This portfolio has only about 1.5 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Globally diversified equity portfolio with strong quality and value tilts and efficient but growth leaning risk profile

Report created on Mar 24, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is a pure equity mix, with 100% in stocks via a blend of broad global ETFs and a few large single stocks. Roughly two thirds sits in diversified world and regional funds, while around one third is in individual names, led by Berkshire Hathaway, NVIDIA, and Netflix. This structure combines a core “own the world” base with a satellite layer of high‑conviction picks. A setup like this can work well when the core is broadly diversified and the satellites are sized sensibly relative to risk. Here, the overall shape is equity‑heavy and growth‑oriented, so it fits someone who accepts meaningful ups and downs for higher long‑term return potential.

Growth Info

Over the short window from October 2024 to March 2026, €1,000 grew to about €1,171, a compound annual growth rate (CAGR) of 11.94%. CAGR is the “average speed” of growth per year. This trails the US market reference (CAGR ~19.9%) but beats the global market (~9.3%). The maximum drawdown, or worst peak‑to‑trough fall, was about −20.6%, similar to the global market and far deeper than the US index. A handful of days drove most returns, which is normal for equities and a reminder why staying invested matters. Past performance over such a short period is noisy, so it shouldn’t be over‑weighted in long‑term decisions.

Projection Info

The Monte Carlo simulation projects how €1,000 might grow over 10 years by reshuffling past return patterns into 1,000 possible futures. It estimates a wide range: in the pessimistic 5% of cases, total return is about 8%; in the median case, more than tripling; and in stronger scenarios, far higher. The average simulated annual return is around 13.9%, which is encouraging but not a promise. Because the portfolio only has limited history, these projections are less reliable than those built on decades of data. Simulations are best seen as “weather scenarios” rather than precise forecasts: they show what kind of ups and downs are plausible, not what will actually happen.

Asset classes Info

  • Stocks
    100%

All assets are in stocks, with no bonds, cash, or alternatives making the 2% threshold. That explains why the risk profile lands as “balanced but equity‑heavy”: volatility is entirely driven by share prices, with nothing more defensive to cushion big market drops. In equity‑only portfolios, diversification has to come from spreading across regions, sectors, and company sizes rather than mixing in safer asset classes. This setup can suit someone with a long horizon who can stomach sizeable swings and does not need stable short‑term cash flows. Anyone closer to needing the money might normally consider mixing in some lower‑risk assets to smooth the ride.

Sectors Info

  • Financials
    25%
  • Technology
    21%
  • Telecommunications
    11%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Energy
    7%
  • Health Care
    6%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is nicely spread, with financials and technology leading, followed by communication services, industrials, and consumer cyclicals. No single sector completely dominates, which is a strong positive and aligns well with broad global benchmarks. A roughly one‑fifth tilt to technology, plus sizeable exposure to communication services and cyclicals, keeps the portfolio sensitive to growth and innovation trends. That can boost returns when risk appetite is high but can also intensify drawdowns if interest rates rise or growth expectations cool. The presence of defensives like healthcare, utilities, and consumer staples, even in smaller amounts, helps soften sector‑specific shocks and improves overall resilience without diluting growth too much.

Regions Info

  • North America
    73%
  • Europe Developed
    13%
  • Japan
    5%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is firmly tilted to North America at about 73%, with Europe, Japan, and other regions making up the rest. That concentration is actually quite close to global market weights, since the US dominates world equity indices by size. This alignment with global norms is a real strength and supports broad diversification across major economies. However, it does mean results will be heavily influenced by US markets and the US dollar over time. Smaller allocations to emerging and non‑US developed regions help, but they won’t fully offset a bad decade for US equities. Anyone wanting more regional balance could modestly raise exposures outside North America.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    18%
  • Small-cap
    13%
  • Mid-cap
    13%
  • Micro-cap
    9%

The market cap mix spans the spectrum: nearly half in mega‑caps, then meaningful weights in big, mid, small, and even micro‑caps. That’s quite unusual in a positive way, because many portfolios end up almost entirely mega‑cap focused through standard index funds. The strong allocation to smaller companies comes mainly from the global small‑cap value ETF. Smaller firms tend to be more volatile but can offer higher long‑term growth potential and different drivers of return than giants. This size blend supports diversification across company life‑cycles and business models. It also explains some of the portfolio’s bumpiness but can pay off over longer horizons if small caps are rewarded.

