Efficiently assembled global value machine with a secret crush on ex US and India
Report created on Mar 24, 2026Risk 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
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EX Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
EXUS - IE0006WW1TQ4 42.00% -
IS iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
IS3S - IE00BD45HH35 28.00% -
IS iShares Core MSCI Emerging Markets IMI UCITS
IS3N - IE00BKM4GZ66 20.00% -
QD iShares MSCI India UCITS ETF USD Acc
QDV5 - IE00BZCQB185 10.00%
The basic structure is four ETFs doing all the work, which is tidy but a bit single-malt minimalist. Almost half the money sits in a “world ex US” fund, then a big slab of global value, then a big emerging-markets core, and finally a chunky side bet on India. It looks like someone said “I’ll take the world, but hold the US, extra value, and throw in spicy EM.” There’s no bonds, no cash, no diversifiers — just 99% equities pretending to be “cautious.” The main takeaway: structurally clean and easy to manage, but the risk profile is way more “grown-up rollercoaster” than the “Profile_Cautious” label suggests.
Growth
Over the short window you’ve got, this thing has behaved like a competent overachiever with a slightly dramatic streak. CAGR of 12.25% beats the global market, but lags the US market, which has been on an absolute tear. Max drawdown of -16.05% is noticeably worse than the US but gentler than global, so you’re kind of in the middle pain-wise. The fun part: 90% of returns came from 11 days, which is a polite way of saying “blink and you miss it.” Past data is like yesterday’s weather though — useful, but it doesn’t sign contracts about the future.
Projection
The Monte Carlo simulation is basically a thousand “what if” futures rolled by a statistics-obsessed dice. Using your historical return and volatility, it plays out 10-year scenarios and checks where you land. Median outcome more than triples the money, and even the pessimistic 5th percentile still ends positive at +31% over 10 years. That’s decent, but not a guarantee — this is just “if the future smells vaguely like the recent past.” Simulations depend entirely on the inputs: change the volatility or return assumptions and the story changes fast. Takeaway: odds look in your favor, but this is probability, not prophecy. You still need a stomach for nasty interim swings.
Asset classes
- Stocks 99%
Asset class breakdown is basically: Stocks. And then more stocks. With 99% in equities, this is not cautious; it’s “I’ve heard of bonds but I’m not interested in meeting them.” That’s fine for a long horizon and strong nerves, but hilarious next to a 3/7 risk score and “Profile_Cautious” badge. Asset allocation is the primary risk dial, and here the dial is stuck on “growth mode.” If the goal is smoother sailing, missing fixed income, cash, or other stabilizers will show up the second markets have a proper tantrum. As it stands, this is an all-in equity bet wearing a sensible hat.
Sectors
- Financials 22%
- Technology 19%
- Industrials 14%
- Consumer Discretionary 9%
- Health Care 8%
- Basic Materials 6%
- Telecommunications 6%
- Consumer Staples 6%
- Energy 5%
- Utilities 3%
- Real Estate 2%
Sector spread is actually pretty grown-up: financials, tech, and industrials lead, with a decent sprinkling across defensives, cyclicals, and utilities. But 22% in financials plus high value and yield tilt screams “dividend banking uncle energy.” Tech at 19% is significant but not full-on “tech addiction,” more like “I’ll have tech, but responsibly.” Nothing here looks disastrously lopsided, but remember sector risk can bite when a theme goes out of fashion for a decade. The roast: it’s diversified, yes, but heavily tilted toward the kind of sectors that look cheap right up until everyone remembers why they were cheap. That can pay off big — or test your patience brutally.
Regions
- Europe Developed 32%
- North America 18%
- Asia Emerging 18%
- Japan 15%
- Asia Developed 10%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 1%
Geographically, this is basically “World tour, but avoid the US on purpose.” Europe developed is the biggest block at 32%, then a chunky set of emerging Asia and Japan, with North America a modest 18%. For a global portfolio, that’s unusually underweight the US, which dominates most world indexes. So if the US keeps crushing everything, you’ll always be that person who “almost” tracked global markets. On the flip side, you’re not totally dependent on one country or region’s mood swings, which is refreshingly non-American-centric. Just accept that you’ve made a conscious-ish macro bet: if ex-US and EM finally have their decade, you’ll look smug; if not, you’ll look stubborn.
Market capitalization
- Mega-cap 47%
- Large-cap 39%
- Mid-cap 12%
- Small-cap 1%
Market cap-wise, you’re very much hanging out with the cool kids: 47% mega caps, 39% big caps, and a token 1% in small caps for seasoning. That means you’re tied to the fate of huge, mature companies — less likely to blow up overnight, but also less likely to 10x. It’s basically blue-chip core with a sprinkle of mid caps pretending to offer “diversification.” Nothing wrong with that, but don’t kid yourself that this is where you find hidden gems or massive upside lottery tickets. The upside: less idiosyncratic craziness. The downside: you’re hostage to the global mega-cap mood, especially in those overlapped tech and financial names.
True holdings
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 2.32%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
-
MU Micron Technology Inc 1.72%
Part of fund(s):- iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
-
00 Samsung Electronics Co Ltd 1.05%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
-
CS Cisco Systems Inc 0.93%
Part of fund(s):- iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
-
AS ASML Holding N.V. 0.93%
Part of fund(s):- Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
-
72 Toyota Motor Corp 0.92%
Part of fund(s):- Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
- iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
-
HD HDFC Bank Limited 0.90%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
- iShares MSCI India UCITS ETF USD Acc
-
RE Reliance Industries Limited 0.75%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
- iShares MSCI India UCITS ETF USD Acc
-
IN Intel Corporation 0.74%
Part of fund(s):- iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
-
07 Tencent Holdings Ltd 0.63%
Part of fund(s):- iShares Core MSCI Emerging Markets IMI UCITS
- Top 10 total 10.88%
The look-through data only covers about 21% of the portfolio, so this is like judging a house from one room, but we can still see some habits. Top exposures are a who’s who of global tech and Asian giants: TSMC, Samsung, ASML, Tencent, plus some India favorites like HDFC and Reliance. You’re not stock-picking, yet you’ve accidentally built a quiet love letter to semiconductors and mega Asian names across multiple ETFs. Overlap is likely higher than it looks because we only see top-10 holdings, so concentration is sneakier than the numbers suggest. Moral: ETFs don’t magically remove single-name risk; they just hide it in the fine print.
Factors
Factor exposure is where it gets spicy. You’re loaded on value and yield, with a strong momentum tilt on top — like ordering a burger, fries, and a salad “for health.” Factor exposure is just which hidden styles you’re secretly betting on: cheap stuff (value), high payouts (yield), recent winners (momentum), etc. You’re clearly not playing the quality or low-vol game; this is more “I like things that are cheap, pay me, and are currently working.” Coverage is patchy (signals only cover part of the portfolio), so don’t over-read the precision. But the personality is clear: contrarian income chaser with a trend-following streak, not a safety-first monk.
Risk contribution
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Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
Weight: 42.00% 41.2% -
iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
Weight: 28.00% 28.8% -
iShares Core MSCI Emerging Markets IMI UCITS
Weight: 20.00% 21.6% -
iShares MSCI India UCITS ETF USD Acc
Weight: 10.00% 8.4%
Risk contribution shows who’s actually rocking the boat, regardless of weight — the volatility hogs. Here, the top three positions are doing over 91% of the total risk heavy lifting, basically a three-legged table pretending to be diversified. At least their risk-to-weight ratios are close to 1, so nothing is secretly crazier than it looks, and India is actually contributing slightly less risk than its weight. Still, one big ETF blow-up or structural issue and your whole experience changes. General rule: if a few holdings dominate risk, trimming or rebalancing them even slightly can make the ride less “theme park” and more “commuter train,” without changing the lineup.
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, you’re doing something rare: sitting on the efficient frontier. The efficient frontier is just the curve of “best possible bang for your risk buck” given your existing ingredients. Your Sharpe ratio of 0.79 isn’t bad, but the optimal mix of the same holdings hits about 1.14, with higher expected return (16.76%) for only slightly more risk. There’s even a same-risk optimized version that keeps similar volatility but boosts expected return a lot. Translation: your stock selection is fine, your weightings are just leaving money on the table. With the same ETFs, a smarter blend could give you a noticeably better ride without adding new toys.
Ongoing product costs
- iShares Core MSCI Emerging Markets IMI UCITS 0.18%
- iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
- iShares MSCI India UCITS ETF USD Acc 0.65%
- Weighted costs total (per year) 0.18%
Costs are where this portfolio gets to feel smug. A total TER of 0.18% for a global, factor-flavored, EM-tilted setup is frankly impressive. The India ETF is pricey at 0.65%, but the overall blend drags the bill right back down. You’re basically getting a reasonably fancy menu at fast-food pricing. Low costs don’t guarantee success, but high costs almost guarantee pain over decades, so you’ve at least dodged that slow bleed. Still, cheap isn’t automatically smart; you can hold a terrible idea very cheaply. Here, the idea is actually coherent — value, global, EM-heavy — and the price tag isn’t sabotaging it, which is about as close to a win as fees get.
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