Globally diversified stock portfolio with smart tilts towards emerging markets and smaller companies

Report created on Apr 9, 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 portfolio is very simple and clean: three equity ETFs and nothing else. Around 80% sits in a broad global developed markets fund, with 10% in emerging markets and 10% in global small caps. So it’s essentially a 100% stock portfolio with a mild tilt toward riskier areas like emerging markets and smaller companies. That structure keeps things easy to manage and understand, while still going beyond a single broad fund. For someone comfortable with stock market ups and downs, this kind of “one core plus two satellites” approach is a solid way to add extra growth potential without becoming overly complex.

Growth Info

Historically, €1,000 grew to about €2,360 over eight years, a compound annual growth rate (CAGR) of 11.34%. CAGR is like your average speed on a long road trip – it smooths out all the bumps to show steady progress. This result is almost identical to the global market and only slightly behind the US market, which had a particularly strong decade. The max drawdown, a drop of about -34% in early 2020, is in line with major indices. That shows this portfolio has behaved very similarly to global equities overall, which is a reassuring sign for a globally diversified stock strategy.

Projection Info

The Monte Carlo projection simulates many possible 15‑year paths by shuffling historical returns in different ways to see a range of outcomes. It’s like running the same movie 1,000 times with small variations. The median result turns €1,000 into about €2,714, with an average simulated return of 8.1% per year. But the possible range is wide: roughly €886 to €7,909 in the central 90% of scenarios. That spread shows how uncertain long‑term equity investing can be. These are just modelled outcomes based on the past, not promises, so they’re best used as rough planning tools rather than precise forecasts.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with 0% in bonds, cash, or alternatives. That means returns are fully tied to equity markets, with no built‑in cushion from more stable assets. For a “balanced” risk label, this allocation is actually quite growth‑oriented. The upside is strong long‑term return potential; the downside is that large temporary losses are absolutely possible, as seen in 2020. This structure fits investors who can handle swings and don’t need to draw on the money in the short term. Anyone wanting smoother rides usually mixes in some bonds or cash to dampen volatility.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sector exposure is well spread, with technology the largest at 25%, followed by financials, industrials, and consumer‑related areas. This looks broadly similar to common global benchmarks, which is a positive sign of diversification. A 25% tech share does mean the portfolio will be sensitive to interest rates, regulation, and innovation cycles, because tech often moves strongly when these factors shift. The good news is that health care, financials, and more defensive areas like consumer staples and utilities are also present, providing some balance. Overall, the sector mix is healthy and aligns closely with global standards, which is exactly what you want from broad index funds.

Regions Info

  • North America
    65%
  • Europe Developed
    15%
  • Japan
    6%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 65% is in North America, 15% in developed Europe, and the rest spread across Japan, other developed Asia, and emerging regions. That 65% North America share is similar to global indices, reflecting the dominance of US companies in world markets. This is a strength: the portfolio isn’t making a big country bet versus the global stock universe. At the same time, there is meaningful exposure to Asia and emerging markets, which can help if growth leadership shifts outside the US in future decades. The trade‑off is some currency and political risk in those smaller regions, but at modest weights.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    31%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    1%

By market capitalization, the portfolio leans toward the biggest companies: roughly 74% in mega and large caps, with the rest in mid, small, and a tiny slice of micro caps. That’s expected given two broad world funds plus a dedicated small‑cap ETF. Large companies tend to be more stable, with smaller swings and more predictable earnings, while small caps can be more volatile but sometimes offer higher growth potential. Having a dedicated 10% small‑cap sleeve is a deliberate tilt toward this growthier, bumpier part of the market. It adds diversification because small caps often don’t move exactly in sync with mega caps over time.

True holdings Info

  • NVIDIA Corporation
    4.02%
    Part of fund(s):
    • db x-trackers MSCI World Index UCITS DR 1C
  • Apple Inc
    3.66%
    Part of fund(s):
    • db x-trackers MSCI World Index UCITS DR 1C
  • Microsoft Corporation
    2.59%
    Part of fund(s):
    • db x-trackers MSCI World Index UCITS DR 1C
  • Amazon.com Inc
    1.88%
    Part of fund(s):
    • db x-trackers MSCI World Index UCITS DR 1C
  • Alphabet Inc Class A
    1.69%
    Part of fund(s):
    • db x-trackers MSCI World Index UCITS DR 1C
  • Alphabet Inc Class C
    1.42%
    Part of fund(s):
    • db x-trackers MSCI World Index UCITS DR 1C
  • Broadcom Inc
    1.34%
    Part of fund(s):
    • db x-trackers MSCI World Index UCITS DR 1C
  • Meta Platforms Inc.
    1.31%
    Part of fund(s):
    • db x-trackers MSCI World Index UCITS DR 1C
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.16%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Tesla Inc
    1.06%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • db x-trackers MSCI World Index UCITS DR 1C
  • Top 10 total 20.15%

Looking through the ETFs, the largest underlying positions are familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. These companies appear via the broad world ETF, so there’s indirect concentration in big tech and related giants. Overlap might be higher than shown because only top-10 ETF holdings are captured, meaning other repeats further down the list aren’t visible. This kind of hidden clustering is normal for cap‑weighted global funds. It does mean that a meaningful slice of performance is tied to how a relatively small group of huge companies behaves, especially during tech booms or corrections.

Risk contribution Info

  • db x-trackers MSCI World Index UCITS DR 1C
    Weight: 80.00%
    79.7%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    10.8%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 10.00%
    9.4%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from its weight. Here, the world ETF is 80% of the portfolio and contributes about 80% of the risk, while the emerging and small‑cap funds each contribute close to their 10% weights. That tells you there’s no hidden “time bomb” position; risk is roughly proportional and evenly scaled. This alignment is a positive sign – the structure behaves the way the weights suggest. If at some point you decided swings felt too strong, adjusting these percentages would be a straightforward way to dial risk up or down.

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 portfolio sits right on or very close to the efficient frontier. The efficient frontier is the curve showing the best possible return for each level of risk using only your current holdings. Your Sharpe ratio – a measure of return per unit of risk – is slightly below the theoretical maximum, but the gap is small. Both the optimal and minimum variance portfolios have almost the same risk as the current mix, with only minor return differences. That means your allocation is already quite efficient, and any improvement from reweighting these same three funds would be incremental, not transformative.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • Weighted costs total (per year) 0.05%

Costs are impressively low. The emerging markets ETF charges 0.18% per year and the small‑cap ETF 0.35%, but because the cheap core world ETF dominates, the blended total expense ratio lands around 0.05%. That’s extremely competitive and well below many actively managed or niche funds. Fees might look tiny, but over decades they compound just like returns – paying 0.05% instead of, say, 1% can mean keeping thousands of extra euros. From a cost perspective, this setup is doing exactly what it should: keeping friction minimal so more of the market’s return stays in your pocket.

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