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Global equity portfolio with strong diversification modest factor tilts and efficient risk adjusted structure

Report created on Jul 11, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is a simple four‑ETF global equity mix, with 70% in a broad all‑world fund and 30% in tilts. The tilts are spread across emerging markets, momentum, and small caps, each at 10%. That means most of the behaviour comes from the diversified core, while the satellites nudge returns and risk in specific directions. Structurally, this is a classic “core and satellite” setup, where one holding does most of the heavy lifting and the others fine‑tune exposure. The high share in a single global ETF keeps the structure easy to follow and broadly aligned with global market weights, while the targeted add‑ons introduce some intentional differences from a pure index approach.

Growth Info

Over the period shown, £1,000 grew to £1,689, which is a compound annual growth rate (CAGR) of 18.77%. CAGR is like your average speed on a long trip, smoothing out bumps along the way. This slightly beat both the US market and the broader global market, with lower maximum drawdown than the US benchmark and very similar to the global benchmark. The worst drop was about -17.5%, taking three months to fall and three months to recover, which is fairly typical for an all‑equity mix. Only 22 days made up 90% of returns, underlining how a small number of strong days can dominate long‑term performance.

Projection Info

The Monte Carlo projection simulates 1,000 different future paths using past return and volatility patterns, a bit like running many “what if” scenarios with dice weighted by history. After 15 years, the median outcome for £1,000 is £2,615, with a wide but informative range from about £935 to £6,931 across most simulations. The average simulated annual return is 7.7%, noticeably lower than recent realised performance, reflecting more conservative expectations. Around 73% of simulations end with a gain. These results illustrate that even for a diversified equity portfolio, long‑term outcomes can vary a lot, and any projection is only a guide, not a guarantee of what will actually happen.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with no bonds, cash, or alternative assets included in the allocation. Equities are generally the growth engine in a portfolio, offering higher return potential but also higher short‑term ups and downs than bonds or cash. Having 100% in stocks means diversification is achieved within the equity universe rather than across very different asset types. This equity‑only structure is straightforward and closely comparable to global stock market benchmarks. However, without other asset classes to offset equity moves, the main risk‑management tools here are diversification across regions, sectors, and company sizes rather than the dampening effect that fixed income or cash can provide.

Sectors Info

  • Technology
    31%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    8%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    4%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is spread across technology (31%), financials (16%), industrials (12%), and a range of others, with no single non‑tech sector dominating. The tech weighting is higher than a traditional broad market mix, which often sits closer to the mid‑20s, reflecting the influence of the global and momentum components. Higher tech exposure can be positive during periods of strong innovation and earnings growth but may amplify swings when sentiment towards growth companies cools or interest rates rise. The presence of meaningful weights in financials, industrials, health care, and consumer areas helps balance this tilt, making the sector mix growth‑leaning but still broadly diversified across the economic cycle.

Regions Info

  • North America
    58%
  • Europe Developed
    13%
  • Asia Developed
    10%
  • Asia Emerging
    7%
  • Japan
    7%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Latin America
    1%

Geographically, about 58% of the portfolio is in North America, with the rest spread across developed Europe, Asia, Japan, and emerging regions. This North American share is broadly in line with global equity market weights, which is a strong indicator of good geographic diversification. There are also dedicated slices to Asia emerging and other developing regions, which add exposure to different growth drivers and currencies. The mix means portfolio results are influenced by several major economies rather than a single one. At the same time, the strong US presence ties a lot of the outcome to the performance of that market, which has been favourable recently but could look different in other periods.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    31%
  • Mid-cap
    17%
  • Small-cap
    6%
  • Micro-cap
    1%

By company size, the portfolio leans towards mega‑caps (44%) and large‑caps (31%), with mid‑caps at 17% and small plus micro‑caps making up about 7%. This is broadly consistent with global equity benchmarks that are naturally dominated by the largest companies. The explicit small‑cap fund pushes exposure slightly further down the size spectrum than a pure large‑cap index, adding a bit more diversification across business models and growth stages. Larger companies often bring more stable earnings and liquidity, while smaller ones can be more volatile but sometimes faster growing. Overall, this mix keeps a big‑company backbone while introducing a measured amount of size diversity.

True holdings Info

  • NVIDIA Corporation
    3.23%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
  • Apple Inc.
    2.89%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.49%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Microsoft Corporation
    2.04%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
  • Alphabet Inc Class A
    1.69%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
    • iShares MSCI World Momentum Factor UCITS
  • Amazon.com Inc
    1.57%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
  • Alphabet Inc Class C
    1.35%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
    • iShares MSCI World Momentum Factor UCITS
  • Broadcom Inc
    1.19%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
  • Meta Platforms Inc.
    0.87%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
  • Tesla Inc
    0.74%
    Part of fund(s):
    • Invesco FTSE All-World UCITS ETF USD Accumalation
    • LS 1x Tesla Tracker ETP Securities GBP
  • Top 10 total 18.06%

Looking through ETF top‑10 holdings, a handful of big names stand out: NVIDIA, Apple, TSMC, Microsoft, Alphabet, Amazon, Broadcom, Meta, and Tesla together form a noticeable slice. These appear across multiple funds, especially the all‑world and momentum ETFs, creating some overlap where the same company is held through different products. That overlap means the actual exposure to a few mega‑cap growth names is higher than any single ETF might suggest. Because only top‑10 positions are visible, the true overlap is likely somewhat larger. This kind of concentration in global leaders is common today and helps explain the portfolio’s growth characteristics and tech tilt.

Risk contribution Info

  • Invesco FTSE All-World UCITS ETF USD Accumalation
    Weight: 70.00%
    67.8%
  • iShares MSCI World Momentum Factor UCITS
    Weight: 10.00%
    12.6%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 10.00%
    9.9%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc)
    Weight: 10.00%
    9.8%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. The core all‑world ETF is 70% of the allocation and contributes about 68% of total risk, almost one‑for‑one. The momentum ETF is only 10% by weight but contributes around 12.6% of risk, meaning it is more volatile relative to its size. Emerging markets and small caps each contribute just under 10% of risk, very close to their weights. Overall, risk is quite evenly aligned with allocation, with a slightly outsized impact from momentum. This pattern indicates that position sizing and risk contribution are generally well matched.

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 risk‑return chart shows the current portfolio, an optimal version, and a minimum variance version, all built from the same holdings. The Sharpe ratio, which measures return per unit of risk above a cash‑like rate, is 1.13 for the current allocation, compared with 1.41 for the optimal mix and 1.31 for the minimum‑risk mix. The current portfolio sits on or very near the efficient frontier, meaning that for its level of risk, it achieves close to the best expected return available from these ETFs. The data suggests the existing weights are already making effective use of the building blocks without obvious inefficiencies.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Momentum Factor UCITS 0.30%
  • Weighted costs total (per year) 0.05%

The portfolio’s headline total expense ratio (TER) is extremely low at around 0.05%, helped by the dominant low‑cost all‑world ETF. The emerging markets and momentum funds have slightly higher TERs of 0.18% and 0.30%, but their smaller weights keep the overall blended cost down. TER represents the annual fund fee as a percentage of assets, quietly taken inside each ETF rather than as a separate bill. Over long periods, keeping this number low can meaningfully support net returns, because less of the portfolio’s growth is eaten by ongoing charges. In this case, costs are impressively low and form a strong structural advantage.

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