Globally diversified all stock portfolio with momentum and small cap value tilt and low ongoing costs
Report created on Sep 1, 2026Risk profile
4/7
Diversification profile
3/5
Positions
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VW Vanguard FTSE All-World UCITS ETF USD Accumulation
VWRP - IE00BK5BQT80 70.00% -
IW iShares MSCI World Momentum Factor UCITS
IWMO - IE00BP3QZ825 15.00% -
AV Avantis Global Small Cap Value UCITS ETF USD Acc
AVGS - IE0003R87OG3 15.00%
This portfolio is a three‑fund, 100% equity mix with a clear core‑satellite structure. Around 70% sits in a broad global index fund, giving exposure to thousands of companies worldwide. The remaining 30% is split between a momentum‑focused fund and a global small‑cap value fund, which act as targeted “tilts” away from the plain market. This kind of setup matters because a broad core can anchor overall behaviour, while satellites add more distinct performance patterns. Given the short 1.9‑year history available, it’s too early to call these patterns persistent, but structurally the portfolio combines simple building blocks with a modest lean toward more active factor themes.
Growth
Over roughly 1.9 years, £1,000 grew to about £1,370, implying a Compound Annual Growth Rate (CAGR) of 18.18%. CAGR is like average speed on a road trip: it smooths choppy ups and downs into one annual figure. Over this short window, the portfolio outpaced both the US and global equity benchmarks, while experiencing a slightly smaller maximum drawdown at -17.71%. That drawdown took about two months to the bottom and three months to recover, which is relatively fast. Only 13 trading days generated 90% of the gains, underscoring how clustered equity returns can be. With less than two years of data, though, these strong numbers should be seen as a snapshot, not a long‑term pattern.
Projection
The Monte Carlo projection uses that short return history to simulate many possible 15‑year paths for a £1,000 investment. Monte Carlo is basically a “what if machine” that shuffles past return and volatility patterns thousands of times to see a range of potential futures. Here, the median outcome is about £2,681, with a wide middle band from roughly £1,781 to £4,008. That spread shows how uncertain long‑term results can be, even when starting from the same point. Because the model is fed with only 1.9 years of history, the projections are less reliable than those based on a full market cycle and should be treated as rough, illustrative ranges rather than precise forecasts.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no allocation to bonds, cash, or other asset classes. That makes the asset‑class mix very straightforward: it is fully tied to the fortunes of global equity markets. Asset classes like bonds or cash typically act as stabilisers because they often move differently from stocks, especially during sharp equity downturns. With 100% in equities, the portfolio leans entirely on stock‑market growth and accepts the full ride of equity volatility. Over the short 1.9‑year lookback, that has been rewarded with strong returns, but the absence of other asset classes means drawdowns will also fully reflect equity market stress when it occurs.
Sectors
- Technology 27%
- Financials 17%
- Industrials 12%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 7%
- Energy 7%
- Basic Materials 5%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is broad, with notable weights across technology, financials, industrials, and several smaller areas. Technology at about 27% is the largest slice, higher than a typical “market‑like” mix, which is common when combining a global index with a momentum fund because recent winners often cluster in tech. Sector diversification matters because different parts of the economy respond differently to interest rates, inflation, and business cycles. A tech‑heavier portfolio may experience sharper swings during periods of rising rates or shifts in growth expectations, while sectors like consumer staples or utilities often move more defensively. Over this short data window, tech strength has helped, but the sector mix also raises sensitivity to sentiment around growth companies.
Regions
- North America 65%
- Europe Developed 15%
- Japan 7%
- Asia Developed 5%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is strongly global but with a clear tilt to North America at 65%, followed by developed Europe and Japan, with smaller slices across the rest of the world. This is broadly aligned with global equity indices, which are also dominated by the US, and this alignment supports diversification across many economies and currencies. Global spread helps reduce dependence on any single region’s political or economic conditions. However, a high North American share means results are still heavily influenced by that region’s markets and currency. Over the last 1.9 years, US‑driven strength has supported returns; this should be seen as one short episode within what could be very different future regional leadership.
Market capitalization
- Mega-cap 40%
- Large-cap 31%
- Mid-cap 16%
- Small-cap 8%
- Micro-cap 5%
By market capitalisation, the portfolio leans toward larger companies, with about 71% in mega‑ and large‑caps. Mid‑caps and small‑caps together still form a meaningful portion, helped by the dedicated global small‑cap value fund. Market cap matters because company size often influences risk and return patterns: large firms tend to be more stable and well‑researched, while smaller firms can be more volatile but sometimes deliver stronger growth or recovery potential. Having a sizeable large‑cap anchor can moderate some of the swings that pure small‑cap portfolios experience. Over the brief 1.9‑year period, this blend has captured both the resilience of big names and the extra movement of smaller companies, but long‑term behaviour could differ across full cycles.
True holdings
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NV NVIDIA Corporation 3.14%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AA Apple Inc. 2.99%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
MS Microsoft Corporation 2.31%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class A 1.78%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares MSCI World Momentum Factor UCITS
-
AM Amazon.com Inc 1.76%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class C 1.42%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- iShares MSCI World Momentum Factor UCITS
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.22%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AV Broadcom Inc 1.21%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
MU Micron Technology Inc 0.87%
Part of fund(s):- iShares MSCI World Momentum Factor UCITS
-
ME Meta Platforms Inc. 0.82%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Top 10 total 17.52%
Looking through the ETFs, the visible top‑10 holdings show meaningful exposure to several large global technology and platform companies such as NVIDIA, Apple, Microsoft, Alphabet, and Amazon. These names appear via multiple funds, which creates some overlap and hidden concentration even though they are not held directly. For example, NVIDIA and Apple together already represent over 6% of the portfolio within the covered slice. Because the data only includes ETF top‑10 positions, true overlap is likely higher than reported. This matters because overlapping holdings can make the portfolio behave more like those dominant companies than the fund list alone suggests, especially over short horizons where these giants can drive a big share of market‑level returns.
Risk contribution
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Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 70.00% 64.9% -
iShares MSCI World Momentum Factor UCITS
Weight: 15.00% 20.3% -
Avantis Global Small Cap Value UCITS ETF USD Acc
Weight: 15.00% 14.8%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The broad global ETF, at 70% weight, contributes about 64.9% of total risk, slightly less than its size suggests. The momentum fund is 15% of the portfolio but contributes just over 20% of risk, indicating it is more volatile or differently correlated than the others (risk/weight 1.35). The small‑cap value fund’s risk share closely matches its weight. This pattern means the momentum sleeve punches above its weight in shaping short‑term fluctuations. With only 1.9 years of data, these estimates could shift, but they highlight that not all 15% slices behave equally in terms of risk.
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 risk‑return chart compares the current mix with an “efficient frontier,” which is the best trade‑off between risk and expected return achievable using these same three funds in different weights. The current portfolio has a Sharpe ratio of 1.05, a measure of return earned per unit of risk above the risk‑free rate. The optimal mix on this frontier has a higher Sharpe of 1.35, and the minimum‑variance mix also scores higher at 1.25. The current allocation sits about 1.29 percentage points below the frontier at its risk level, meaning, based on this short 1.9‑year sample, a different combination of these same funds could have achieved better risk‑adjusted results. These findings are sensitive to the limited history used.
Ongoing product costs
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.14%
- Weighted costs total (per year) 0.10%
The total ongoing fund cost (TER) is very low at around 0.10% per year, with the largest holding charging just 0.14%. TER, or Total Expense Ratio, is like a small annual service fee baked into the fund price — you never see it billed directly, but it slightly reduces returns each year. Low costs are important because they compound in the investor’s favour over decades: less drag means more of the gross return stays in the portfolio. Relative to typical active or higher‑fee strategies, these levels are impressively low and align well with cost‑efficient best practices. Over a long horizon, keeping fees at this level supports stronger net outcomes, even if markets themselves remain unpredictable.
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