Broad global allocation with strong value tilt and efficient low cost structure

Report created on Apr 22, 2026

Risk 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

This portfolio is built around a single global equity fund at 60%, complemented by a dedicated US equity ETF at 20%, plus 10% in global bonds and 10% in gold. So 80% sits in stocks and 20% in diversifying assets. Structurally, this is a straightforward “core plus diversifiers” setup, with most of the behaviour driven by broad global equities. That kind of simplicity can make it easier to understand what’s going on, because one main holding sets the tone while the others fine‑tune risk. The overall mix lines up with a balanced risk profile: meaningful growth exposure, but with explicit space for bond income and a defensive precious‑metal component.

Growth Info

From mid‑2019 to April 2026, €1,000 grew to about €2,286, a compound annual growth rate (CAGR) of 13.04%. CAGR is like average speed on a road trip: it smooths out bumps to show how fast you “really” travelled. Over this period the portfolio beat the global equity benchmark, which returned 11.66% per year, while slightly trailing the US market at 13.82%. The worst peak‑to‑trough drop was about ‑27.8% during early 2020, less severe than both benchmarks. That combination of better downside behaviour and solid long‑term growth suggests the added bonds and gold helped cushion shocks without destroying overall return in this sample period, though past conditions won’t repeat exactly.

Projection Info

The Monte Carlo projection uses the portfolio’s historical risk and return patterns to run 1,000 random “what if” paths over 15 years. It’s like simulating many alternate histories based on the same weather patterns. The median outcome turns €1,000 into roughly €2,486, with a central band (middle 50% of scenarios) between about €1,802 and €3,633. The wider 5‑95% range runs from around €1,093 to €6,047, and roughly 73% of simulations end positive. These figures show both the upside potential and the uncertainty built into markets. They’re not forecasts or promises: they just map what could plausibly happen if future volatility is broadly similar to the past.

Asset classes Info

  • Stocks
    80%
  • Other
    10%
  • Bonds
    10%

Across asset classes, the portfolio is 80% in equities, 10% in bonds, and 10% in gold and other non‑traditional assets. Equity is the main growth engine, while bonds typically provide income and can dampen swings when risk assets fall. Gold often behaves differently from both stocks and bonds, sometimes helping during market stress or inflation shocks. Compared with a pure equity portfolio, this blend adds more diversification levers without fundamentally changing the growth focus. The structure matches what many people think of as “balanced”: still strongly tied to equity markets, but with clear allocations that aim to moderate extreme ups and downs through fixed income and a defensive real asset.

Sectors Info

  • Technology
    23%
  • Financials
    12%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is broad, with technology at 23% followed by financials, industrials, consumer discretionary, telecoms, and health care. This pattern is broadly in line with many global equity benchmarks, where tech tends to be the largest slice. A tech‑heavier allocation can mean higher sensitivity to interest rates and innovation cycles, but here it sits within a diversified mix that also includes more defensive areas like consumer staples, utilities, and health care. The sector spread suggests the portfolio’s equity risk is not tied to a single part of the economy. That alignment with global norms is a strong indicator that sector‑specific shocks are less likely to dominate overall performance.

Regions Info

  • North America
    57%
  • Europe Developed
    9%
  • Japan
    4%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 57% of the portfolio’s equity exposure points to North America, with smaller allocations to developed Europe, Japan, other developed Asia, and emerging regions. This is quite close to global stock market weights, where the US is naturally dominant by market size. A US tilt has historically helped, as US stocks have led for much of the last decade, but it also means a lot of the portfolio’s fate is tied to one region’s economy and currency. The presence of Europe, Asia, and emerging markets adds useful diversification, though these parts are noticeably smaller. Overall, the geographic layout is broadly aligned with global standards.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    27%
  • Mid-cap
    13%
  • No data
    10%

This breakdown covers the equity portion of your portfolio only.

By company size, the portfolio leans toward very large businesses: around 39% in mega‑caps and 27% in large‑caps, with a smaller 13% slice in mid‑caps. That’s typical for global index‑style equity, where the biggest firms dominate by weight. Large and mega‑cap companies tend to be more established, with deeper markets and more analyst coverage, which can sometimes mean lower volatility than tiny, speculative names. The more modest mid‑cap presence leaves some room for companies that are still growing into leadership positions. This size mix points to a focus on broad market exposure rather than niche or small‑company bets, which helps keep behaviour close to global equity benchmarks.

