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Globally diversified stock bond and property mix with cautious risk and strong historical resilience

Report created on Jun 18, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is a simple four‑ETF mix with a clear core–satellite structure. Around 59% sits in a global equity index fund, which acts as the main growth engine. A further 12% adds extra exposure to emerging markets, and 8% is in listed property, adding a different type of equity risk. The remaining 21% is in a global bond fund, which is the key stabiliser. This setup is easy to understand and manage: one broad world equity fund at the centre, plus three diversifiers around it. The structure lines up well with a cautious risk profile because there is a meaningful bond component while still keeping most of the portfolio growth‑oriented.

Growth Info

Over the period from 2018 to mid‑2026, €1,000 in this portfolio grew to about €2,190, a compound annual growth rate (CAGR) of 10.15%. CAGR is like your average speed on a long trip, smoothing out bumps along the way. The portfolio’s max drawdown, or worst peak‑to‑trough fall, was about -22.9% during early 2020, recovering in roughly eight months. That’s notably milder than both the US and global equity benchmarks, which fell by about a third. The trade‑off is slower long‑term growth: it lagged the US market by about 6 percentage points a year, and the global market by about 3, reflecting the cushioning effect of bonds and property.

Projection Info

The Monte Carlo projection looks at 1,000 possible futures based on how the portfolio behaved historically. Monte Carlo basically shuffles and replays return patterns thousands of times to see a range of outcomes, rather than one straight line. After 15 years, the median scenario turns €1,000 into about €2,649, while the middle half of outcomes sits between roughly €1,825 and €3,749. The wide 5–95% band, from around €1,053 to €6,526, shows how uncertain markets can be. The average simulated annual return of 7.41% is lower than historic 10.15%, underlining that past performance is no guarantee and future conditions may be less generous.

Asset classes Info

  • Stocks
    79%
  • Bonds
    21%

Asset‑class wise, about 79% of the portfolio is in equities (including property) and 21% in bonds. That mix is more growth‑oriented than the “cautious” label might suggest at first glance, but the global aggregate bond fund significantly softens overall volatility. Equities are the main drivers of long‑term growth, while bonds typically offer lower returns but more stability and income. Compared with a pure equity benchmark, this portfolio intentionally sacrifices some upside for smoother rides in tough periods. The allocation is also straightforward: one broadly diversified bond ETF alongside three equity components, which keeps the number of moving parts limited while still providing multi‑asset exposure.

Sectors Info

  • Technology
    22%
  • Financials
    12%
  • Real Estate
    9%
  • Industrials
    7%
  • Consumer Discretionary
    7%
  • Telecommunications
    6%
  • Health Care
    5%
  • Consumer Staples
    3%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is dominated by technology at 22%, followed by financials at 12% and real estate at 9%, with the rest spread across a wide range of sectors. This looks broadly similar to modern global equity benchmarks, where tech has grown into a large slice of the market. A tech tilt can boost returns when innovation‑driven companies are doing well but can add extra volatility when interest rates rise or sentiment turns against growth shares. The dedicated property ETF increases real estate exposure beyond what a broad global index alone would hold, adding some diversification but also tying a portion of the portfolio more directly to property market cycles.

Regions Info

  • North America
    44%
  • Asia Developed
    10%
  • Europe Developed
    9%
  • Asia Emerging
    7%
  • Japan
    4%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio leans toward North America at 44%, with additional exposure across developed Asia, Europe, Japan, emerging Asia, and smaller allocations to Africa, Latin America, and Australasia. This is broadly aligned with global stock market weights, where the US is a large component, but still gives meaningful room to other regions. That spread helps reduce reliance on any single economy or currency, supporting the strong diversification score. Compared with a pure US‑focused portfolio, this one shares in global growth drivers and different policy environments. At the same time, it still benefits when US markets do well, thanks to that sizeable North American share.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    25%
  • Mid-cap
    15%
  • Small-cap
    3%

This breakdown covers the equity portion of your portfolio only.

By market size, about 35% of the portfolio sits in mega‑caps and 25% in large‑caps, with mid‑caps at 15% and small‑caps at 3%. This is pretty close to a standard global market‑cap profile, where the biggest companies naturally take up the most space. Mega‑ and large‑caps usually bring stronger balance sheets, more stable earnings, and deeper trading liquidity, which can reduce volatility compared with a small‑cap‑heavy approach. The modest mid‑ and small‑cap slice still introduces some exposure to more nimble, faster‑growing businesses. Overall, this size mix supports the cautious risk rating by relying mainly on established companies while still leaving room for growth potential further down the size spectrum.

