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Global equity portfolio with strong US focus and growth tilt using three broad low cost index ETFs

Report created on Apr 28, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is made up of three equity index ETFs, all tracking broad markets. Half the allocation sits in a global all‑world fund, with the other half split evenly between a US large‑cap index and a Nasdaq‑100 tracker. Everything is invested in stocks, with no bonds or cash in the mix. Structurally, this combines a diversified global core with a clear tilt toward US and growth companies through the S&P 500 and especially the Nasdaq ETF. That blend keeps the structure relatively simple while adding a deliberate growth flavour, meaning results are likely to be driven mainly by global stock markets and, within that, by large US companies.

Growth Info

Over the period shown, €1,000 grew to about €2,552, which is a compound annual growth rate (CAGR) of 15.02%. CAGR is like average speed on a road trip: it smooths out ups and downs into one yearly number. This growth beat both the US market and the global market benchmarks by a noticeable margin. The worst fall, or max drawdown, was around -32% during early 2020, similar to broad markets, and it recovered in about five months. That pattern suggests strong upside participation with drawdowns broadly in line with equity indices. Past performance reflects a tech‑friendly period, though, and can’t guarantee the same edge in different future market conditions.

Projection Info

The Monte Carlo projection uses many randomised “what if” paths based on past volatility to estimate future ranges. Think of it as running the next 15 years 1,000 times using the historical behaviour of similar assets. The median outcome turns €1,000 into about €2,849, with a wide middle band between roughly €1,874 and €4,507. There are also more extreme but less likely paths on both the downside and upside. The overall average simulated annual return of 8.53% is lower than the historical CAGR, reflecting more cautious assumptions. These numbers aren’t predictions, just a way to visualise uncertainty and how much actual results can swing around a central expectation.

Asset classes Info

  • Stocks
    100%

All of this portfolio sits in equities, so the asset class split is 100% stocks and 0% bonds or alternatives. Asset classes are broad buckets like stocks, bonds, and cash that tend to behave differently across market cycles. Many global benchmarks mix in bonds to dampen volatility; by staying fully in equities, this portfolio leans clearly toward growth and market participation over stability. That means day‑to‑day and year‑to‑year swings are likely to be more noticeable than in a blended stock‑and‑bond mix. The benefit is full exposure to the potential equity risk premium, but without the ballast that fixed income can sometimes provide in sharp downturns.

Sectors Info

  • Technology
    35%
  • Financials
    11%
  • Telecommunications
    11%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector‑wise, technology stands out at 35%, well above its weight in older “traditional” broad benchmarks and mostly driven by the Nasdaq‑100 allocation. Financials and telecommunications both sit at 11%, with consumer discretionary, industrials, and health care filling out much of the rest. Smaller slices go to consumer staples, energy, materials, utilities, and real estate. Sector allocation matters because different areas of the economy react differently to interest rates, growth scares, and policy changes. A strong tech and communication tilt can benefit from innovation and digital trends but often comes with higher sensitivity to rate moves and sentiment shifts, making results more tied to how these growth‑oriented areas perform.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 81% of the portfolio is in North America, clearly above global market weights, with the rest spread thinly across developed Europe, Japan, other developed Asia, and several emerging regions. Geography influences exposure to different economies, currencies, and policy regimes. Compared with a truly global benchmark, this allocation is strongly US‑centred, mainly due to the S&P 500 and Nasdaq ETFs plus the US bias in the all‑world fund. That has been a tailwind over the last decade as US markets outperformed many others. The flip side is that portfolio outcomes are heavily linked to US economic and market conditions, with only modest diversification benefits coming from other regions.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    35%
  • Mid-cap
    15%

By market capitalisation, almost half the portfolio sits in mega‑caps, a further 35% in large‑caps, and 15% in mid‑caps. Market cap is simply the total value of a company’s shares and is often used to group firms into size buckets. This breakdown shows a clear tilt toward the largest, most established companies, which is typical of cap‑weighted indices, especially US‑focused ones. That kind of size profile generally means more stability in business models and liquidity, but it also means less exposure to smaller, potentially higher‑growth but more volatile firms. Portfolio behaviour will therefore be dominated by the world’s biggest companies, particularly those in the US.

True holdings Info

  • NVIDIA Corporation
    6.17%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS ETF USD Accumulation
  • Apple Inc
    5.53%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS ETF USD Accumulation
  • Microsoft Corporation
    4.12%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS ETF USD Accumulation
  • Amazon.com Inc
    3.08%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    2.53%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS ETF USD Accumulation
  • Broadcom Inc
    2.16%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    2.14%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    2.14%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS ETF USD Accumulation
  • Tesla Inc
    1.99%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS ETF USD Accumulation
  • Walmart Inc.
    0.85%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
  • Top 10 total 30.71%

Looking through ETF top holdings, a handful of big US tech and consumer names show up repeatedly: NVIDIA, Apple, Microsoft, Amazon, both Alphabet share classes, Meta, Tesla, and Broadcom together make up a meaningful slice of exposure. Each appears through multiple ETFs, which creates hidden concentration despite apparently broad diversification. Because only top‑10 ETF holdings are captured, actual overlap is probably higher than shown. This kind of concentration means that news or earnings surprises around a small cluster of mega‑cap firms can noticeably sway overall portfolio returns. Broad market labels can therefore mask how much the outcome is anchored to a relatively short list of very large companies.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 50.00%
    46.2%
  • Invesco EQQQ NASDAQ-100 UCITS ETF
    Weight: 25.00%
    29.0%
  • Vanguard S&P 500 UCITS ETF USD Accumulation
    Weight: 25.00%
    24.9%

Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its weight. Here, the all‑world ETF is 50% of the portfolio and contributes about 46% of total risk, very close to proportional. The S&P 500 ETF is also roughly aligned, with a 25% weight and about 25% risk contribution. The Nasdaq‑100 fund stands out slightly: at 25% weight it drives roughly 29% of risk, meaning each euro there adds more volatility than in the other funds. That’s consistent with the growth and tech emphasis of the Nasdaq‑100, which tends to swing more sharply in both rising and falling markets compared with broad global indices.

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.

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The efficient frontier chart compares risk (volatility) and expected return using only the current holdings. The Sharpe ratio, which measures return per unit of risk after adjusting for a risk‑free rate, is 0.66 for the current mix. The analysis shows that this allocation lies on or very near the efficient frontier, meaning it uses these three funds in a risk‑return‑efficient way. There is a theoretical mix with higher Sharpe (0.9) and another with slightly lower risk, but those require different weightings and come with trade‑offs in expected return and volatility. In practical terms, this suggests that, given these ingredients, the overall balance between risk and expected return is already well‑tuned.

Ongoing product costs Info

  • Invesco EQQQ NASDAQ-100 UCITS ETF 0.35%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Vanguard S&P 500 UCITS ETF USD Accumulation 0.07%
  • Weighted costs total (per year) 0.20%

The total ongoing fund cost, or TER, averages about 0.20% per year across the three ETFs. TER (Total Expense Ratio) is the annual fee charged by funds to cover management and operating costs; it’s taken inside the fund, so performance numbers are already net of these fees. In the context of equity investing, a blended cost around this level is impressively low and compares favourably with many actively managed funds. Over long periods, even small fee differences can compound into noticeable gaps in outcomes, so keeping costs contained supports better net returns. This cost profile aligns well with a straightforward, index‑based equity strategy.

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