Globally diversified equity portfolio with strong technology tilt and efficient risk adjusted historic performance

Report created on Apr 6, 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 ultra-simple: two equity ETFs only, with 80% in a global all‑world fund and 20% in a NASDAQ‑100 tracker. That means every euro is in stocks, split between broad global exposure and a focused growth sleeve. Structurally this is clean, easy to manage, and avoids complexity or overlap across many products. Holding a global core plus a growth‑tilted satellite is a common framework because it keeps the base diversified while adding some extra punch. The main implication is that portfolio risk is entirely driven by equity markets, with no bonds or cash dampening volatility, so short‑term swings can be meaningful even if the structure is long‑term friendly.

Growth Info

From mid‑2019 to early 2026, €1,000 grew to about €2,203, a compound annual growth rate (CAGR) of 12.62%. CAGR is like the average yearly “speed” of growth over the full journey. This beat the global equity benchmark’s 11.13% but trailed the US market’s 13.35%, which makes sense given the global tilt. The worst decline (max drawdown) was about -30.6% during early 2020, slightly milder than the benchmarks’ roughly -34%. That shows the mix handled the COVID crash reasonably well. The fact that 90% of returns came from just 25 days underlines how missing a few big up days can dramatically change outcomes, reinforcing the value of staying invested.

Projection Info

The Monte Carlo projection uses past volatility and returns to simulate 1,000 different future paths for the next 15 years. Think of it as running many “what if?” scenarios to see a range of possible outcomes rather than one precise forecast. The median outcome turns €1,000 into about €2,771, with a fairly wide range from around €956 at the low end (5th percentile) to about €8,095 at the high end (95th percentile). The average annual return across simulations is 8.32%, with roughly a 74% chance of ending positive. These numbers illustrate potential but not certainty; markets rarely repeat the past exactly, especially over long horizons.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in a single asset class: stocks. There’s no fixed income, cash, or alternatives to cushion large drawdowns or provide stability when markets fall. Equity‑only portfolios tend to deliver higher expected long‑term returns than mixed stock‑bond portfolios, but they also expose investors to deeper and more frequent swings. Compared with a typical “balanced” allocation that includes bonds, this is clearly more growth‑oriented. For someone who can ride through volatility and has a long time horizon, an equity‑only structure can be sensible. For shorter horizons or lower risk tolerance, adding other asset classes is usually how people dial down the bumps.

Sectors Info

  • Technology
    31%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Telecommunications
    10%
  • Industrials
    10%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is tilted toward technology at 31%, with financials next at 13%, followed by consumer discretionary, telecoms, and industrials all around 10%. That tech share is higher than many global benchmarks, largely thanks to the NASDAQ sleeve. Tech‑heavy portfolios can do very well in periods of innovation and low interest rates, but they also tend to be more sensitive when rates rise or when growth stocks fall out of favor. On the positive side, the remaining sectors are reasonably spread out, which helps avoid being all‑in on a single economic story. The main takeaway: growth and tech dynamics will heavily influence returns.

Regions Info

  • North America
    70%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Regionally, around 70% is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, and smaller allocations to Australasia, Latin America, and Africa/Middle East. This is quite similar to many global equity benchmarks where the US dominates market capitalization, so the portfolio is aligned with global standards. The upside is strong exposure to some of the world’s most profitable and innovative companies. The trade‑off is that economic or policy shocks in North America will have an outsized effect on performance. The non‑US slice still provides useful diversification, but the portfolio’s story is primarily driven by that dominant region.

Market capitalization Info

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

By market cap, the portfolio leans heavily into the largest companies: about 49% mega‑cap, 35% large‑cap, and 15% mid‑cap, with effectively no small‑cap exposure. Larger firms often have more stable earnings, deeper liquidity, and stronger balance sheets, which can reduce company‑specific risk compared with smaller, more fragile names. At the same time, it can mean less exposure to the very high‑growth potential of small caps. Relative to a fully market‑cap‑weighted global index, this profile is very typical and suggests the portfolio should behave similarly to broad markets, just with added growth tilt from the large tech names dominating the top end.

True holdings Info

  • NVIDIA Corporation
    5.11%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Apple Inc
    4.65%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    3.49%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Amazon.com Inc
    2.55%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    2.17%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    1.84%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    1.84%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Broadcom Inc
    1.80%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tesla Inc
    1.65%
    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
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.26%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 26.37%

Looking through ETF top holdings, exposure is heavily skewed to mega US tech names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla, and TSMC appear prominently. Many of these show up in both ETFs, creating hidden concentration because the same company is effectively held twice. That means individual company events — like a bad earnings report from a large tech firm — can move the whole portfolio more than the ETF count suggests. The reported overlap is likely understated because it only reflects each ETF’s top 10 positions. For a setup like this, it’s normal but worth being aware that “two funds” doesn’t always equal “double diversification.”

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 80.00%
    78.2%
  • Invesco EQQQ NASDAQ-100 UCITS ETF
    Weight: 20.00%
    21.8%

Although the global ETF is 80% of the weight, it contributes about 78% of total risk, while the 20% NASDAQ ETF contributes around 22% of risk. Risk contribution measures each holding’s share of the portfolio’s overall ups and downs; a more volatile position can contribute more risk than its weight suggests. Here, the NASDAQ sleeve is slightly “risk‑heavier” than its size, which fits its growth‑stock nature. This isn’t extreme, and the balance is actually quite tidy. If risk ever felt too jumpy, the most direct way to reduce volatility using these same building blocks would be to trim the more aggressive NASDAQ slice relative to the diversified core.

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, meaning that given these two ETFs, the weighting already delivers close to the best possible return for its level of risk. The Sharpe ratio of 0.56 — which measures return per unit of risk — is lower than the theoretical max‑Sharpe combo (0.84) but that higher point also uses more risk. The minimum‑variance mix still offers a slightly better Sharpe than current, though with similar volatility. Overall, the structure is already efficient, and any improvements would come from fine‑tuning risk level rather than fixing a flawed allocation.

Ongoing product costs Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Invesco EQQQ NASDAQ-100 UCITS ETF 0.35%
  • Weighted costs total (per year) 0.22%

The blended ongoing fee (TER) is about 0.22%, combining a 0.19% global ETF and a 0.35% NASDAQ ETF. Total Expense Ratio (TER) is the annual fund cost expressed as a percentage of assets — like a small haircut taken each year. These costs are impressively low, especially for a globally diversified approach with a growth tilt. Over decades, every 0.1% saved in fees can add up significantly through compounding, so being at this level is a real strength. The cost structure here is firmly in “low‑cost” territory, which supports better net performance without needing to take additional risk or add complexity.

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