firms. However, they might sometimes grow slower than nimble small‑caps during certain market phases. This size mix is broadly in line with mainstream indices that weight companies by size. It means the portfolio will generally move in step with headline stock market indices rather than showing very distinct behaviour driven by smaller, niche companies.
True holdings
-
NV NVIDIA Corporation 4.35%
Part of fund(s):- Vanguard S&P 500 UCITS ETF EUR
-
AA Apple Inc 3.82%
Part of fund(s):- Vanguard S&P 500 UCITS ETF EUR
-
MS Microsoft Corporation 2.82%
Part of fund(s):- Vanguard S&P 500 UCITS ETF EUR
-
AM Amazon.com Inc 2.09%
Part of fund(s):- Vanguard S&P 500 UCITS ETF EUR
-
GO Alphabet Inc Class A 1.72%
Part of fund(s):- Vanguard S&P 500 UCITS ETF EUR
-
AS ASML Holding N.V. 1.54%
Part of fund(s):- Amundi Stoxx Europe 600 UCITS ETF C
-
AV Broadcom Inc 1.50%
Part of fund(s):- Vanguard S&P 500 UCITS ETF EUR
-
GO Alphabet Inc Class C 1.38%
Part of fund(s):- Vanguard S&P 500 UCITS ETF EUR
-
ME Meta Platforms Inc. 1.28%
Part of fund(s):- Vanguard S&P 500 UCITS ETF EUR
-
TS Tesla Inc 1.07%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 UCITS ETF EUR
- Top 10 total 21.56%
Looking through the ETFs’ top holdings, the largest underlying exposures include NVIDIA, Apple, Microsoft, Amazon, Alphabet, ASML, Broadcom, Meta, and Tesla. These are major global companies that appear in many broad indices. Some of them show up in both the US and European ETF where cross‑listed or via multinational operations, creating some overlap. Because only top‑10 ETF holdings are used here, overlap is likely understated, but it still reveals that a significant slice of portfolio risk is linked to a relatively small group of big tech and growth‑oriented names. This is normal for cap‑weighted index funds today, where the biggest companies naturally dominate the top of the lists.
Risk contribution
-
Vanguard S&P 500 UCITS ETF EUR
Weight: 57.19% 59.5% -
Amundi Stoxx Europe 600 UCITS ETF C
Weight: 42.81% 40.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the US ETF is 57% of the portfolio but contributes about 60% of the total risk, while the Europe ETF is 43% of the weight and about 40% of the risk. This near‑one‑for‑one relationship suggests that both funds have similar volatility and are reasonably balanced against each other. No single position dominates risk in an extreme way, which is helpful from a concentration perspective. Still, because there are only two positions and both are equities, overall risk remains tied to broad stock market swings rather than spread across many asset types.
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 chart shows this portfolio sitting on or very close to the efficient frontier. The efficient frontier is the curve of best possible returns for each risk level, using just the existing holdings with different weights. The current allocation has a Sharpe ratio of 0.54, while the maximum Sharpe mix reaches 0.82 with slightly higher risk, and the minimum‑variance mix has lower risk but still a Sharpe of 0.67. A Sharpe ratio compares excess return to volatility, like judging how much “bang for your risk buck” you’re getting. Being near the frontier suggests that, given these two ETFs, the weightings are already making efficient use of risk.
Dividends
- Vanguard S&P 500 UCITS ETF EUR 0.20%
- Weighted yield (per year) 0.11%
The portfolio’s overall dividend yield is very low at about 0.11%, with the US ETF showing a 0.20% yield. Dividend yield measures how much cash income you get each year as a percentage of your investment. Here, most of the expected return is coming from price changes rather than regular cash payouts. That’s consistent with an index heavy in large, growth‑oriented companies that retain more of their earnings to reinvest rather than pay them out. For investors who focus mainly on total return—price gains plus any dividends—a low yield is not necessarily a drawback, but it does mean that income‑based expectations should be modest with this particular mix.
Ongoing product costs
- Vanguard S&P 500 UCITS ETF EUR 0.07%
- Amundi Stoxx Europe 600 UCITS ETF C 0.07%
- Weighted costs total (per year) 0.07%
Both ETFs charge a total expense ratio (TER) of 0.07%, leading to an overall portfolio TER of 0.07%. TER is the ongoing fee charged by a fund each year to cover management and operating costs, taken directly out of returns. This level is impressively low and in line with some of the cheapest index products available. Over long periods, small differences in fees can compound into meaningful amounts, so a low‑cost structure is a genuine strength here. It allows more of the portfolio’s gross market return to show up in your actual results, supporting long‑term performance while keeping the implementation simple and cost‑efficient.
What next?
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey