Globally diversified equity portfolio with strong value tilt and balanced risk across three core ETFs

Report created on May 24, 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 built entirely from three broad equity ETFs, with 60% in a global all‑country fund, 30% in a developed‑markets value strategy, and 10% in an emerging‑markets value strategy. That creates a simple, easy‑to‑understand structure where each ETF plays a clear role. A concentrated line‑up like this keeps the portfolio straightforward to monitor and avoids spreading small amounts across many overlapping funds. At the same time, using global and value‑tilted building blocks means the underlying holdings are still highly diversified across many companies. The result is a globally oriented equity portfolio with a deliberate style tilt, rather than a complex mix of narrow thematic or niche positions.

Growth Info

Over the period from late 2018 to May 2026, €1,000 grew to about €2,625, which corresponds to a compound annual growth rate (CAGR) of 13.78%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. The portfolio slightly outpaced the global equity benchmark while lagging the US market, which had an unusually strong run. The maximum drawdown was about -33.5% during early 2020, similar to both benchmarks, and it took around 10 months to recover. That pattern suggests the portfolio has behaved like a mainstream global equity strategy, with comparable downside but a modest edge over the global market over this specific time window.

Projection Info

The forward projection uses a Monte Carlo simulation, which is like running thousands of “what if” scenarios using the portfolio’s past risk and return patterns. For a €1,000 starting amount over 15 years, the median outcome is about €2,817, with most simulations falling between roughly €1,898 and €4,201. A smaller share reach much higher or lower values, showing that results can vary widely. The overall average annualized return across simulations is 8.15%. These numbers are not forecasts or promises; they just show a range of plausible paths if the future looked statistically similar to the past. Real‑world outcomes can be better or worse than any model suggests.

Asset classes Info

  • Stocks
    100%

All of the portfolio is invested in stocks, with no bonds, cash, or alternatives in the mix. Equities on their own tend to offer higher long‑term growth potential but can experience larger short‑term swings than a multi‑asset blend that includes bonds. With 100% in stocks, the portfolio’s diversification is “sideways” across many companies and regions rather than “up and down” across different asset classes. Compared with a typical global multi‑asset benchmark that includes bonds, this structure naturally leads to more pronounced drawdowns and faster recoveries. The trade‑off is clear: more exposure to equity market risk in exchange for potentially higher returns over long periods.

Sectors Info

  • Technology
    33%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector‑wise, the portfolio leans heavily toward technology, at around one‑third of total exposure, with financials, industrials, consumer discretionary, telecoms, and healthcare also meaningful. Smaller slices go to energy, consumer staples, materials, utilities, and real estate. This breakdown is broadly in line with global equity benchmarks, which have become tech‑heavy as large technology companies have grown. Tech‑focused portfolios often benefit strongly during periods of innovation and low interest rates but can be more volatile when growth expectations cool or rates rise. The spread across non‑tech sectors provides some cushioning, yet technology companies still play a central role in driving overall returns and risks.

Regions Info

  • North America
    55%
  • Europe Developed
    17%
  • Asia Developed
    9%
  • Japan
    9%
  • Asia Emerging
    6%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, the portfolio is anchored in North America at 55%, with solid allocations to developed Europe, developed Asia, and Japan, plus smaller stakes in emerging regions such as Asia, Latin America, and Africa/Middle East. This is quite close to the distribution of global stock market value, meaning the portfolio is aligned with how the world’s listed companies are actually spread out. Such a structure helps avoid over‑reliance on any single economy or currency, while still allowing larger markets to dominate the overall footprint. The emerging‑market slice is meaningful but not overwhelming, adding growth potential and extra volatility without dominating the overall risk picture.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    38%
  • Mid-cap
    15%

By market capitalization, the portfolio tilts strongly to mega‑cap and large‑cap companies, which together account for over 80% of exposure, with mid‑caps making up the rest. Large and mega‑cap stocks are typically global leaders with more diversified revenues, deeper liquidity, and more analyst coverage. This often results in somewhat more stable behaviour than very small companies, though they can still be volatile. The mid‑cap allocation adds a layer of dynamism, since mid‑sized firms can grow faster and behave differently from giants. Overall, this size mix broadly mirrors major global indices, supporting diversification while leaning toward established, widely followed businesses.

True holdings Info

  • NVIDIA Corporation
    2.94%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    2.42%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Micron Technology Inc
    2.21%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.09%
    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
    1.74%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Intel Corporation
    1.58%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Amazon.com Inc
    1.53%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.34%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.14%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.13%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 18.11%

Looking through the ETFs’ disclosed top holdings, the largest underlying positions include several well‑known global technology and internet companies, along with major semiconductor manufacturers. Some names, like the large US tech platforms and key chipmakers, appear more than once across the different ETFs, creating overlap. This overlap can slightly increase concentration in these firms, meaning their share‑price moves may have a bigger impact than a simple ETF count suggests. However, only about a quarter of the portfolio is covered by top‑10 data, so hidden overlap in smaller positions is likely understated. Even so, the concentration in a handful of global leaders is noticeable but not extreme relative to common global benchmarks.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 60.00%
    59.8%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 30.00%
    30.3%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.9%

Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, each ETF’s share of risk is almost exactly in line with its allocation: about 60%, 30%, and 10%. That indicates the three funds have similar volatility and are reasonably well‑behaved relative to one another, with no single ETF dominating risk beyond its size. When risk contribution closely tracks weights, position sizing is the main driver of how much each holding influences the portfolio. This alignment is a positive sign, suggesting the portfolio’s risk profile matches its simple three‑fund structure without hidden risk hotspots.

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 compares the current mix to alternative weightings of the same three ETFs. The current portfolio has a Sharpe ratio of 0.65, while the maximum‑Sharpe and minimum‑variance portfolios both have Sharpe ratios above 0.80 with similar risk levels. The Sharpe ratio measures risk‑adjusted return, like how much return you get per unit of volatility after accounting for a risk‑free rate. The chart indicates the existing allocation already sits on or very close to the efficient frontier, meaning it uses these building blocks in a broadly efficient way. Adjusting weights could fine‑tune risk/return, but there is no obvious inefficiency based on this analysis.

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%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.40%

The portfolio’s total ongoing fee (TER) is about 0.40% per year, based on the weighted average of the three ETFs. TER, or Total Expense Ratio, is the annual cost the funds charge to cover management and operations, taken directly from fund assets. In practice, this reduces returns slightly each year, much like a small headwind. Relative to many actively managed funds, a 0.40% TER is competitively low, which is a positive aspect for long‑term compounding. Over long horizons, even modest fee differences can add up, so keeping costs in this range supports the portfolio’s ability to translate gross market returns into net outcomes for the investor.

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