Globally diversified stock portfolio with strong balance between growth potential and disciplined risk control

Report created on Apr 4, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is made of just two broad equity ETFs, split 60% in a global all‑cap fund and 40% in a world ex‑US fund. In practice, that means full stock exposure with a tilt that slightly reduces pure US dominance while still keeping strong global coverage. Having only two holdings keeps things simple and easy to manage, which many investors value. The trade‑off is that all risk is equity risk, with no bonds or cash to cushion big drops. For someone comfortable riding out market swings, this “all‑stock but globally spread” setup can be a clean and effective core approach.

Growth Info

Over the recent period, €1,000 grew to about €1,233, giving a compound annual growth rate (CAGR) of 10.73%. CAGR is like your average “speed” over the full journey, smoothing out bumps. This slightly beat both the US market and the global market benchmarks while also having a smaller maximum drawdown than either. Max drawdown, the worst peak‑to‑trough fall, was about -19.5%, which is meaningful but not extreme for equities. This mix handled a rocky spell reasonably well while still keeping up with markets, which is a good sign — just keep in mind that past returns don’t guarantee the next few years will look similar.

Projection Info

The Monte Carlo projection runs 1,000 simulated futures using past return and volatility patterns to create many possible 15‑year paths. Think of it as rolling the dice on markets over and over within historically realistic ranges. The median outcome turns €1,000 into about €2,779, with a wide but plausible band from roughly €1,021 to €7,337. The average simulated annual return is 8%, and about three‑quarters of simulations end positive. This paints a picture of solid long‑term potential but also big uncertainty. It’s a reminder that equities can be rewarding over long horizons, yet the range of outcomes — especially on the downside — is still very real.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. Asset classes are broad buckets like equities, bonds, and real assets, each reacting differently to economic cycles. A 100% equity allocation usually means higher expected growth but larger and more frequent swings, especially during recessions or market stress. There’s no built‑in “shock absorber” from defensive assets. This structure fits an investor who accepts volatility and has a long enough horizon to let downturns recover. For anyone needing short‑term stability or income, adding other asset classes would normally be how people smooth the ride — but the pure‑equity focus keeps growth front and center.

Sectors Info

  • Financials
    20%
  • Technology
    19%
  • Industrials
    15%
  • Health Care
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    6%
  • Consumer Staples
    6%
  • Basic Materials
    6%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is quite balanced: financials and technology are top but not overwhelming, with solid slices in industrials, health care, consumer areas, and smaller pieces in energy, utilities, and real estate. This spread looks broadly similar to diversified global equity benchmarks, which is a strong indicator of healthy diversification. Tech and related growth areas are meaningful but not dominant, so the portfolio should benefit from innovation without being a pure “tech bet.” In periods of rising rates or sector‑specific shocks, some parts will hurt more than others, but this mix reduces the risk that any single industry completely drives outcomes.

Regions Info

  • North America
    43%
  • Europe Developed
    31%
  • Japan
    12%
  • Asia Developed
    5%
  • Australasia
    4%
  • Asia Emerging
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is spread across North America, developed Europe, Japan, and other developed and emerging regions. North America is the largest slice but at around the low‑40s percentage rather than an ultra‑heavy concentration, while Europe and Japan provide strong diversification. This looks sensibly aligned with global market weights, which is positive — it avoids a big home‑country bias and taps into multiple economies and currencies. That kind of global mix can help if one region goes through a long weak patch. Currency swings will still affect returns in euros, but they’re not dominated by a single foreign currency exposure.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    34%
  • Mid-cap
    13%
  • Small-cap
    3%
  • Micro-cap
    1%

Most of the money sits in mega‑ and large‑cap companies, with smaller but real exposure to mid, small, and even micro‑caps. Market capitalization size matters because big companies tend to be more stable and less volatile, while smaller ones can be more explosive in both directions. This breakdown mirrors broad global stock indices quite closely, which is reassuring for diversification. You get the resilience and liquidity of giants, plus some growth optionality from smaller firms without overdoing it. In rough markets, the big caps will typically feel safer, while in strong risk‑on environments, the smaller names can quietly add extra return.

True holdings Info

  • NVIDIA Corporation
    2.35%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Apple Inc
    2.13%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Microsoft Corporation
    1.50%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Amazon.com Inc
    1.09%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Alphabet Inc Class A
    1.02%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.89%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • ASML Holding N.V.
    0.88%
    Part of fund(s):
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
  • Alphabet Inc Class C
    0.82%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Broadcom Inc
    0.78%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Meta Platforms Inc.
    0.77%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Top 10 total 12.23%

Looking through the ETFs’ top holdings, the largest exposures are familiar global giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and TSMC. These names appear via the funds, not as direct single‑stock bets, so their weights stay moderate. Because both ETFs lean on big global leaders, there is some overlap: the same company can show up in multiple funds, which quietly concentrates risk in those mega‑cap names. The coverage stats show we only see the top slice of each ETF, so real overlap is likely higher. It’s still broadly diversified, but most of the “engine” is a cluster of very large, well‑known companies.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    Weight: 60.00%
    62.8%
  • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    Weight: 40.00%
    37.2%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. Here, the global all‑cap ETF at 60% weight contributes about 62.8% of the risk, while the ex‑US ETF at 40% contributes 37.2%. That’s very close to proportional, meaning there’s no hidden “risk hog” overwhelming the rest. Both holdings share the load roughly as expected. This is a nice alignment: the way the portfolio is sized matches how the risk actually shows up. If someone ever wanted to tweak risk, small shifts in the 60/40 split would be a straightforward lever without needing to add more complexity.

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 mix sits right on or very near the efficient frontier, which is excellent. The efficient frontier shows the best return achievable for each risk level using these two holdings in different weights. The current Sharpe ratio — a measure of risk‑adjusted return comparing excess return to volatility — is 0.53, while the optimal and minimum‑variance mixes hit around 0.8 with slightly different risk and return. Because the portfolio is already essentially on the frontier, there’s no obvious “free lunch” left from reweighting. That means the chosen balance between the two ETFs is already working efficiently for its risk profile.

Ongoing product costs Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.40%
  • Weighted costs total (per year) 0.24%

The overall portfolio cost, captured by the Total Expense Ratio (TER), sits around 0.24% per year, with the main global ETF at 0.40%. TER is the annual fee the fund charges, taken directly from returns. Costs at this level are reasonably competitive for broad global exposure, especially given the simplicity and diversification on offer. Keeping fees low is powerful over decades because every 0.1% saved can compound into meaningful money. There might be slightly cheaper alternatives in some markets, but this structure is already in a solid low‑cost range that supports good long‑term compounding and doesn’t drag heavily on performance.

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