Globally diversified stock portfolio with low costs and a tilt toward value investing principles

Report created on Apr 11, 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

The portfolio is extremely simple: two equity ETFs, with 90% in a broad global fund and 10% in a value-tilted global fund. That means every euro is invested in stocks, with no bonds or cash assumed in the asset mix. A structure like this is easy to understand and maintain because there are very few moving parts. It also means the behaviour is mostly driven by overall global stock markets, with a slight twist from the value ETF. The main takeaway is that this is a straightforward, “core plus small tilt” setup that keeps things simple while adding a modest style overlay.

Growth Info

Historically, €1,000 grew to about €2,070 over the period, giving a compound annual growth rate (CAGR) of 11.35%. CAGR is like the average yearly speed of a road trip, smoothing out bumps along the way. This return essentially matched the global market benchmark and trailed the US market somewhat, which is normal for a more globally spread portfolio. The max drawdown of about -34% during early 2020 was sharp but similar to the benchmarks, showing no excessive risk. Overall, performance indicates that a global equity approach delivered strong growth but required sitting through significant temporary declines.

Projection Info

The Monte Carlo simulation runs 1,000 possible future paths based on historical return and volatility patterns to estimate a range of outcomes. It’s like rolling the dice many times using past data to see what might happen, not what will happen. The median result of €2,720 after 15 years suggests solid expected growth, while the wide possible range (€926–€7,930) highlights uncertainty. An 83% chance of ending with more than the starting amount is encouraging but not a guarantee. The key point is that long-term equity investing has historically favoured patience, while also carrying real downside risk in less favourable scenarios.

Asset classes Info

  • Stocks
    100%

Asset allocation is 100% stocks, with no bonds, cash, or alternatives in the mix. Equities are historically the main engine of growth but also the main driver of big swings in portfolio value, especially over months or a few years. For many global benchmarks, a pure equity allocation would be considered aggressive, but your risk classification of “balanced” reflects the broader context of your situation, not just this portfolio slice. From an investment-only perspective, the takeaway is that this is a growth-focused setup where stability is not the goal; long-term return potential is.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is well spread, but with a clear tilt toward technology at 26%, followed by financials and industrials. This is quite similar to many global equity benchmarks today, where tech and related industries dominate index weights. A tech-heavy allocation tends to benefit from innovation and digital trends but can be more sensitive when interest rates rise or when markets cool on growth stories. The presence of meaningful exposure to financials, industrials, health care, and other sectors helps balance this somewhat. Overall, the sector mix is broadly diversified and aligns closely with global standards, which is a positive sign.

Regions Info

  • North America
    61%
  • Europe Developed
    17%
  • Japan
    8%
  • Asia Developed
    6%
  • Asia Emerging
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 61% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging regions. This is broadly in line with the global investable stock market, which is naturally dominated by US companies. Such a distribution means results are strongly linked to the US economy and currency, but not exclusively so. Exposure to Europe, Japan, and emerging markets provides additional growth and diversification drivers. This alignment with global market weights is beneficial, as it avoids heavy home bias and ensures the portfolio participates in economic progress across many regions rather than betting on a single area.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    36%
  • Mid-cap
    17%

Market cap exposure is skewed toward mega-cap and large-cap companies, which together make up over 80% of the portfolio, with the rest in mid-caps. Large and mega companies tend to be more stable and widely researched, often leading to smoother behaviour than portfolios dominated by small caps. On the flip side, very small companies, which can sometimes offer higher growth but more risk, are underrepresented. This setup closely mirrors global index construction and is typical for broad ETFs. The main implication is that returns will be driven largely by the biggest, most established firms, which can support stability but may limit small-cap upside.

True holdings Info

  • NVIDIA Corporation
    3.80%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Apple Inc
    3.52%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    2.67%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Amazon.com Inc
    1.84%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    1.66%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.42%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Broadcom Inc
    1.35%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    1.35%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    1.30%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tesla Inc
    1.04%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 19.95%

Looking through the ETFs, the largest visible exposures are mega US tech and platform companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. These appear through the underlying indices rather than as direct single-stock bets. Because only top-10 ETF holdings are shown, actual overlap is likely higher than reported, but this snapshot already shows a meaningful concentration in a handful of global giants. That is standard for market-cap-weighted indices today. The takeaway is that while the portfolio looks diversified, a lot of its behaviour will still be influenced by how these big technology-related names perform.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 90.00%
    90.3%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    9.7%

Risk contribution shows how much each holding adds to overall ups and downs, which can differ from simple weight. Here, the broad global ETF contributes about 90% of risk, almost exactly matching its 90% weight, while the value ETF contributes around 10%. That tells us there is no hidden leverage or outsized risk from the smaller position; the structure is very proportional. With only two funds, total portfolio risk is essentially the same as holding a single global equity ETF. The takeaway is that rebalancing would be simple, and risk is cleanly aligned with capital allocation, which is a strength.

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 efficient frontier analysis shows the current mix is already on or very close to the optimal risk–return line for these two ETFs. The Sharpe ratio, which measures return per unit of risk above a risk-free rate, is 0.59 for the current portfolio, while the optimal combination using the same funds only nudges that higher. This means there isn’t a meaningful improvement available just by reweighting between the two ETFs; the set-up is already efficient. The big picture takeaway: structurally, the portfolio is doing its job well, and any future changes would likely be driven by changes in goals or risk tolerance rather than optimisation needs.

Ongoing product costs Info

  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Weighted costs total (per year) 0.20%

Total ongoing fund costs (TER) across the portfolio are very low at around 0.20% per year. TER, or Total Expense Ratio, is the annual fee charged by a fund to cover management and operations; it’s quietly subtracted from returns. Keeping this number low is one of the few levers investors can control, and over decades, small fee differences compound into meaningful sums. Compared with typical active funds, these costs are impressively low and in line with best practices for index-based investing. That supports better long-term performance by ensuring more of the market’s return stays in your pocket rather than going to fees.

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