Broad multi asset portfolio with strong global bias and cautious risk profile for steady growth

Report created on Mar 24, 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

The structure is clearly anchored in global stocks, with 60% in a hedged developed‑world ETF and another 10% in emerging markets. Around 10% is spread across bonds, including both high yield and emerging market debt, and another roughly 10% sits in “other” diversifiers like commodities, gold miners, uranium, and a cash‑like overnight rate ETF. This mix fits a cautious growth profile: most of the engine is global equities, while bonds, real estate, and commodities act as stabilisers and diversifiers. The blend is fairly modern and sensible, aiming for long‑term capital growth without going all‑in on pure stock market risk.

Growth Info

Over the last three years or so, €1,000 in this mix grew to about €1,465, implying a compound annual growth rate (CAGR) of 12.8%. CAGR is the “average speed” per year, smoothing out ups and downs. That’s slightly below the global equity benchmark’s 13.34% but with a smaller maximum drawdown than global stocks, and noticeably less return than the US market’s strong 20.22% CAGR. The portfolio also needed only 21 days to generate 90% of returns, showing how a handful of big days matter. The key point: performance has been solid and broadly in line with global markets, while staying within a cautious risk band.

Projection Info

The Monte Carlo simulation uses the portfolio’s past behaviour to generate 1,000 potential 10‑year paths for a €1,000 investment. Think of it as re‑rolling the historical dice many times to see a range of futures, not a single forecast. The median outcome (50th percentile) is a total return of about 430%, while even the pessimistic 5th percentile is still positive at around 84%. Simulated average annual return is 14.11%, and 994 of 1,000 scenarios end up ahead. This is encouraging, but it’s crucial to remember that simulations rely on historical patterns; markets can change, so these numbers are guides, not promises.

Asset classes Info

  • Stocks
    81%
  • Bonds
    10%
  • Other
    10%

Around 81% in stocks, 10% in bonds, and 10% in other assets is a clear growth‑tilted allocation, though still gentler than a pure equity portfolio. For a cautious risk score of 3/7, this is on the more growth‑oriented side but balanced by cash‑like and diversifying pieces. Compared with many global benchmarks that are almost entirely equities, you have a bit more ballast from bonds, commodities, and real estate. This allocation is well‑balanced and aligns closely with global standards for a growth‑leaning but not aggressive approach, offering both long‑term upside and some cushioning during market stress.

Sectors Info

  • Technology
    19%
  • Financials
    12%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Real Estate
    6%
  • Telecommunications
    6%
  • Health Care
    6%
  • Basic Materials
    5%
  • Energy
    4%
  • Consumer Staples
    4%
  • Utilities
    2%

Sector exposure is broad: technology leads at 19%, followed by financials, industrials, cyclicals, real estate, communication services, healthcare, and so on. No single sector completely dominates, which is a healthy sign. Compared with many global indices that are even more tech‑heavy, this looks a bit more balanced thanks to real estate, commodities, and gold/uranium producers adding a different flavour. Tech‑linked names still matter a lot, so you’ll feel rate‑sensitive swings, but diversification across 10+ sectors should soften blows from any one area. The portfolio’s sector composition matches benchmark data, which is a strong indicator of diversification.

Regions Info

  • North America
    56%
  • Europe Developed
    11%
  • Asia Developed
    5%
  • Japan
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is firmly tilted toward North America at 56%, with Europe, Japan, developed Asia, and emerging markets making up the rest. This mirrors how global indices look today, where US companies dominate market capitalisation. Being aligned with global weights is generally positive: you benefit if the world’s largest markets keep doing well, and you avoid big country bets. The flipside is that you’re relying heavily on the US economic and policy environment. If you ever want more balance, nudging exposure a bit more toward other regions can reduce dependence on a single market cycle without abandoning global diversification.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    29%
  • Mid-cap
    16%
  • Micro-cap
    2%
  • Small-cap
    2%

With 37% in mega caps and 29% in big caps, the portfolio is heavily influenced by the largest global companies. Another chunk is in medium‑sized firms, while small and micro caps are modest at around 2% each. This pattern is very similar to broad world indices and helps with stability: mega and large caps tend to be more resilient and liquid in tough markets. Smaller allocations to small caps mean you’re less likely to see wild swings from tiny, volatile companies. Overall, the market‑cap mix looks sensible for a cautious growth profile, keeping volatility in check while staying market‑aligned.

True holdings Info

  • NVIDIA Corporation
    3.01%
    Part of fund(s):
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Apple Inc
    2.71%
    Part of fund(s):
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Microsoft Corporation
    1.93%
    Part of fund(s):
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Amazon.com Inc
    1.41%
    Part of fund(s):
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Alphabet Inc Class A
    1.27%
    Part of fund(s):
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Alphabet Inc Class C
    1.06%
    Part of fund(s):
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Broadcom Inc
    1.01%
    Part of fund(s):
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Meta Platforms Inc.
    0.99%
    Part of fund(s):
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Tesla Inc
    0.80%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Eli Lilly and Company
    0.59%
    Part of fund(s):
    • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
  • Top 10 total 14.78%

Looking through ETF top holdings, the largest underlying exposures are the usual mega‑cap giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. This shows a meaningful tilt toward the global tech and growth leaders that dominate today’s indices. Because the same companies appear across multiple funds, there is hidden concentration: a drop in big US tech will ripple through several positions at once. Overlap is likely understated since only ETF top‑10 holdings are used. It’s not a flaw, but it means that what looks diversified by fund count is more tightly tied to a small group of global champions than the surface suggests.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 5%
Size
Exposure to smaller companies
No data
Data availability: 0%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 5%
Low Volatility
Preference for stable, lower-risk stocks
No data
Data availability: 0%

Factor exposure shows strong tilts toward value and yield, with a decent momentum component as well. Factors are like personality traits of investments: value leans toward cheaper stocks, yield leans toward higher income, and momentum follows recent winners. A value and yield tilt can be helpful when markets rotate away from expensive growth darlings and toward more reasonably priced, income‑producing names. Momentum can boost returns in trending markets, but may hurt during sharp reversals. Coverage for value and yield signals is low, so the readings are approximate, but the broad pattern is: slightly contrarian, income‑friendly, and not purely chasing high‑growth stories.

Risk contribution Info

  • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR
    Weight: 60.00%
    71.8%
  • Amundi MSCI Emerging Markets UCITS
    Weight: 10.00%
    11.5%
  • VanEck Uranium and Nuclear Technologies UCITS ETF A USD Acc EUR
    Weight: 2.50%
    5.3%
  • HSBC FTSE EPRA NAREIT Developed UCITS ETF
    Weight: 5.00%
    4.4%
  • iShares Gold Producers UCITS ETF USD (Acc)
    Weight: 2.50%
    3.1%
  • Top 5 risk contribution 96.1%

Risk contribution shows how much each holding drives overall volatility, which can be very different from simple weight. The main world ETF is 60% of the portfolio but contributes about 72% of total risk, giving it a risk‑to‑weight ratio above 1. Emerging markets have a similar slight uplift, while uranium stands out: at 2.5% weight it contributes over 5% of risk, more than double its size. That’s typical for very volatile niche themes. Top three holdings together account for nearly 89% of total risk, so the real risk levers are the core equity ETFs and the small but punchy uranium slice.

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 has expected return of 12.57% and risk of 10.44%, with a Sharpe ratio of 1.01. The efficient frontier shows combinations of the same holdings that offer better return for each level of risk. Since your current mix sits below that curve, the data suggests that reweighting could improve the trade‑off without adding new funds. Interestingly, the “optimal” and minimum‑variance portfolios here are extremely low‑risk, low‑return, while a same‑risk optimized version shows much higher expected return but also far more volatility. The main takeaway: there is room to refine weights to get closer to the frontier and squeeze more efficiency from the existing building blocks.

Ongoing product costs Info

  • Amundi MSCI Emerging Markets UCITS 0.20%
  • iShares € High Yield Corp Bond UCITS ETF EUR (Dist) EUR 0.55%
  • iShares MSCI World EUR Hedged UCITS ETF (Acc) EUR 0.55%
  • iShares Gold Producers UCITS ETF USD (Acc) 0.55%
  • iShares Diversified Commodity Swap UCITS ETF 0.19%
  • SPDR® Bloomberg Emerging Markets Local Bond UCITS ETF (Dist) 0.60%
  • Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C 0.10%
  • HSBC FTSE EPRA NAREIT Developed UCITS ETF 0.24%
  • Weighted costs total (per year) 0.45%

The total ongoing charge (TER) of roughly 0.45% is impressively low for a multi‑asset, globally diversified ETF portfolio. Individual fund fees are all in a reasonable range, with the core equity and bond ETFs sitting well within what’s typical for mainstream indexed products. Keeping costs down is one of the few levers investors fully control, and small fee differences compound significantly over decades. This cost structure supports better long‑term performance and leaves more of the gross return in your pocket. From a fee perspective, the setup is very strong and closely aligned with best practices in low‑cost, diversified investing.

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