This portfolio has only about 1.3 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Globally diversified value tilted mix with cautious profile and efficient low cost implementation

Report created on Mar 26, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio mixes about 56% stocks with 20% bonds plus roughly 24% in cash‑like or uncategorised exposures. That puts it clearly in the cautious-to-balanced range rather than aggressively equity-heavy. Equities are spread across multiple global funds, including dedicated value and small-cap value strategies, while bonds are split between conventional government debt, inflation-linked bonds, and an overnight-rate ETF that behaves like very short-term cash. This structure matters because the balance between growth-oriented assets and stabilisers largely drives the ride you experience over time. Overall, the mix fits a risk score of 3/7 well and offers a sensible blend of growth potential and downside dampening for steady long-term compounding.

Growth Info

Over the short history from December 2024 to March 2026, €1,000 grew to about €1,178, a compound annual growth rate (CAGR) of 13.27%. CAGR is the “average yearly speed” of growth over the whole period. That strongly outpaced both the US market (0.24% CAGR) and global market (4.78% CAGR) references. The maximum drop from a peak, or max drawdown, was -11.68%, noticeably milder than both benchmarks, which fell over -21%. This is an encouraging sign that the cautious design has worked well so far. Still, it’s a short window in a particular market environment, so it shouldn’t be assumed that this outperformance and limited drawdown will automatically repeat in future cycles.

Projection Info

The Monte Carlo projection uses your historical return pattern to simulate 1,000 possible 10‑year paths for a €1,000 investment. Think of it as replaying history with the ups and downs shuffled in many different ways to see a range of outcomes. The median scenario (50th percentile) ends around +327%, while even the 5th percentile is still positive at about +83%. The average simulated annual return is roughly 11.1%. That looks very attractive, but there’s an important catch: the simulation is based on less than two years of data, so it mostly reflects one market regime. Future markets can behave very differently, so these numbers are better seen as rough illustrations than precise forecasts.

Asset classes Info

  • Stocks
    56%
  • Bonds
    20%
  • No data
    14%
  • Other
    10%

By asset class, about 56% in stocks provides the main engine for long-term growth, while 20% in bonds plus roughly 10% in an overnight rate ETF offers a stabilising anchor. The remaining “unknown” slice is likely due to data limits, not actual mystery assets, but it still underlines that the majority is in traditional, liquid instruments. This blend is more conservative than a typical 80–100% equity growth portfolio and helps explain the relatively modest drawdowns. For a cautious risk score, this asset class mix is well-balanced and aligns closely with global standards for diversified, long-horizon investors who still want smoother volatility than a pure equity allocation.

Sectors Info

  • No data
    14%
  • Technology
    13%
  • Financials
    11%
  • Industrials
    7%
  • Consumer Discretionary
    5%
  • Health Care
    4%
  • Telecommunications
    4%
  • Basic Materials
    3%
  • Consumer Staples
    3%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is nicely spread, with no single area dominating. Technology and financial services are the largest identifiable slices, but still only in the low‑teens percentage range, followed by meaningful allocations to industrials, consumer cyclicals, healthcare, communication services, and basic materials. Smaller slivers in energy, utilities, and real estate add further breadth. Around 14% is “unknown” due to data constraints, yet among what is visible the composition looks similar to broad global equity benchmarks. This sector balance is beneficial because it reduces reliance on any one economic theme; for example, if interest rates rise and hurt growth sectors, more defensive or cyclical areas can partially offset the impact.

Regions Info

  • Europe Developed
    15%
  • No data
    14%
  • North America
    10%
  • Asia Developed
    10%
  • Asia Emerging
    8%
  • Japan
    7%
  • Africa/Middle East
    2%
  • Latin America
    2%
  • Australasia
    1%

Geographically, exposure is spread across Europe developed, North America, Japan, Asia developed and emerging, Africa/Middle East, Latin America, and Australasia. The presence of a “world ex USA” ETF naturally keeps US exposure relatively modest compared with many investors who are heavily US‑tilted. This creates a more genuinely global profile than typical home- or US-biased portfolios and can help smooth returns when regional cycles diverge. On the flipside, if the US strongly outperforms other regions for long stretches, a globally balanced approach may lag. Overall, the geographic spread is broad and aligns well with the idea of not betting too heavily on any single country or economic bloc.

Market capitalization Info

  • Mega-cap
    26%
  • No data
    24%
  • Large-cap
    21%
  • Mid-cap
    8%
  • Small-cap
    1%

The market cap breakdown shows strong emphasis on larger companies: mega caps are about 26% and big caps around 21%, with medium caps at 8% and small caps at 1%. A sizeable “unknown” portion is again due to data limits. Large and mega caps tend to be more stable, established businesses, which usually means lower volatility and better liquidity, fitting a cautious risk profile. The dedicated global small-cap value ETF adds a deliberate tilt to smaller, cheaper stocks without dominating the portfolio. This gives a nice mix of stability from giants and potential extra return from smaller names, while still keeping overall risk in check compared with a heavily small-cap-focused strategy.

True holdings Info

  • Advanced Petrochemical Company
    2.41%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Micron Technology Inc
    1.07%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Samsung Electronics Co Ltd
    1.07%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Tencent Holdings Ltd
    0.71%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • SK Hynix Inc
    0.62%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Cisco Systems Inc
    0.58%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Toyota Motor Corp
    0.50%
    Part of fund(s):
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    • iShares Core MSCI Emerging Markets IMI UCITS
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Intel Corporation
    0.46%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Alibaba Group Holding Ltd
    0.46%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • ASML Holding N.V.
    0.39%
    Part of fund(s):
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
  • Top 10 total 8.27%

Looking through the top ETF holdings, no single company dominates your total exposure: the largest look-through position, Advanced Petrochemical, is only about 2.4% of the portfolio, with most others under 1.1%. You do see some clustering in areas like semiconductors and large Asian tech names, but spread across multiple funds rather than concentrated in one stock position. Hidden overlap is possible because only ETF top-10 lists are used, yet even on this partial view there’s no sign of problematic single-name concentration. This supports the diversification score of 5/5 and suggests that risk is mainly driven by broad market and factor tilts rather than individual company bets.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 32%
Size
Exposure to smaller companies
Low
Data availability: 49%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 18%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 31%

Factor exposure is where this portfolio really stands out. It’s strongly tilted toward value, yield, and low volatility, with decent momentum and some size tilt. Factor investing means leaning into characteristics like “cheap vs. expensive” (value) or “steady vs. jumpy” (low volatility) that academic research has tied to long-term returns. High value and yield exposure suggests a focus on reasonably priced, income-oriented companies, while low volatility points toward steadier names that may fall less in downturns. This mix typically does well in environments where sentiment rotates away from expensive growth stories. Average signal coverage is around 38%, so readings aren’t perfect, but the value‑income‑defensive theme is clear and very consistent with a cautious approach.

Risk contribution Info

  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 21.00%
    32.0%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 17.50%
    24.4%
  • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    Weight: 17.50%
    23.0%
  • Avantis Global Small Cap Value UCITS ETF USD Acc
    Weight: 14.00%
    19.7%
  • iShares Inflation Linked Government Bond UCITS
    Weight: 10.00%
    1.0%
  • Top 5 risk contribution 100.1%

Risk contribution looks at how much each holding drives total ups and downs, which can differ from simple weights. Your top three equity funds together are about 56% of the weight but roughly 79% of total portfolio risk. In particular, the emerging markets ETF at 21% weight contributes nearly 32% of risk, a risk-to-weight ratio of 1.52. Meanwhile, inflation-linked bonds at 10% weight contribute only about 1% of risk. This is normal: growth‑oriented equity funds will inevitably dominate volatility. The key question is whether you’re comfortable with that emerging-markets-driven risk share. If not, small shifts between the equity building blocks or toward bonds can bring risk contributions more in line with how you want your portfolio to behave.

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 sits below the efficient frontier. The efficient frontier represents the best possible expected return for each risk level using only the existing holdings but in different weightings. Your current mix has a Sharpe ratio of 1.11, while the optimal portfolio reaches 1.68 with much lower risk, and a same‑risk optimized version could target higher expected return at similar volatility. Sharpe ratio is simply return per unit of risk. Being below the frontier doesn’t mean the portfolio is bad; it just means the same ingredients could potentially be combined more efficiently. Thoughtful reweighting, rather than adding new products, might improve the tradeoff between stability and growth.

Ongoing product costs Info

  • iShares Inflation Linked Government Bond UCITS 0.09%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C 0.10%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • Weighted costs total (per year) 0.11%

The total TER of roughly 0.11% is impressively low for such a globally diversified, factor-tilted mix. TER (Total Expense Ratio) is like the annual “membership fee” for using each fund; lower fees mean more of the portfolio’s return stays in your pocket. Many actively managed multi-asset solutions with similar risk levels charge several times this amount. Keeping costs lean is one of the few things investors can directly control, and it compounds over decades just like returns do. This cost structure is a real strength and supports better long-term performance, especially when combined with broad diversification and a clear strategy that doesn’t require frequent, turnover-heavy trading.

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