Three global equity ETFs with strong US tilt and very low costs create an efficient growth focused mix
Report created on Jun 27, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
F5 Amundi Prime Global UCITS ETF Acc EUR
F50A - IE0009DRDY20 50.00% -
SX iShares Core S&P 500 UCITS ETF USD (Acc)
SXR8 - IE00B5BMR087 30.00% -
PR Amundi Prime Emerging Markets UCITS ETF DR (C)
PRAM - LU2300295123 20.00%
This portfolio is a simple three‑ETF setup, fully invested in global equities. Around half sits in a broad global equity ETF, with a further chunk focused on US large companies and the rest in emerging markets. This creates a clear, transparent structure that’s easy to understand and track. A concentrated line‑up like this avoids complexity and overlap from holding many similar funds. From an educational angle, this is a textbook “core indexing” approach: broad baskets rather than individual stock picking. The main implication is that most of the portfolio’s behaviour will follow global stock markets quite closely, with some extra sensitivity to US and emerging‑markets moves.
Growth
Over the observed period, €1,000 grew to about €1,731, which translates into a compound annual growth rate (CAGR) of 12.12%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. The portfolio slightly beat the global equity benchmark but lagged the US market, which has been especially strong. The worst peak‑to‑trough fall was about -21.6%, broadly in line with global markets. It’s notable that 90% of returns came from just 22 days; missing those days would have changed outcomes a lot. This highlights how equity portfolios often rely on a handful of powerful rebound days after volatility.
Projection
The Monte Carlo projection uses thousands of random paths based on historical patterns to show a range of possible futures, not a single forecast. Here, the median outcome turns €1,000 into about €2,783 over 15 years, with a wide range from roughly €966 to €8,040 in most simulations. Think of it as weather modelling: same climate, many possible daily patterns. The average simulated annual return of about 8.31% reflects both strong years and weak ones. Importantly, 74.6% of simulations end positive, but a meaningful chunk do not — a reminder that stock‑only portfolios can experience extended rough patches even when the long‑run odds look favourable.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no bonds or alternative assets. That makes the asset‑class mix straightforward but also removes the stabilising effect that less volatile assets can sometimes provide. Asset allocation across classes is often the main driver of risk and return; a 100% equity setup tends to swing more with market cycles but also fully participates in equity growth. Compared with blended portfolios, this one leans clearly toward growth over stability. The positive side is clear participation in global corporate earnings trends. The trade‑off is that the portfolio’s value is more exposed to equity market downturns without a built‑in buffer from other asset types.
Sectors
- Technology 35%
- Financials 15%
- Consumer Discretionary 9%
- Industrials 9%
- Telecommunications 9%
- Health Care 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is meaningfully tilted toward technology at 35%, with financials next at 15%, and the rest spread across consumers, industrials, telecoms, health care and smaller allocations to energy, materials, utilities and real estate. Relative to many broad global indices, that technology share is on the high side, reflecting how large tech companies dominate modern stock markets. Sector tilts matter because different parts of the economy react differently to interest rates, regulation and growth expectations. Tech‑heavy portfolios often benefit from innovation cycles and growth optimism, but they can also be more sensitive when markets worry about valuations or higher discount rates.
Regions
- North America 67%
- Asia Developed 10%
- Europe Developed 8%
- Asia Emerging 7%
- Japan 3%
- Africa/Middle East 2%
- Latin America 1%
- Australasia 1%
Geographically, about two‑thirds of the portfolio sits in North America, with the rest spread across developed Asia, Europe, emerging Asian markets, Japan and smaller slices in Africa, Latin America and Australasia. This looks broadly similar to the global market, which is also heavily North America‑weighted, so the alignment with common benchmarks is strong. That’s positive because it means the portfolio captures a wide set of economies rather than focusing narrowly on one region. At the same time, the dominance of one large region implies that economic and policy developments there will have an outsized influence on performance, even though there is still meaningful exposure elsewhere.
Market capitalization
- Mega-cap 50%
- Large-cap 34%
- Mid-cap 15%
Market‑cap exposure is tilted firmly toward the largest global companies: around 50% in mega‑caps, 34% in large‑caps and 15% in mid‑caps. This mirrors many standard indices, where the biggest firms occupy most of the weight. Larger companies often have more diversified business lines, access to capital, and established market positions, which can make their earnings somewhat steadier than smaller peers. However, size also means their growth rates may be less explosive. The relatively modest mid‑cap allocation adds a bit of extra growth and diversification without shifting the portfolio away from its core large‑company character, which helps keep behaviour close to broad global benchmarks.
