Globally diversified stock focused portfolio with strong tech tilt and balanced risk profile
Report created on Mar 23, 2026Risk 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
-
VW Vanguard FTSE All-World UCITS ETF USD Accumulation
VWCE - IE00BK5BQT80 77.00% -
VA Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulation
VAGF - IE00BG47KH54 12.00% -
VV VanEck Semiconductor UCITS ETF
VVSM - IE00BMC38736 9.00% -
PP iShares Physical Gold ETC EUR
PPFB - IE00B4ND3602 2.00%
The portfolio is built around a single global equity fund at 77%, complemented by 12% in global bonds, 9% in a focused semiconductor ETF, and 2% in gold. So it’s mostly stocks with a small stabilizing sleeve in bonds and a tiny allocation to gold. This mix explains the “balanced but growth-leaning” risk score: most of the action comes from equities, while bonds and gold are shock absorbers. The takeaway is that growth clearly leads, but there is at least some ballast included, which helps smooth the ride without diluting the long‑term equity engine too much.
Growth
Over the period from mid‑2021, €1,000 grew to about €1,580, a compound annual growth rate (CAGR) of 10.59%. CAGR is the “average speed” per year over the full trip. The max drawdown of roughly ‑20% shows the worst peak‑to‑trough drop, which is a good gut‑check for risk comfort. Compared with the global market reference, returns were higher with slightly smaller drawdowns, which is a solid outcome. The U.S. market benchmark did even better but with much lower drawdown, reflecting a particularly strong run. Past data can’t guarantee the future, but it does show this mix has delivered attractive returns for the risk taken.
Projection
The Monte Carlo simulation projects many possible 10‑year paths for €1,000 based on the portfolio’s historical pattern of returns and volatility. Think of it as running 1,000 alternate futures where good and bad years show up in different orders. The median outcome (about +463%) suggests strong potential growth, while even the weaker 5th percentile, around +83%, stays slightly positive in nominal terms. Importantly, these numbers are not promises; they just show what could happen if the future rhymes with the past. The main takeaway is that the range of outcomes is wide, but the odds of losing money over a decade, based on this model, look relatively low.
Asset classes
- Stocks 86%
- Bonds 12%
- Other 2%
Asset‑class‑wise, about 86% is in stocks, 12% in bonds, and 2% in gold. That’s a clear equity‑driven allocation with a modest stabilizing sleeve. Many broad “balanced” allocations might split closer to 60/40 or 70/30 between stocks and bonds, so this sits on the growthier side of “balanced.” The bond piece contributes very little to overall risk, which means it mostly acts as a cushion when equity markets stumble. This mix is well‑suited to someone who can tolerate meaningful ups and downs in exchange for higher expected returns, but it’s less ideal for very short‑term or capital‑preservation‑first goals.
Sectors
- Technology 30%
- Financials 13%
- Industrials 8%
- Consumer Discretionary 8%
- Telecommunications 7%
- Health Care 7%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 1%
Sector exposure is led by technology at 30%, then financials, industrials, consumer cyclicals, and communication services. The extra 9% semiconductor ETF amplifies the tech tilt beyond what broad global indices typically carry. This tilt has been powerful in recent years but can make the portfolio more sensitive to rate changes, regulatory shifts, or a cooling in the chip cycle. On the positive side, the presence of financials, healthcare, consumer, energy, and utilities indicates this isn’t a one‑sector bet. The big takeaway: there’s broad sector coverage, but technology is clearly in the driver’s seat, which increases both upside potential and thematic risk.
Regions
- North America 56%
- Europe Developed 13%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, over half of the portfolio is in North America, with additional exposure to developed Europe, Japan, and other developed Asia, plus smaller slices in emerging regions. This is structurally similar to many global equity benchmarks that are naturally U.S.‑heavy because U.S. markets dominate global market capitalization. That alignment is actually positive: it means the portfolio taps into the world’s main investment hubs as they stand today. The flipside is meaningful reliance on North American economic and policy conditions. Anyone wanting more balance could tilt slightly more toward non‑U.S. regions, but as it stands, this is broadly in line with global standards.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 13%
Market‑cap exposure leans strongly into mega and large companies (about 73% combined), with a smaller 13% in mid‑caps and relatively little in smaller firms. Large companies tend to be more stable, more diversified by business line, and generally less volatile than tiny niche names. That helps control risk and explains part of the relatively smooth performance versus pure small‑cap strategies. On the other hand, historically some of the strongest long‑run excess returns have come from smaller companies, which are underrepresented here. The main trade‑off is reduced potential “small‑cap kicker” in exchange for more predictable, blue‑chip‑driven behavior.
True holdings
-
NV NVIDIA Corporation 4.03%
Part of fund(s):- VanEck Semiconductor UCITS ETF
- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AA Apple Inc 3.02%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
MS Microsoft Corporation 2.28%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AV Broadcom Inc 1.78%
Part of fund(s):- VanEck Semiconductor UCITS ETF
- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AM Amazon.com Inc 1.58%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class A 1.42%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.22%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class C 1.15%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
ME Meta Platforms Inc. 1.11%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AS ASML Holding NV ADR 1.05%
Part of fund(s):- VanEck Semiconductor UCITS ETF
- Top 10 total 18.63%
The look‑through data only covers about a quarter of total assets, but it already shows meaningful exposure to the largest global tech and communication names like NVIDIA, Apple, Microsoft, and Alphabet. Some of these appear both via the broad global equity ETF and the semiconductor ETF, which creates hidden concentration: when one stock falls, it may hit multiple holdings at once. Overlap is likely understated because only top‑10 ETF positions are visible. The general lesson is that even “diversified” funds can stack exposure into the same giants, so it’s worth assuming effective big‑tech concentration is higher than the summary weight suggests.
Factors
Factor exposure shows dominant tilts to momentum, low volatility, and size (with a tilt toward larger names). Factors are like underlying “personality traits” of the portfolio that help explain how it behaves. A strong momentum tilt means it favors recent winners, which can boost returns when trends persist but can hurt during sharp reversals. The low‑volatility tilt suggests a bias toward somewhat steadier names relative to a pure high‑beta growth portfolio, though coverage for that signal is limited. The size factor tilt toward bigger stocks adds stability but reduces small‑company punch. Overall, it’s a “quality‑leaning momentum” style rather than deep value or high yield.
Risk contribution
-
Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 77.00% 80.9% -
VanEck Semiconductor UCITS ETF
Weight: 9.00% 18.4% -
Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulation
Weight: 12.00% 0.5% -
iShares Physical Gold ETC EUR
Weight: 2.00% 0.2%
Risk contribution shows how much each holding adds to overall volatility, which can differ a lot from its simple weight. The broad global equity ETF is 77% of the portfolio but contributes about 81% of total risk, which is roughly proportional. The semiconductor ETF, though, is only 9% by weight but adds over 18% of the risk, more than double its size, underlining how punchy that exposure is. Bonds and gold barely move the needle on risk, despite a combined 14% weight. If a smoother ride is desired, shrinking the concentrated high‑risk sleeve and slightly boosting the lower‑risk pieces would meaningfully rebalance the risk budget.
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 shows the current portfolio sits on the efficient frontier, meaning that for its mix of holdings, the weights are already arranged in a mathematically efficient way. The Sharpe ratio of about 0.61 indicates solid risk‑adjusted returns. There is an “optimal” portfolio with a far higher Sharpe and expected return, but that solution also comes with much higher risk and is heavily shaped by the historical period used. Since you’re already on the frontier, there’s no obvious improvement just from reweighting among the same funds unless your risk tolerance or goals change. Overall the allocation looks efficient for its chosen building blocks.
Ongoing product costs
- Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulation 0.10%
- VanEck Semiconductor UCITS ETF 0.35%
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.19%
The total ongoing fee level (TER) of about 0.19% is impressively low for a globally diversified, multi‑asset setup. Costs are one of the very few things investors can reliably control, and even small differences compound massively over decades. Saving 0.3–0.5 percentage points per year versus higher‑fee products can add up to thousands of euros over a long horizon. Using broad index ETFs and keeping the satellite semiconductor exposure in a reasonably priced fund helps maintain this advantage. From a cost perspective, this portfolio already aligns closely with best practices for long‑term investing and supports stronger net performance.
What next?
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey