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Concentrated global equity mix with strong US tilt and a noticeable bias toward technology and value factors

Report created on Jul 12, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a simple three-ETF mix that is 100% invested in equities. Around 70% sits in a broad US large-cap index fund, while the remaining 30% is split evenly across two value-focused ETFs, one global developed and one emerging markets. This kind of structure concentrates everything in one asset class but spreads it across different index styles. That matters because all positions are geared toward stock market risk rather than including bonds or cash stabilizers. The look is “equity core plus value tilt,” which tends to amplify both growth potential and the size of temporary declines when markets fall, since there is no built-in ballast from other asset types.

Growth Info

Over the period from late 2023 to mid‑2026, €1,000 in this portfolio grew to about €1,852. That translates to a Compound Annual Growth Rate (CAGR) of 25.78%, meaning the value increased on average by that percentage per year, similar to calculating a car’s average speed over a whole trip. This beat both the US market and global market benchmarks by roughly 4 percentage points per year. The worst peak‑to‑trough drop, or max drawdown, was about ‑21.9%, comparable to the benchmarks. The experience was still bumpy, with only 27 days making up 90% of returns, underlining how a handful of strong days drove much of the outcome.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate 1,000 different future paths for the portfolio over 15 years. Think of it as rolling the dice many times based on historical behavior to see a range of possible endings. The median outcome shows €1,000 potentially becoming around €2,663, with a broad middle band between roughly €1,785 and €4,102. The model also shows a 73.6% share of simulations ending with a gain and an average simulated annual return of 7.82%. These figures are not forecasts or promises; they simply illustrate what could happen if future market swings resemble the past, which they may not.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with 0% in bonds, cash, or alternative assets. From an asset class perspective, that means returns are entirely linked to equity market moves, without the dampening effect that fixed income or cash can provide. In many diversified benchmarks, bonds and other defensive assets typically make up a noticeable share, reducing volatility. Here, the trade‑off is clear: higher potential long‑term growth comes with fuller exposure to equity ups and downs. This all‑equity structure helps explain both the strong historical gains and the relatively deep drawdown, as there was nothing in the mix designed to move differently from stocks during stress.

Sectors Info

  • Technology
    39%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio is heavily tilted toward technology at about 39%, with the rest spread across financials, consumer sectors, telecoms, industrials, health care, and smaller slices in energy, materials, utilities, and real estate. Many global equity benchmarks have become tech-leaning, but this portfolio sits toward the higher end of that range. A tech-heavy profile can benefit from innovation and growth trends yet may be more sensitive when interest rates rise or when investors rotate away from growth-style companies. The presence of multiple other sectors still adds some diversification, but day‑to‑day performance is likely to be strongly influenced by what happens in the technology-related part of the market.

Regions Info

  • North America
    76%
  • Asia Developed
    8%
  • Europe Developed
    5%
  • Asia Emerging
    5%
  • Japan
    3%
  • Latin America
    1%
  • Africa/Middle East
    1%
  • Europe Emerging
    1%

Geographically, about 76% of the portfolio is in North America, with smaller exposures to developed Asia, developed Europe, emerging Asia, Japan, Latin America, Africa/Middle East, and emerging Europe. Many global indices also have a US or North American tilt, but this portfolio leans even more in that direction. That alignment can be beneficial when North American markets lead, as they have in recent years, which helps explain the strong historic results. The flip side is that returns are closely tied to one region’s economy, politics, and currency. The relatively modest allocations elsewhere mean that events outside North America will have a smaller impact, both positive and negative.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    1%

The portfolio is dominated by large companies: roughly 47% mega‑cap, 34% large‑cap, 17% mid‑cap, and only 1% small‑cap. So most exposure is to established, globally significant firms rather than smaller, more locally focused businesses. Large and mega‑caps often provide more stability, deeper liquidity, and more analyst coverage, which can help during market stress. However, they may sometimes lag smaller companies during strong economic expansions when smaller firms can grow faster from a lower base. The relatively small small‑cap slice means the portfolio behaves more like a big-company index, with less of the additional volatility that often comes with smaller and more speculative names.

True holdings Info

  • NVIDIA Corporation
    5.52%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Apple Inc.
    4.93%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Microsoft Corporation
    3.60%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Micron Technology Inc
    2.97%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Amazon.com Inc
    2.84%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class A
    2.38%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Broadcom Inc
    2.28%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class C
    1.89%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.86%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Meta Platforms Inc.
    1.49%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Top 10 total 29.75%

Looking through the top holdings, a handful of giant tech and internet-related companies dominate the visible exposures. Nvidia, Apple, Microsoft, Amazon, the two Alphabet share classes, Meta Platforms, Broadcom, TSMC, and Micron together form a notable chunk of the portfolio. All these positions come indirectly via ETFs, not as individual stocks, but several appear in more than one fund. This overlap creates hidden concentration: a single company’s moves can ripple through multiple ETFs at the same time. Because only ETF top‑10 positions are shown, the true overlap is probably somewhat higher, meaning actual diversification across individual businesses is slightly less than the number of funds might suggest.

Risk contribution Info

  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 70.00%
    71.8%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    15.1%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 15.00%
    13.2%

Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, the main S&P 500 ETF is 70% of the portfolio but contributes about 71.8% of the total risk, almost a one‑for‑one match. The emerging markets value ETF is 15% of the weight and 15.1% of the risk, while the world value ETF is 15% of the weight but only 13.2% of the risk. This indicates that the global value ETF is a bit less volatile or more diversifying than its size suggests. Overall, risk is relatively proportionate to weights, without a single holding contributing dramatically more risk than its share.

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.

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The risk‑return chart uses the efficient frontier, which shows the best expected return for each risk level using only the current holdings in different mixes. The current portfolio has a Sharpe ratio of 1.44, below both the max‑Sharpe (1.93) and minimum‑variance (1.76) points. Sharpe ratio compares excess return to volatility, like checking how much “extra” return you get for each unit of bumpiness. Being 3.25 percentage points below the frontier at the same risk level means that, historically, a different blend of these three ETFs could have improved the trade‑off between risk and reward without adding new assets—simply by adjusting the weights among the existing funds.

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%
  • Weighted costs total (per year) 0.10%

The reported ongoing charges (TERs) for the two value ETFs are 0.40% and 0.30%, while the overall portfolio TER is a low 0.10%. TER, or Total Expense Ratio, is the annual fee charged by the funds, taken directly out of their assets—like a small haircut on returns each year. An aggregate cost of 0.10% is impressively low, especially for a portfolio with both developed and emerging market exposure plus factor tilts. Lower fees mean more of the portfolio’s gross return stays in your pocket, and that cost advantage can compound meaningfully over long periods, acting like a quiet tailwind rather than a drag.

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