True holdings
-
NV NVIDIA Corporation 5.11%
Part of fund(s):- Amundi Prime Global UCITS ETF Acc EUR
- iShares Core S&P 500 UCITS ETF USD (Acc)
-
AA Apple Inc. 4.41%
Part of fund(s):- Amundi Prime Global UCITS ETF Acc EUR
- iShares Core S&P 500 UCITS ETF USD (Acc)
-
MS Microsoft Corporation 3.30%
Part of fund(s):- Amundi Prime Global UCITS ETF Acc EUR
- iShares Core S&P 500 UCITS ETF USD (Acc)
-
AM Amazon.com Inc 2.71%
Part of fund(s):- Amundi Prime Global UCITS ETF Acc EUR
- iShares Core S&P 500 UCITS ETF USD (Acc)
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 2.66%
Part of fund(s):- Amundi Prime Emerging Markets UCITS ETF DR (C)
-
GO Alphabet Inc Class A 2.34%
Part of fund(s):- Amundi Prime Global UCITS ETF Acc EUR
- iShares Core S&P 500 UCITS ETF USD (Acc)
-
AV Broadcom Inc 2.12%
Part of fund(s):- Amundi Prime Global UCITS ETF Acc EUR
- iShares Core S&P 500 UCITS ETF USD (Acc)
-
GO Alphabet Inc Class C 1.94%
Part of fund(s):- Amundi Prime Global UCITS ETF Acc EUR
- iShares Core S&P 500 UCITS ETF USD (Acc)
-
00 Samsung Electronics Co Ltd 1.45%
Part of fund(s):- Amundi Prime Emerging Markets UCITS ETF DR (C)
-
ME Meta Platforms Inc. 1.42%
Part of fund(s):- Amundi Prime Global UCITS ETF Acc EUR
- iShares Core S&P 500 UCITS ETF USD (Acc)
- Top 10 total 27.45%
Looking through the ETFs, the top underlying exposures include several large global technology and consumer companies, with a handful of names each making up around 1–5% of the portfolio. Some appear in multiple ETFs, which creates hidden concentration: for instance, a company held by both the global and US funds will have a larger combined weight than it seems from any single ETF. The coverage here only uses each fund’s top ten positions, so actual overlap is likely higher. This kind of concentration is common in market‑cap index strategies and explains why a relatively small group of global giants can drive a noticeable share of the portfolio’s day‑to‑day moves.
Risk contribution
-
Amundi Prime Global UCITS ETF Acc EUR
Weight: 50.00% 50.7% -
iShares Core S&P 500 UCITS ETF USD (Acc)
Weight: 30.00% 30.9% -
Amundi Prime Emerging Markets UCITS ETF DR (C)
Weight: 20.00% 18.4%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, not just how big it is. Here, the global ETF contributes about half of total risk, the US ETF roughly a third, and the emerging‑markets ETF just under its 20% weight. The ratios near 1.0 indicate that each position’s risk impact is broadly in line with its size, with no single ETF punching far above its weight. This balanced pattern suggests that the three funds have similar volatility and are fairly correlated, so risk isn’t overly concentrated in one outlier. Position sizing and similarity of behaviour are working together to keep risk contributions proportionate.
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 efficient frontier analysis suggests this portfolio sits on or very close to the frontier, meaning that for its mix of holdings and risk level, the return‑versus‑volatility trade‑off is already highly efficient. The Sharpe ratio — a measure of return per unit of risk above a cash rate — is 0.61 for the current allocation, compared with 0.84 at the optimal point and 0.8 for the minimum‑variance mix. In plain terms, reshuffling the three ETFs slightly could, in theory, improve risk‑adjusted returns, but the current setup is already doing a solid job. It’s a useful confirmation that the simple allocation is working effectively with the ingredients chosen.
Ongoing product costs
- Amundi Prime Emerging Markets UCITS ETF DR (C) 0.10%
- iShares Core S&P 500 UCITS ETF USD (Acc) 0.07%
- Amundi Prime Global UCITS ETF Acc EUR 0.05%
- Weighted costs total (per year) 0.07%
The total ongoing fee level (TER) across the three ETFs averages around 0.07% per year, which is impressively low. Costs work like friction on an engine: small on a single trip but important over many years. Keeping them this low helps more of the underlying market return reach the portfolio instead of being eaten by fees. Compared with typical active funds or even many index products, this cost structure aligns very well with best practices for long‑term investing. It forms a strong base for compounding, especially in an all‑equity portfolio where returns can already vary widely due to markets without adding avoidable drag from high charges.
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