True holdings Info

  • NVIDIA Corporation
    4.05%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Apple Inc
    3.68%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Microsoft Corporation
    2.76%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Amazon.com Inc
    1.96%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Alphabet Inc Class A
    1.71%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Broadcom Inc
    1.43%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Alphabet Inc Class C
    1.38%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Meta Platforms Inc.
    1.31%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Tesla Inc
    1.07%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.95%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 20.28%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, the largest underlying company exposures are familiar global giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and TSMC. Several of these appear across both the world and US funds, creating overlap that boosts their combined weights: NVIDIA alone sums to about 4.05%, with Apple around 3.68%. Because only top‑10 ETF holdings are captured, true overlap is probably a bit higher than shown. This kind of concentration in a handful of mega‑cap names is common in index‑based portfolios today. It means portfolio behaviour will be noticeably influenced by how these few highly valued, often tech‑related firms perform.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 10%
Size
Exposure to smaller companies
Very low
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
No data
Data availability: 0%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 70%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

On investment factors, the portfolio shows a very high value tilt (85%) and extremely low size exposure (4%), with high low‑volatility exposure at 70%. Factor exposure is like checking which “traits” the holdings share, beyond sectors or regions. A strong value tilt means the portfolio leans toward stocks trading at lower prices relative to fundamentals; historically these have sometimes lagged growth‑heavy markets but can outperform when preferences shift. Very low size exposure indicates a bias towards larger companies rather than smaller firms. High low‑volatility exposure suggests the holdings have generally been less jumpy than the broad market. Together, these tilts could support smoother returns in some environments, but they’ll behave differently from a purely market‑neutral mix.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 60.00%
    71.0%
  • iShares Core S&P 500 UCITS ETF USD (Acc)
    Weight: 20.00%
    24.1%
  • iShares Physical Gold ETC
    Weight: 10.00%
    3.5%
  • iShares Global Aggregate Bond UCITS Dist
    Weight: 10.00%
    1.5%

Risk contribution shows how much each position drives the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the global equity ETF at 60% weight contributes about 71% of total risk, while the S&P 500 ETF at 20% weight adds around 24%. Gold and global bonds, each 10% by weight, contribute only about 3.5% and 1.5% of risk respectively. That means almost all volatility (over 98%) comes from the two equity funds. This is typical for a growth‑oriented mix, but it also underlines that the bonds and gold are primarily risk stabilisers rather than major performance drivers in most periods.

Redundant positions Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    iShares Core S&P 500 UCITS ETF USD (Acc)
    High correlation

The correlation data shows that the S&P 500 ETF and the global equity ETF move almost identically. Correlation measures how often assets rise and fall together: a high value means they behave very similarly, like two cars travelling in almost perfect sync. Because these two funds are so closely linked, holding both doesn’t add much diversification between them; instead, it mostly adjusts regional emphasis and index provider. True diversification in this portfolio mainly comes from the bond and gold holdings, which typically have much lower correlation to equities, especially during periods of stress, even though they’re smaller parts of the total allocation.

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 chart compares this portfolio’s current mix with all other possible mixes using the same holdings. The current portfolio has a Sharpe ratio of 0.63, which measures return per unit of risk after accounting for a risk‑free rate. The “optimal” combination of these four holdings shows a higher Sharpe of 1.26 at slightly lower risk, while the minimum‑variance mix has much lower risk but also very low return. The fact that the current mix sits about 5.35 percentage points below the efficient frontier suggests that simply changing the weights among these same funds could, in theory, improve the risk/return balance without adding anything new.

Ongoing product costs Info

  • iShares Global Aggregate Bond UCITS Dist 0.10%
  • iShares Core S&P 500 UCITS ETF USD (Acc) 0.12%
  • iShares Physical Gold ETC 0.25%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Weighted costs total (per year) 0.17%

The portfolio’s ongoing costs are low, with individual total expense ratios (TERs) between 0.10% and 0.25% and a weighted average around 0.17%. TER is the annual fee charged by the funds, taken directly from their assets, similar to a small service charge baked into the price. These levels are very competitive for broad market exposure and well below many active options. Keeping costs down is powerful over long periods, because every fraction of a percent saved stays invested and can compound. Here, the cost structure is a clear strength: it supports better long‑term outcomes without requiring any extra effort or complexity.

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