Growth focused global equity portfolio with strong US tilt and efficient tech heavy structure

Report created on May 16, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a very simple three‑ETF mix split almost exactly into thirds. All three holdings are broad equity index funds, with no bonds, cash, or alternatives included. Two funds track very wide stock markets, while one focuses on a concentrated group of large growth companies. This kind of structure is easy to understand and monitor because there are only a few moving parts. It also means that every euro is working in stock markets rather than being split across multiple asset types. The “Growth Investors” risk label and 5/7 score line up well with this all‑equity, higher‑risk approach, while the moderate diversification score reflects that everything ultimately sits within one asset class.

Growth Info

Since early 2020, a hypothetical €1,000 in this portfolio grew to about €2,499, which is a strong outcome. The compound annual growth rate (CAGR) of 15.55% means the value increased on average by that percentage each year, similar to averaging a car’s speed over a long trip. This beat both the US market and the broader global market by a noticeable margin. The maximum drawdown of -31.88% during early 2020 was large but slightly smaller than the benchmarks, and it recovered in about five months. This pattern shows a portfolio that captured strong upside in growth stocks while handling the COVID crash about as well as, or slightly better than, broad markets.

Projection Info

The Monte Carlo projection uses many random “what if” paths based on past data to estimate possible future outcomes. Starting from €1,000, the median 15‑year result is around €2,782, with an annualized simulated return of 8.08%. The likely middle range (between the 25th and 75th percentiles) spans roughly €1,781 to €4,295, while extreme but still plausible cases run from about €916 to €7,562. This wide spread illustrates how uncertain long‑term equity investing can be, even when using historical patterns. The 83.3% rate of positive outcomes highlights that most simulations end above the starting point, but it also underlines that there remains a real chance of flat or negative results.

Asset classes Info

  • Stocks
    100%

All of the portfolio sits in stocks, with 0% allocated to bonds, cash, or alternative assets. Equities tend to offer higher long‑term growth potential but also larger swings in value, especially over shorter periods. Many broad benchmarks mix in other asset classes to smooth the ride; by contrast, this portfolio deliberately embraces stock‑only exposure. That helps explain both the strong recent returns and the meaningful drawdowns. From a diversification angle, being 100% in one asset class means that when global stocks struggle, there is no built‑in offset from less volatile assets. This structure is consistent with a growth‑oriented profile that prioritizes return potential over short‑term stability.

Sectors Info

  • Technology
    40%
  • Telecommunications
    11%
  • Consumer Discretionary
    10%
  • Financials
    9%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Sector‑wise, the portfolio leans heavily into technology at around 40%, with telecommunications and consumer discretionary also sizeable. Financials, industrials, health care, and consumer staples make up most of the remainder, with smaller allocations to energy, utilities, materials, and real estate. Compared with broad global indices, this is a more tech‑heavy mix, which aligns with the inclusion of a dedicated growth‑oriented index. Tech and related areas often drive strong performance when innovation and earnings growth are rewarded by markets, but they can be more sensitive to interest rate moves and shifts in investor sentiment. The spread across other sectors still provides some diversification, but technology clearly sets the tone.

Regions Info

  • North America
    91%
  • Europe Developed
    6%
  • Japan
    2%
  • Australasia
    1%

Geographically, about 91% of the portfolio sits in North America, with only modest exposure to developed Europe, Japan, and Australasia. This is more US‑tilted than many global benchmarks, which usually allocate a larger share to other regions. The strong recent performance of US large growth companies helps explain the portfolio’s outperformance versus global markets over the period shown. At the same time, this concentration ties outcomes closely to one economy, one currency, and one policy environment. If leadership in global markets were to shift toward other regions, a portfolio with this profile would track that change less closely. The small slices outside North America still add a bit of international diversification.

Market capitalization Info

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

By market capitalization, the portfolio is dominated by mega‑cap and large‑cap companies, together making up about 85%, with the remaining 15% in mid‑caps and no meaningful small‑cap exposure. Large and mega‑cap firms tend to be established businesses with deep liquidity and broad analyst coverage, which can mean more stability and tighter trading spreads. Many major stock indices are naturally tilted this way, so the portfolio’s cap profile is broadly aligned with common benchmarks. The limited mid‑cap portion adds some extra growth potential and diversification, but overall the behaviour will mainly reflect the performance of the world’s biggest listed companies rather than smaller, potentially more volatile firms.

