Globally diversified stock and bond mix with moderate risk and broad exposure to large companies
Report created on Sep 8, 2026Risk profile
3/7
Diversification profile
4/5
Positions
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EU iShares Core MSCI World UCITS ETF USD (Acc) EUR
EUNL - IE00B4L5Y983 65.00% -
VA Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulation
VAGF - IE00BG47KH54 25.00% -
IS iShares Core MSCI Emerging Markets IMI UCITS
IS3N - IE00BKM4GZ66 10.00%
This portfolio is built around three broad funds: a global stock ETF, a global bond ETF, and an emerging markets stock ETF. Around three-quarters is in equities and one-quarter in bonds, which matches its “cautious” label by dialling down risk versus an all‑equity approach. The structure is simple and easy to understand, with each holding playing a clear role. The global equity ETF is the main growth engine, the bond ETF adds stability and smoother returns, and the emerging markets ETF introduces extra growth potential and risk. This kind of straightforward, three‑fund layout makes it easier to see how changes in markets might flow through to the overall portfolio.
Growth
From mid‑2019 to early September 2026, €1,000 invested in this mix roughly doubled to about €2,041. That translates into a Compound Annual Growth Rate (CAGR) of 10.29%, which is like the portfolio’s average “cruising speed” per year over the full period. It lagged both a pure US market and a global equity benchmark, which is expected because it holds 25% in lower‑risk bonds. Its worst decline, or max drawdown, was about ‑26.5% during the COVID crash, less severe than the roughly ‑34% drops in the benchmarks. This shows how the bonds helped cushion big setbacks, even though they also slowed long‑term growth somewhat.
Projection
The forward projection uses a Monte Carlo simulation, which essentially runs 1,000 “what if” scenarios based on past behaviour and volatility. It’s like repeatedly shuffling and replaying the return history to see a spread of possible future paths, rather than just one straight line. For a €1,000 starting amount over 15 years, the median outcome lands around €2,568, with a wide but understandable range on either side. About three‑quarters of scenarios end positive, and the average simulated annual return is just over 7%. These are not predictions or promises; they simply show how this mix might behave if future markets rhyme with the past.
Asset classes
- Stocks 75%
- Bonds 25%
By asset class, the portfolio is 75% stocks and 25% bonds. That makes it clearly equity‑led but with a meaningful stabiliser in fixed income. Compared with typical global 60/40 stock‑bond blends, this leans more toward growth, but still pulls risk down noticeably versus a 100% equity allocation. Bonds tend to move differently from stocks, especially during major equity sell‑offs, so including a quarter in bonds helps smooth the ride. The strong performance gap versus the pure equity benchmarks reminds that lower risk and lower volatility usually come with some trade‑off in peak returns, which is exactly what shows up here.
Sectors
- Technology 23%
- Financials 13%
- Industrials 8%
- Health Care 7%
- Consumer Discretionary 6%
- Telecommunications 6%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector‑wise, the portfolio has a clear tilt toward technology at 23%, followed by financials, industrials, and health care. This pattern is fairly similar to many global equity indices, where technology has grown into a large share of overall market value. A tech‑heavy slice can boost performance when innovation and growth stocks are in favour, but it may also mean sharper swings when interest rates rise or sentiment turns against high‑growth names. The smaller allocations in utilities, real estate, and basic materials provide some ballast, as these sectors often behave differently across economic cycles, adding another layer of diversification on top of the asset‑class mix.
Regions
- North America 49%
- Europe Developed 10%
- Asia Developed 5%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, almost half of the equity exposure is in North America, with the rest spread across developed Europe, Japan, developed Asia, and emerging regions like Asia, Latin America, and Africa/Middle East. This North American tilt is broadly in line with global market weights, as that region currently dominates global stock market size. The presence of emerging markets, though still modest, introduces exposure to faster‑growing but more volatile economies, balancing out the more mature developed markets. Compared with a pure domestic or regional portfolio, this spread helps reduce the impact of any single economy’s downturn, supporting the “broadly diversified” score.
Market capitalization
- Mega-cap 35%
- Large-cap 25%
- Mid-cap 13%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
Looking at company sizes, the portfolio is heavily skewed toward mega‑cap and large‑cap stocks, with 60% combined in those segments, plus some exposure to mid caps and a smaller slice in small caps. Large and mega‑cap companies tend to be more established, with stronger balance sheets and deeper markets for their shares, which can translate to somewhat lower volatility and better liquidity. The modest mid‑ and small‑cap exposure adds some growth and diversification, since smaller companies often behave differently than giants. Overall, this size breakdown is typical for broad market index funds and lines up well with global equity benchmarks.
True holdings
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NV NVIDIA Corporation 3.36%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AA Apple Inc. 3.09%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
MS Microsoft Corporation 1.91%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
AM Amazon.com Inc 1.68%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class A 1.51%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.36%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
-
AV Broadcom Inc 1.24%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class C 1.19%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
MU Micron Technology Inc 0.95%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
ME Meta Platforms Inc. 0.90%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- Top 10 total 17.19%
This breakdown covers the equity portion of your portfolio only.
The look‑through view of top holdings shows meaningful exposure to a handful of very large global companies, especially in technology and related areas. Names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta together make up a notable portion of the covered slice. Because these holdings appear through broad ETFs rather than as direct single‑stock bets, their weights still reflect global market capitalisation rather than active stock picking. There is some concentration in a small group of mega‑caps, which is normal in cap‑weighted indices, but it does mean portfolio behaviour will be noticeably influenced by how these few companies perform, especially during tech‑driven market moves.
Risk contribution
-
iShares Core MSCI World UCITS ETF USD (Acc) EUR
Weight: 65.00% 85.5% -
iShares Core MSCI Emerging Markets IMI UCITS
Weight: 10.00% 12.7% -
Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulation
Weight: 25.00% 1.7%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. The global equity ETF is 65% of the portfolio but contributes about 86% of total risk, meaning most volatility comes from this single fund. The emerging markets ETF, at 10% weight, adds almost 13% of the risk, reflecting its higher inherent volatility. In contrast, the 25% bond ETF barely moves the needle, adding under 2% of total risk. This is a textbook example of how a relatively small bond slice can significantly soften portfolio swings, and how the more volatile equity pieces dominate day‑to‑day 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.
The risk‑return chart and efficient frontier analysis show this portfolio sitting on or very close to the efficient frontier. The efficient frontier is the curve of portfolios that give the best expected return for each level of risk, using the existing holdings with different weights. The current allocation has a Sharpe ratio of 0.48, which measures return per unit of risk above a 4% risk‑free rate. There is a higher‑Sharpe combination available using the same three funds, but it comes with meaningfully more volatility. Being on the frontier confirms that, for this chosen risk level, the mix is already using its building blocks in a mathematically efficient way.
Ongoing product costs
- iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
- iShares Core MSCI Emerging Markets IMI UCITS 0.18%
- Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulation 0.10%
- Weighted costs total (per year) 0.17%
The total ongoing fund charges, measured by Total Expense Ratio (TER), average about 0.17% per year across the portfolio. That is impressively low by global standards and clearly supports better long‑term performance, because costs compound just like returns do. The largest holding, the global equity ETF, is priced in the low‑cost core range, while the emerging markets and global bond funds are also competitively priced. Over long horizons, even a 0.2–0.3 percentage‑point fee difference can add up to a noticeable gap in ending wealth. Here, the cost structure is a real strength: the portfolio keeps more of what the markets deliver.
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