Globally diversified stock portfolio with strong momentum tilt and efficient low cost core building blocks
Report created on Mar 26, 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 90.00% -
EX Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
EXUS - IE0006WW1TQ4 10.00%
The structure is ultra-simple: two equity ETFs make up 100% of the portfolio, with 90% in a broad global fund and 10% in a developed ex‑US fund. This creates a “one main engine plus a small sidecar” design that is easy to monitor and rebalance. A 100% stock allocation fits a growth‑oriented approach, accepting bigger short‑term swings for higher long‑term potential. Keeping the lineup this tight limits operational complexity and helps avoid overlap decisions across many products. The main trade‑off is that risk management has to come from allocation changes, not from built‑in defensive assets like bonds or cash.
Growth
Over the last two years or so, €1,000 grew to about €1,239, a compound annual growth rate (CAGR) of 11.43%. CAGR is the “average speed” of growth per year, smoothing all the ups and downs. That slightly beats both the US market and global market references, which is encouraging. The maximum drawdown of about -20.5% shows the worst peak‑to‑trough fall, which is significant but actually milder than the US benchmark’s drop. This mix has handled recent volatility well while staying competitive on returns. Just remember that this is a short, specific period; markets can behave very differently in other cycles, so past performance is not a guarantee.
Projection
The Monte Carlo projection uses the portfolio’s historical behavior to simulate 1,000 different future paths over 10 years. Think of it as re‑rolling the dice of past returns in many random sequences to see a range of plausible outcomes, not a prediction. The median scenario roughly quadruples money, while even the 5th percentile ends close to breakeven over a decade. That distribution suggests a favorable balance of reward to risk if someone can stay invested through downturns. Still, simulations rely on past volatility and return patterns; if future markets are structurally different, results can deviate a lot. Treat these ranges as rough weather maps, not precise forecasts.
Asset classes
- Stocks 100%
All assets are in stocks, with no bonds, cash, or alternatives above the 2% reporting threshold. That creates very clear exposure to global economic growth and equity risk, without the dampening effect of fixed income. For long horizons, this can be powerful because historically stocks have offered higher returns than safer assets, but the journey is bumpier. Benchmark “balanced” mixes usually pair equities with bonds to reduce drawdowns; by contrast, this setup behaves more like an aggressive growth allocation. Anyone using this structure typically relies on a long time horizon, other safe assets outside this portfolio, or strong emotional discipline to ride out equity bear markets.
Sectors
- Technology 25%
- Financials 18%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 6%
- Basic Materials 5%
- Energy 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is broad, with technology around a quarter of the portfolio, followed by meaningful slices in financials, industrials, consumer cyclicals, and healthcare. This looks quite similar to modern global equity benchmarks, which is a positive sign for diversification and alignment with the world economy. A technology‑heavy tilt can drive strong performance when innovation and growth stocks lead, but it can also sharpen drawdowns if interest rates rise or sentiment shifts away from high‑growth names. Since no single non‑tech sector dominates, the portfolio is not overly dependent on one traditional industry like banks or energy, which supports resilience across different economic environments.
Regions
- North America 58%
- Europe Developed 19%
- Japan 8%
- Asia Developed 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio leans most heavily on North America at about 58%, with the rest spread across developed Europe, Japan, other developed Asia, and smaller allocations to emerging regions and the Middle East/Africa. This pattern broadly resembles global market weights, where the US is naturally large because many of the world’s biggest listed companies are based there. That alignment is helpful because it avoids making big, implicit macro bets on any single region. The noticeable, but not dominant, emerging‑market slice adds growth potential and currency diversification while keeping risk manageable. Overall, this geographic mix is well‑balanced and aligns closely with global standards.
Market capitalization
- Mega-cap 49%
- Large-cap 34%
- Mid-cap 15%
Market capitalization exposure is dominated by mega and big companies, together over 80%, with a smaller 15% slice in mid caps. Large firms usually bring more stability, deeper liquidity, and better diversification across products and geographies. They often weather recessions more robustly than small companies but may not capture the very highest growth spurts. The relatively modest mid‑cap component slightly boosts growth and diversification without introducing the much higher volatility often seen in small caps. This tilt toward size is very similar to most broad world indices, which are naturally weighted by company value, so it keeps behavior close to “the market” rather than a niche style.
True holdings
-
NV NVIDIA Corporation 3.80%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AA Apple Inc 3.52%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
MS Microsoft Corporation 2.67%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AM Amazon.com Inc 1.84%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class A 1.66%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.42%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AV Broadcom Inc 1.35%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class C 1.35%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
ME Meta Platforms Inc. 1.30%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
TS 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 top exposures are heavily tilted to global mega‑cap growth names like NVIDIA, Apple, Microsoft, and Amazon. Several companies appear in both ETFs, but overlap is only measured using each fund’s top 10, so real duplication is likely higher. This kind of hidden concentration means the portfolio’s fate is closely tied to a small group of very large firms, especially in technology and communication services. That can be great when these leaders are in favor, but it can also magnify pain if sentiment turns against them. Periodically checking how much of the total value depends on the same handful of companies is a good discipline.
Factors
Factor exposure shows a strong tilt to momentum and a meaningful tilt to size. Momentum means holding more of what has recently done well; this can boost returns in trending markets but can hurt when trends reverse abruptly. Size exposure here leans toward larger companies, reinforcing the earlier market‑cap picture. Factor investing is like choosing ingredients in a recipe: different mixes of value, quality, low volatility, or yield create different flavors of risk and return. A momentum‑heavy profile often feels great in bull markets but can experience sharp short‑term pullbacks. Understanding this tilt helps set expectations: more responsiveness to market leadership, less focus on defensive or income‑oriented traits.
Risk contribution
-
Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 90.00% 91.6% -
Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
Weight: 10.00% 8.4%
Risk contribution measures how much each holding adds to total ups and downs, which can differ from its simple weight. The main global ETF is 90% of the portfolio but contributes about 92% of the risk, so its risk‑to‑weight ratio is just above one. The ex‑US ETF is 10% of the assets yet adds around 8% of risk, with a risk‑to‑weight ratio below one, meaning it slightly dampens overall volatility. With only two positions, concentration is inherently high, but their risk split is reasonably proportional. Adjusting weights between them would be the primary lever for dialing risk up or down without changing the product lineup.
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 slightly below the efficient frontier. The efficient frontier represents the best possible return for each risk level using just these two holdings with different weights. The Sharpe ratio, which measures return earned per unit of risk, is higher for the optimal and minimum‑variance portfolios than for the current one. Interestingly, the optimized and minimum‑risk portfolios coincide here, suggesting there is a slightly better combination that offers similar return with lower volatility. This means that, purely by reweighting the two ETFs, it is theoretically possible to nudge the portfolio closer to an efficient point without adding any new products.
Ongoing product costs
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.17%
Total ongoing costs are very low, with an overall TER around 0.17%. TER, or Total Expense Ratio, is the annual fee charged by the funds, taken directly from returns. Keeping fees this lean is a major strength because even a small cost difference compounds significantly over decades. This cost level is competitive with the most efficient index solutions globally and strongly supports long‑term performance. Low costs also mean that more of the market’s return ends up in the investor’s pocket rather than being absorbed by management fees. From an efficiency perspective, the pricing here is impressive and firmly in line with best practices.
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