True holdings Info

  • Berkshire Hathaway Inc
    9.88%
  • Netflix Inc
    6.24%
  • NVIDIA Corporation
    6.05%
  • NVIDIA Corporation
    2.14%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Apple Inc
    1.96%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Microsoft Corporation
    1.47%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Amazon.com Inc
    1.02%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Alphabet Inc Class A
    0.92%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Alphabet Inc Class C
    0.75%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Broadcom Inc
    0.75%
    Part of fund(s):
    • Amundi Prime All Country World UCITS ETF Acc EUR
    • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
  • Top 10 total 31.20%

Looking through the ETFs’ top holdings, the biggest exposures are your deliberate single stocks: Berkshire, Netflix, and NVIDIA. On top of that, core global names like Apple, Microsoft, Amazon, Alphabet, and Broadcom appear via the ETFs, but the measured overlap is modest because only ETF top‑10 positions are counted. Hidden concentration is therefore likely understated, especially in large US tech and communication companies. When the same big company sits inside multiple funds plus any direct positions, its influence on portfolio moves can be larger than it looks from headline weights. Periodically checking aggregate exposure to those giants helps avoid unintentionally betting too heavily on a small group of mega‑caps.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 49%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 22%
Yield
Preference for dividend-paying stocks
Low
Data availability: 6%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 26%

Factor exposure shows strong tilts to quality, value, and momentum, with moderate size and low‑volatility signals. “Factors” are characteristics like cheapness (value) or trend strength (momentum) that studies link to long‑term return patterns. A high quality tilt means the portfolio leans toward profitable, stable companies, which can be helpful in downturns. The big value tilt, driven largely by the small‑cap value ETF, tends to do well when investors rotate into cheaper stocks, though it can lag in pure growth booms. Momentum exposure usually helps in strong trending markets but can hurt when trends suddenly reverse. Overall this factor mix is quite sophisticated and historically robust, though factor cycles can be long and uncomfortable.

Risk contribution Info

  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 26.78%
    28.5%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 21.40%
    19.7%
  • NVIDIA Corporation
    Weight: 6.05%
    11.4%
  • Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    Weight: 11.32%
    10.6%
  • Berkshire Hathaway Inc
    Weight: 9.88%
    7.0%
  • Top 5 risk contribution 77.3%

Risk contribution shows how much each position drives overall volatility, which often differs from its simple weight. The global small‑cap value ETF is about 27% of capital but contributes almost 29% of risk, so it’s slightly more “loud” than its size. NVIDIA is the standout: roughly 6% of the portfolio yet over 11% of total risk, a risk‑to‑weight ratio near 1.9. Berkshire, in contrast, adds less risk than its allocation suggests, reflecting its relatively steadier profile. When a single stock punches far above its weight in risk terms, it’s worth checking whether that concentration is intentional. Adjusting position sizes can bring risk contributions closer to what feels comfortable.

Redundant positions Info

  • Vanguard S&P 500 UCITS Acc
    Vanguard FTSE All-World UCITS ETF USD Accumulation
    Amundi Prime All Country World UCITS ETF Acc EUR
    Invesco FTSE All-World UCITS ETF USD Accumalation EUR
    SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    High correlation

The core global and US ETFs are highly correlated with each other, meaning they tend to move in very similar ways. Correlation measures how assets move together, from +1 (almost identical) to −1 (move opposite). While holding several broad global and US funds looks diversified on paper, in practice they often behave like one big position. This is why the analysis notes limited diversification benefits from some holdings. It’s not a problem that they’re correlated with the global market—that’s expected—but it does mean multiple overlapping funds may not add much extra risk reduction. Trimming redundant, near‑identical exposures can sometimes simplify the portfolio without changing its overall behavior.

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 lies on the efficient frontier, which means that for its mix of holdings, the weights are already arranged in a risk‑efficient way. The Sharpe ratio—a measure of return earned per unit of risk—is solid at about 0.68 and bettered only by a more aggressive optimal mix at higher volatility. The minimum‑risk version of these holdings would be calmer but also lower returning. Because you’re already on the frontier, there’s no obvious efficiency gap to close just by reweighting. Any further changes are more about personal comfort: dialing risk up or down, or reducing overlap between similar funds to simplify without sacrificing efficiency.

Ongoing product costs Info

  • Amundi Stoxx Europe 600 UCITS ETF C EUR 0.07%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Weighted costs total (per year) 0.06%

The explicit fund costs are impressively low, with a total TER (ongoing fee level) around 0.06%. TER, or Total Expense Ratio, is the annual percentage fee taken by a fund; keeping this low is one of the few things fully under an investor’s control. Your largest building blocks are from providers known for cost efficiency, and even the pricier ACWI ETF sits at a reasonable level. Over decades, the difference between paying 0.06% and, say, 1% per year can amount to tens of percent in final wealth. On the cost front, this setup is very strong and clearly supports better long‑term compounding.

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