True holdings Info

  • NVIDIA Corporation
    2.75%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.51%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
    • iShares Core MSCI EM IMI UCITS ETF
  • Apple Inc
    2.30%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
  • Microsoft Corporation
    1.78%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
  • Amazon.com Inc
    1.50%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
  • Alphabet Inc Class A
    1.32%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
  • Broadcom Inc
    1.14%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
  • Alphabet Inc Class C
    1.07%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
  • Samsung Electronics Co Ltd
    0.82%
    Part of fund(s):
    • iShares Core MSCI EM IMI UCITS ETF
  • Meta Platforms Inc.
    0.79%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS
  • Top 10 total 15.96%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs’ top holdings, the largest underlying positions are concentrated in a handful of global giants like NVIDIA, TSMC, Apple, Microsoft, Amazon, Alphabet, Broadcom, Samsung, and Meta. Each individual company remains a small percentage of the total portfolio, with the biggest around 2.75%. Several of these names appear in multiple funds, creating some hidden overlap that increases exposure to them more than any single ETF weight suggests. Because only each ETF’s top 10 is included, actual overlap is probably higher. Still, even with this clustering, no single stock dominates, so concentration risk is contained and fits the diversified score.

Risk contribution Info

  • Vanguard FTSE All-World UCITS
    Weight: 59.00%
    74.2%
  • iShares Core MSCI EM IMI UCITS ETF
    Weight: 12.00%
    16.3%
  • iShares Developed Markets Property Yield UCITS ETF USD (Dist) EUR
    Weight: 8.00%
    8.5%
  • iShares Global Aggregate Bond UCITS Dist
    Weight: 21.00%
    1.0%

Risk contribution tells you how much each holding drives the portfolio’s ups and downs, which can differ from simple weights. Here, the global equity ETF is 59% of the portfolio but contributes about 74% of total risk. The emerging markets ETF is 12% of assets but over 16% of risk, reflecting its higher volatility. The property ETF’s risk share is roughly in line with its weight. In contrast, the global bond ETF is 21% of the portfolio but under 1% of risk, working as a strong shock absorber. With the top three holdings accounting for 99% of overall risk, the practical risk story is almost entirely about the equity side.

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 shows this portfolio sits on or very close to the best possible risk–return curve using these four ETFs. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is 0.53 for the current mix. The maximum‑Sharpe version of these same holdings would reach 0.84 by accepting higher volatility, while the minimum‑variance mix would lower volatility but also cut returns significantly. Being near the frontier means the current allocation is using its ingredients effectively for its chosen risk level. Any big improvement in the risk/return trade‑off would require different building blocks, not just reweighting these ones.

Dividends Info

  • iShares Core MSCI EM IMI UCITS ETF 1.80%
  • iShares Developed Markets Property Yield UCITS ETF USD (Dist) EUR 3.40%
  • Weighted yield (per year) 0.49%

On the income side, the portfolio’s overall dividend yield is estimated at about 0.49%, which is relatively modest. The standout income contributor is the developed markets property ETF at around 3.4% yield, while the emerging markets ETF yields about 1.8%. Dividend yield is simply the annual cash payout as a percentage of the fund’s price. A lower headline yield often signals that returns have come more from capital growth than from income distributions. That lines up with the strong historical CAGR. For someone relying on withdrawals, this would typically mean selling small portions of holdings over time rather than living mainly off dividends.

Ongoing product costs Info

  • iShares Global Aggregate Bond UCITS Dist 0.10%
  • iShares Core MSCI EM IMI UCITS ETF 0.18%
  • Vanguard FTSE All-World UCITS 0.19%
  • iShares Developed Markets Property Yield UCITS ETF USD (Dist) EUR 0.59%
  • Weighted costs total (per year) 0.20%

Costs are a real strength here. The portfolio’s weighted ongoing charge (Total TER) is around 0.20% per year, which is very low for a diversified, multi‑asset mix spanning global equities, bonds, emerging markets, and property. TER, or Total Expense Ratio, is like a management fee that quietly reduces returns each year. Over long periods, even small differences compound. Paying 0.20% instead of, say, 0.80% could leave noticeably more money in your pocket over decades. The more expensive piece is the property ETF at 0.59%, but it’s a small slice of the total. Overall, the cost structure is impressively lean and supports better long‑term performance.

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