True holdings Info

  • NVIDIA Corporation
    7.22%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Apple Inc
    6.08%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Microsoft Corporation
    4.51%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Amazon.com Inc
    3.85%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class A
    3.17%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Broadcom Inc
    2.75%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class C
    2.73%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Meta Platforms Inc.
    2.31%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Tesla Inc
    2.15%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 UCITS Acc
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Walmart Inc.
    1.04%
    Part of fund(s):
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Top 10 total 35.83%

Looking through the ETFs’ top holdings, a handful of big US growth names stand out: NVIDIA, Apple, Microsoft, Amazon, the two Alphabet share classes, Broadcom, Meta, Tesla, and Walmart. These alone account for a meaningful slice of total exposure when combined across funds, with NVIDIA above 7% and Apple above 6%. Because these names appear in multiple ETFs, their influence is larger than any single fund’s top‑10 list might suggest. This is a classic example of “hidden” overlap: the portfolio feels diversified at the fund level, but underlying positions cluster in the same global giants. The coverage only includes ETF top‑10s, so true overlap across all holdings is likely somewhat higher.

Risk contribution Info

  • iShares NASDAQ 100 UCITS ETF USD (Acc)
    Weight: 33.33%
    38.0%
  • Vanguard S&P 500 UCITS Acc
    Weight: 33.34%
    31.9%
  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Weight: 33.33%
    30.1%

Risk contribution measures how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, the three ETFs each have roughly one‑third weight, but the NASDAQ 100 fund contributes about 38% of total risk, more than its share. The S&P 500 and MSCI World funds contribute slightly less risk than their weights, at around 32% and 30% respectively. This pattern shows that the more concentrated, growth‑oriented NASDAQ exposure drives a disproportionate slice of volatility. It acts as the “loudest instrument” in the mix, even though all funds are similarly sized, which aligns with its focus on a narrower set of higher‑beta companies.

Redundant positions Info

  • Vanguard S&P 500 UCITS Acc
    iShares Core MSCI World UCITS ETF USD (Acc) EUR
    High correlation

The correlation view highlights that the MSCI World and S&P 500 ETFs move almost identically. Correlation is a measure from -1 to 1 that shows how assets move together; when two funds are highly positively correlated, they tend to go up and down at the same time. In practice, this means these two holdings behave very similarly, both being broad developed‑market large‑cap equity trackers with a big US component. As a result, the portfolio’s diversification mainly comes from mixing these broad funds with the more focused NASDAQ 100 exposure, rather than from major differences between the two core indices. This is a common pattern in global equity‑heavy portfolios.

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 risk‑return chart and efficient frontier show that this portfolio sits on or very near the efficient frontier using these three ETFs. The efficient frontier is the curve of best possible returns for each risk level, given the existing holdings. The current mix has a Sharpe ratio of 0.75 — a measure of return per unit of risk — compared with 0.89 for the optimal combination and 0.72 for the minimum‑variance mix. This suggests the existing allocation achieves a solid balance between growth and volatility, already making good use of the available building blocks. Any further efficiency gains from reweighting would likely be incremental rather than transformational.

Ongoing product costs Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • iShares NASDAQ 100 UCITS ETF USD (Acc) 0.36%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Weighted costs total (per year) 0.21%

The portfolio’s total ongoing fee level, measured by the weighted average Total Expense Ratio (TER), is about 0.21% per year. TER is the annual cost charged by the funds, taken directly out of their assets, so it quietly reduces returns over time. For a fully equity ETF portfolio, this is impressively low and competitive with many low‑cost index offerings. The cheapest holding is the S&P 500 ETF at 0.07%, while the NASDAQ 100 fund is higher at 0.36%, pulling the average up a bit. Keeping costs at this level supports better long‑term compounding, because less performance is eaten up by fees each year.

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