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Global equity mix with strong US tilt and added value factor focus

Report created on May 7, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is a four‑ETF global equity mix with no bonds or cash, so it is fully invested in stocks. Over half sits in a broad world equity fund, about a quarter in a US large‑cap fund, and the remaining fifth in two value‑factor ETFs covering global and emerging markets. This structure keeps things relatively simple while still layering on some tilts beyond a plain index. Because all exposure is through diversified funds rather than single stocks, day‑to‑day moves are driven more by broad markets than by individual company events. The overall layout fits a balanced‑risk profile within equities, but without the stabilising effect that bonds or cash can provide during sharp downturns.

Growth Info

From November 2023 to April 2026, €1,000 grew to about €1,642, implying a compound annual growth rate (CAGR) of 21.9%. CAGR is like your average speed on a long trip, smoothing out the bumps along the way. Over this period the portfolio outpaced both a US market and a global market benchmark by just over 2 percentage points per year. The max drawdown, meaning the largest peak‑to‑trough fall, was about ‑21%, similar to the global benchmark and slightly gentler than the US market. Most of the gains came from just 21 trading days, underlining how missing a few strong days can heavily change outcomes. As always, such strong recent returns cannot be assumed to repeat.

Projection Info

The Monte Carlo projection uses the portfolio’s past behaviour to simulate many possible 15‑year futures. Think of it as running 1,000 “what if” scenarios based on historical ups and downs, not as a prediction. The median path grows €1,000 to about €2,685, with a wide “likely” range from roughly €1,756 to €4,176 and an even wider possible span from about €906 to €7,804. The overall average simulated return is roughly 8% per year, with about 72% of simulations ending positive. This illustrates that long‑term outcomes can vary a lot, even with the same starting portfolio. It’s a reminder that projections are illustrations of risk and uncertainty, not promises.

Asset classes Info

  • Stocks
    100%

All of the holdings are equities, so the portfolio’s asset‑class exposure is 100% stocks and 0% bonds or alternatives. Asset classes are broad buckets like shares, bonds, or real estate, each reacting differently to economic news. Many global benchmarks mix stocks and bonds, whereas this portfolio leans entirely into growth assets. That can be powerful in strong markets but usually means larger swings during market stress, because there is no built‑in “shock absorber” from safer assets. Within equities, the funds are widely diversified across regions and styles, which supports the diversification score being in the moderate range even without other asset classes. The key implication is that overall risk comes mostly from equity market conditions rather than interest rates or credit.

Sectors Info

  • Technology
    32%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Health Care
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is tilted toward technology at 32%, with financials, industrials, and consumer areas forming the next layers. Sectors group companies by what they do, and different sectors react differently to interest rates, inflation, and growth expectations. A tech‑heavy allocation often benefits when innovation‑driven and growth‑oriented firms lead the market, but can feel sharper pullbacks when rates rise or sentiment turns. The presence of financials, industrials, health care, energy and others helps spread risk across economic themes, rather than betting everything on one area. Overall, this distribution looks broadly comparable to many global indices, but with an extra lean into tech. That balance supports growth potential while keeping sector diversification meaningfully intact.

Regions Info

  • North America
    66%
  • Europe Developed
    11%
  • Asia Developed
    8%
  • Asia Emerging
    6%
  • Japan
    5%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, about two‑thirds of the portfolio is in North America, with smaller slices in developed Europe, Asia, Japan, and emerging regions. Geography matters because local economies, regulations, and currencies can move differently over time. US and North American stocks dominate many global indices, so this tilt is broadly aligned with common benchmarks rather than being an unusual concentration. The remaining third provides exposure to other developed and emerging markets, which can sometimes move out of sync with the US and offer diversification benefits. That said, if North America has a prolonged weak spell, it will still heavily influence the portfolio’s path. The geographic mix is coherent with global market weights and supports a moderately diversified risk profile.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    36%
  • Mid-cap
    15%

By market capitalisation, the portfolio leans strongly toward mega‑caps and large‑caps, with a smaller but still meaningful 15% in mid‑caps. Market cap is simply the total value of a company’s shares, and larger firms often have more stable earnings and better access to capital. Heavy exposure to mega‑caps tends to lower company‑specific risk, since these names are usually more established and widely followed. At the same time, it can slightly reduce the impact of smaller, fast‑growing companies that sit in the small‑cap universe, which is largely absent here. The mid‑cap exposure adds a bit of extra growth potential and diversification without significantly raising overall volatility. Overall, the size mix is close to a typical global stock benchmark.

True holdings Info

  • NVIDIA Corporation
    4.48%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    3.94%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.82%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    2.12%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.86%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Alphabet Inc Class A
    1.76%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.50%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.46%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.32%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    1.11%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 22.38%

Looking through ETF top‑10 holdings, a handful of big names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet appear across multiple funds. This overlap is normal in global equity portfolios but creates hidden concentration, since the same companies are reached via more than one ETF. For example, NVIDIA alone accounts for about 4.5% of the total portfolio among the top positions, and the top ten look‑through holdings together form a meaningful slice of equity exposure. It’s important to remember this view only covers about 27% of the portfolio, so actual overlap is probably higher. The insight is that while the structure uses four funds, a lot of day‑to‑day behaviour is still driven by a relatively small group of global mega‑cap leaders.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 55.00%
    54.9%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 25.00%
    26.5%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.7%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    8.9%

Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the global ACWI fund is 55% of assets and contributes almost exactly the same share of risk, while the S&P 500 ETF contributes slightly more risk (about 26.5%) than its 25% weight. The two value‑factor funds together are 20% of the portfolio but add around 18.6% of total risk. The top three holdings account for over 91% of overall volatility, meaning most movement comes from the large core positions. This alignment between weight and risk suggests no single satellite position is excessively amplifying volatility beyond what its size would suggest.

Redundant positions Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    High correlation

The correlation data show that the S&P 500 ETF and the global ACWI ETF move almost identically. Correlation measures how often and how closely assets move together, on a scale from ‑1 to +1. A high correlation, close to +1, means they tend to go up and down at the same time, which limits diversification between them. In practice, this means that even though there are two separate core funds, they behave very similarly during market swings, especially since US stocks are a big chunk of the global index. Diversification benefits are instead more likely to come from the value‑factor and emerging markets components, which can deviate more from standard large‑cap growth behaviour.

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.

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The risk‑return chart compares the current portfolio with an efficient frontier built from the same four ETFs. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is 1.24 for the current mix. The optimal mix along the frontier shows a higher Sharpe of 1.83, with slightly more risk but considerably higher expected return, while the minimum‑variance mix has lower risk and a Sharpe of 1.55. Being about 4.3 percentage points below the frontier at the same risk level suggests the current weights are not fully efficient under this model. In other words, the same building blocks could, in theory, be combined differently to improve risk‑adjusted outcomes, without adding any new funds.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.32%

The portfolio’s total ongoing cost, measured by Total Expense Ratio (TER), is about 0.32% per year. TER is like a management fee covering the running costs of the ETFs, taken directly from fund assets rather than billed separately. The underlying fund charges range from 0.30% to 0.45%, which is competitive for global and factor‑based equity strategies, especially compared with many actively managed funds. Over one year the difference between 0.3% and, say, 1% may feel small, but over decades it compounds into a meaningful gap in end wealth. These costs are impressively low for the level of global diversification and factor tilts on offer, giving more of the portfolio’s gross returns a chance to stay invested and compound.

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