Global equity blend with strong value tilt and tech heavy large cap exposure

Report created on May 30, 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 a simple four‑ETF mix, fully invested in global equities. Half the weight sits in a broad all‑world ETF, which acts as a diversified core. Another 20% is in a US large‑cap tracker, while the remaining 30% is split equally across global and emerging markets value factor ETFs. Structurally, this looks like a core‑satellite setup: a broad market backbone with more focused “satellites” leaning into specific characteristics. That kind of structure can help balance broad diversification with targeted tilts. The relatively low number of holdings also makes it easier to understand where risk and return are coming from, compared with very fragmented portfolios that hold many small positions.

Growth Info

Over the period shown, €1,000 grew to about €1,829, which is a very strong gain in a relatively short time. The portfolio’s compound annual growth rate (CAGR) of 26.33% beat both the US market and global equity benchmarks by more than 4 percentage points a year. CAGR is like average speed on a road trip, smoothing out bumps along the way. The max drawdown of about -21% was similar to the global market, and slightly shallower than the US benchmark. That means the portfolio captured strong upside without taking unusually deep hits in downturns. As always, this is backward‑looking; markets won’t repeat this exact pattern.

Projection Info

The Monte Carlo projection uses the portfolio’s historical returns and volatility to simulate many possible 15‑year paths. Each simulation is one hypothetical future, and the spread of outcomes forms a range of what could happen. Here, the median result takes €1,000 to roughly €2,676, with a central “likely” band between about €1,800 and €4,100. That band shows how even with the same underlying portfolio, end results can vary widely just from market randomness. The fact that roughly three‑quarters of simulations end positive is encouraging, but not a guarantee. Monte Carlo models rely on past behaviour and statistical assumptions, so real‑world results can land outside even the 5–95% range.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with no bonds, cash equivalents, or alternative assets in the mix. That makes the asset allocation very straightforward but also means the portfolio’s ups and downs are fully tied to equity markets. Historically, stocks have offered higher long‑term growth than bonds, but with larger and more frequent drawdowns along the way. Compared with many blended portfolios that include bonds or cash, this all‑equity structure will usually sit higher on the risk–return spectrum. The diversification score reflects that, recognising broad diversification within equities while still acknowledging that a single asset class dominates the overall behaviour.

Sectors Info

  • Technology
    34%
  • Financials
    15%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector‑wise, the portfolio has a clear technology tilt at around 34%, with the rest spread across financials, consumer sectors, industrials, telecoms, health care, and smaller allocations to areas like energy and utilities. Relative to many broad global benchmarks, that tech allocation is on the higher side. Tech‑heavy portfolios tend to be more sensitive to interest rates and growth expectations, often leading to stronger performance in boom periods but sharper pullbacks when sentiment turns. On the positive side, the rest of the sectors look reasonably balanced, which supports diversification across different parts of the economy rather than concentrating solely in one theme.

Regions Info

  • North America
    61%
  • Europe Developed
    11%
  • Asia Developed
    11%
  • Asia Emerging
    7%
  • Japan
    5%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, about 61% of the portfolio sits in North America, with the rest spread across developed Europe, developed and emerging Asia, Japan, Latin America, and smaller regional slices. This North America weighting is broadly in line with many global equity indices, which are heavily influenced by US mega‑caps. That alignment with global market composition is a strength, as it means the portfolio isn’t making an extreme regional bet. At the same time, there is meaningful exposure outside North America, giving some participation in different economic cycles and currency zones. That mixed footprint can help reduce the impact of shocks specific to any one region.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    36%
  • Mid-cap
    15%
  • Small-cap
    1%

Market‑cap exposure is dominated by mega‑ and large‑cap companies, which together make up over 80% of the portfolio, with a modest slice in mid‑caps and only 1% in small‑caps. Larger companies tend to be more established and often less volatile individually than smaller firms, though they can still move a lot as a group. This large‑cap skew is typical for index‑based global portfolios, and it helps keep trading costs and liquidity issues lower inside the ETFs. The relatively small allocation to smaller companies means the portfolio is less exposed to the higher growth potential and higher risk that small‑caps can bring.

True holdings Info

  • NVIDIA Corporation
    4.01%
    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
    3.30%
    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.
    2.47%
    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
    2.42%
    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
    2.11%
    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
    1.84%
    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
    1.58%
    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
    1.52%
    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)
  • Micron Technology Inc
    1.11%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Meta Platforms Inc.
    1.11%
    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 21.46%

Looking through to the top holdings, well‑known global giants like NVIDIA, Apple, Microsoft, Amazon, and Alphabet appear across multiple ETFs. This overlap means certain companies have a bigger effective influence than their appearance in each fund might suggest. For example, NVIDIA alone makes up just over 4% of the overall portfolio, while Apple and Taiwan Semiconductor also sit above 2%. Because ETF data only shows top‑10 positions, the true overlap is likely somewhat higher than measured. This concentration in a handful of large tech and semiconductor names helps explain the sector tilt and can amplify both gains and losses tied to those companies’ fortunes.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 50.00%
    49.6%
  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 20.00%
    20.6%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    15.8%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 15.00%
    13.9%

Risk contribution shows how much each ETF adds to the portfolio’s overall volatility, which can differ from its simple weight. In this case, the all‑world ETF contributes about 50% of risk, almost exactly matching its 50% weight, while the S&P 500 fund and the EM value ETF each contribute slightly more risk than their allocations. The world value ETF contributes slightly less risk than its weight. Overall, the top three positions account for just over 86% of total portfolio risk, closely tracking their combined weight. That indicates risk is fairly proportional and there is no single satellite position dramatically dominating the ups and downs.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    State Street SPDR S&P 500 UCITS ETF (Acc)
    High correlation

The correlation data highlights that the S&P 500 ETF and the all‑world ETF move almost identically. Correlation measures how assets move together, on a scale from -1 to +1, where +1 means they usually rise and fall in tandem. When two holdings are highly correlated, holding both doesn’t add much diversification benefit between them, though each still contributes to global coverage. In practice, this means that a large part of the portfolio responds similarly to major global and US market news. The value factor and emerging markets components likely bring somewhat different behaviour, but the core remains tightly linked to broad developed‑market equity moves.

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 efficient frontier analysis suggests that, using the same four ETFs but with different weights, it would have been possible to achieve a better balance of risk and return over the period analysed. The current portfolio’s Sharpe ratio of 1.5 is solid, but it sits below both the maximum‑Sharpe and minimum‑variance portfolios derived from these holdings. The Sharpe ratio compares excess return to volatility, like measuring how much “extra” return you get per unit of bumpiness. Being roughly 2.9 percentage points below the frontier at the current risk level indicates there was room for more efficient weighting, even without adding new funds.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • 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) 0.17%

The weighted ongoing cost (TER) of about 0.17% per year is low for an actively tilted global equity mix. TER, or Total Expense Ratio, is the annual fee charged by the fund managers and comes out of the fund’s assets rather than as a separate bill. Low costs matter because they are one of the few factors investors can reliably control, and they compound over long periods just like returns do. Here, the broad market ETFs are especially cheap, while the factor and emerging markets exposures cost a bit more but still sit in a reasonable range. Overall, costs are impressively low and support long‑term efficiency.

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