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Closet global indexer with a secret tech crush pretending to be a balanced thoughtful portfolio

Report created on Apr 22, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is basically a world index with two loud sidekicks shouting the same story. Seventy percent in a global all‑cap fund says “I give up, I’ll just own everything.” Then 15% in a US index and 15% in emerging value get stapled on like decorations that don’t match. The result is less “carefully designed mix” and more “ACWI plus vibes.” Structurally it’s clean and simple, but it also means most of the outcome is dictated by one holding, with the other two just tweaking style and regional tilt. It looks diversified on paper, but it’s mostly one big decision in a trench coat.

Growth Info

Historically this thing has been on a heater: turning €1,000 into €1,640 in under three years with a 22.19% CAGR is objectively spicy. Beating both the US and global markets by a couple of percentage points a year is nice, but let’s not pretend that was pure genius — this is heavily driven by the same large growth names that made everyone look smart lately. The -21% max drawdown says it still punches like an equity portfolio, not some “balanced” fairy tale. And 90% of returns coming from 21 days screams timing luck. Past data is yesterday’s weather: useful, but not a forecast.

Projection Info

The Monte Carlo projection says the future is a shrug with numbers attached. Simulations spin out a median of €2,752 after 15 years from €1,000, but the range from €947 to €7,504 is basically “anything from flatlining to victory lap.” Monte Carlo is just a fancy way of saying “we shook the historical stats in a cup 1,000 times and wrote down what fell out.” It assumes markets behave like a slightly drunk version of the past, which they rarely do on schedule. The 72.4% chance of a positive outcome is fine, but it’s still a pure equity roller coaster dressed up in statistics.

Asset classes Info

  • Stocks
    100%

Asset classes here are… singular. This is 100% stocks, zero bonds, zero cash, zero anything else. For something wearing a “balanced” risk label, it’s about as balanced as a one‑legged barstool. In asset class terms, there’s no shock absorber, no diversifier, just the equity engine revving all the time. That means every market tantrum goes straight to the portfolio’s face with no shield. On the plus side, at least there’s no confused half‑measure allocation to five different “low‑risk” products that don’t matter. On the minus side, it’s all growth mode, all the time, no off switch.

Sectors Info

  • Technology
    29%
  • Financials
    16%
  • Consumer Discretionary
    10%
  • Industrials
    10%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Staples
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, this portfolio is clearly in a committed relationship with technology at 29%, with financials limping in as the distant second at 16%. Everything else gets pocket‑change allocations, just enough to claim “diversified” on a slide deck. This is what happens when you let market‑cap indexing drive sector weights during a tech boom: your portfolio quietly becomes a bet on silicon and software while pretending to be neutral. It’s not outrageous, but it does mean a lot of the fate here hangs on a crowded group of expensive, hype‑sensitive businesses. When tech sneezes, this allocation will absolutely catch the flu.

Regions Info

  • North America
    62%
  • Asia Developed
    11%
  • Europe Developed
    10%
  • Asia Emerging
    8%
  • Japan
    4%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, this portfolio is doing the classic “global” thing that actually means “North America and some souvenirs.” Sixty‑two percent in North America dominates everything, with the rest of the world sprinkled in for decoration. Europe barely cracks double digits, emerging markets are an afterthought even with the EM value tilt, and the rest of the globe is pocket change. It’s basically investing according to today’s market weights, which is fine until leadership shifts and the home of the big benchmarks stops being the main growth engine. For now it’s standard practice; it’s also kind of lazy geography dressed up as sophistication.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    35%
  • Mid-cap
    15%

The market cap profile is a love letter to giants: 50% mega‑caps, 35% large‑caps, and a token 15% in mid‑caps just to avoid complete embarrassment. This is the classic “own the giants because the index said so” setup. When mega‑caps win, this looks genius; when they lag, the whole thing plods along like an overfed blue‑chip parade. There’s almost no meaningful exposure to smaller, scrappier companies that behave differently. Functionally, this portfolio is saying, “If it’s not huge, I’m not interested,” which is one way to invest, but it’s hardly adventurous or diversified in how returns are generated.

True holdings Info

  • NVIDIA Corporation
    4.43%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    3.90%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.76%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.60%
    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
  • Amazon.com Inc
    2.09%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.74%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.47%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.46%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.30%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    1.10%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 22.86%

The look‑through holdings are basically a fan club meeting for the usual mega‑cap suspects. NVIDIA, Apple, Microsoft, Amazon, both Alphabet share classes, Meta, Tesla — the full trading‑card set. These names show up across multiple ETFs, so the overlap is doing silent work: you think you own three funds, but underneath you’re just tripling down on the same tech‑heavy leadership. And that’s with only top‑10 data covering about a quarter of the portfolio — real overlap is almost certainly higher. This is textbook hidden concentration: diversified by wrapper, concentrated by underlying reality in the same small group of celebrity stocks.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 70.00%
    69.3%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 15.00%
    15.7%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    15.1%

Risk contribution here is refreshingly blunt: the 70% ACWI chunk drives 69.28% of total risk, with the two 15% sleeves each contributing about 15%. Nobody is secretly overpowered; there’s no 5% rocket stock causing 25% of the drama. But it also means the diversification story is thinner than it looks. Almost all the risk lives in one decision — owning the global index — with the extra funds mainly nudging style and country exposure, not changing the overall temperament. If ACWI has a bad year, this portfolio has a bad year. The S&P 500 sleeve especially is just echoing that risk.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

The correlation setup is quietly redundant: the S&P 500 ETF and the ACWI ETF move almost identically. Correlation is just “how much do these things dance together,” and here the answer is: basically in sync. So that 15% S&P 500 position isn’t bringing new behavior; it’s just a louder version of what the ACWI piece already does. In a crash, both are going down together, not taking turns. As diversification goes, this is like buying two nearly identical playlists and hoping one will sound different during a storm. It won’t — you’ve just doubled the chorus, not added a new song.

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 is sitting below its own efficient frontier, which is portfolio‑speak for “you’re not getting full value for the risk you’re taking.” The efficient frontier is the curve of best possible trade‑offs using the same ingredients, just in different proportions. Being 1.15 percentage points below that line means the mix is leaving performance on the table for the same volatility, or taking extra volatility for the same return. The max‑Sharpe version does a much better job with these exact holdings. For such a simple three‑fund setup, it still manages to be mathematically a bit lazy.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • SPDR S&P 500 UCITS ETF USD Acc EUR 0.03%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.15%

Costs are almost suspiciously reasonable. A total TER of 0.15% for a global equity setup is solid, with the S&P 500 ETF basically free at 0.03% and ACWI at 0.12%. The only mild offender is the EM value factor fund at 0.40%, which is like ordering the fancy drink on an otherwise cheap menu. Still, even with that, the overall cost level is low enough that fees aren’t quietly eating performance. If anything, this portfolio proves you can build something coherent without donating a percentage point a year to marketing budgets. You must have clicked the low‑fee options on purpose… probably.

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