This portfolio has only about 1.5 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Solid global backbone with a small cap spice habit and a mild case of fee laziness

Report created on Apr 4, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

Structurally this is a three-fund special: one big global fund doing the heavy lifting half the time, one Europe tracker because home bias is a personality trait, and one spicy global small-cap value tilt bolted on at 20%. It’s like you wanted “boring global core” but couldn’t resist adding a chaos knob. For a so-called balanced risk score, this is 100% equities with a tilt toward the punchier end, which is a bit like calling a double espresso “moderate caffeine.” The overall idea is actually coherent, just not remotely balanced in the everyday sense of the word.

Growth Info

In roughly 1.5 years, €1,000 turned into €1,161, a 10.46% annualised return that beat both the US market and global market benchmarks. Before victory laps: this is a sprint, not a marathon. One ugly stretch saw a near -20% max drawdown, which is a nice reminder that “balanced” here doesn’t mean your stomach will be. CAGR (compound annual growth rate) is just the smoothed yearly growth rate, and over this short window it’s basically a mood reading. Treat this performance like a good first date: encouraging, but way too early to plan the wedding.

Projection Info

The Monte Carlo projection ran 1,000 possible 15-year futures and declared “probably fine but don’t get cocky.” Median outcome around €2,754 from €1,000 with an annualised 8.05% across simulations sounds nice, but remember: those numbers are built on just 1.5 years of history. Monte Carlo is basically a statistical fantasy league: feed in recent behaviour, shake it around, and see a range of what-ifs. With such a short history, it’s more weather forecast than prophecy. Treat the ranges as “what could happen in spirit,” not “what should happen in euros.”

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, zero anything else. For a portfolio labelled “balanced,” this is about as balanced as pizza for breakfast, lunch, and dinner. Fun? Yes. Sensible for all situations? Not really. There’s no ballast here—no bonds, no cash allocation framework, nothing to soften the blows when markets collectively decide to test your pain tolerance. The upside is clarity: this is unapologetically a growth-first setup. The downside is that calling this “balanced” risks giving people the wrong expectations about how violently the ride can shake during a proper downturn.

Sectors Info

  • Financials
    20%
  • Technology
    16%
  • Industrials
    16%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Energy
    8%
  • Consumer Staples
    6%
  • Basic Materials
    6%
  • Telecommunications
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise this is basically a broad market cosplay: financials, tech, and industrials dominate, with the usual supporting cast sprinkled in. No single sector is screaming “obsession,” which is pleasantly boring. Tech at 16% is substantial but not full-blown gadget addiction, and financials at 20% means you’re quietly betting that the plumbing of capitalism keeps working. This looks like you outsourced your sector decisions to a generic global index and called it a day—which, honestly, is not the worst sin. It won’t protect you from broad selloffs, but at least you’re not YOLOing into one theme.

Regions Info

  • North America
    47%
  • Europe Developed
    39%
  • Japan
    5%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically this is “Global, but with a Europe comfort blanket.” Around 47% in North America and 39% in developed Europe means you’re basically hugging the main developed markets while tossing a few crumbs to the rest of the world. Japan and other Asian regions get single-digit scraps, and emerging markets barely register. It’s still far better than a pure home-country fixation, but it does show a bias toward the familiar rich-club markets. That’s fine if you care more about stability of institutions than capturing every last growth pocket, but it’s hardly a world tour.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    26%
  • Mid-cap
    16%
  • Small-cap
    13%
  • Micro-cap
    7%

The market cap mix is where things get more interesting: 37% mega-cap, 26% large, then a meaningful slab of mid (16%), small (13%), and even micro (7%). That 20% allocation to global small-cap value is clearly dragging you down the size spectrum on purpose. This is like owning a solid blue-chip wardrobe, then intentionally adding a collection of loud vintage jackets. It’ll add personality—and volatility. Smaller caps can juice long-term returns but also wobble harder in rough patches, so this tilt is basically a quiet statement that you’re okay with a bumpier ride for a shot at extra payoff.

True holdings Info

  • NVIDIA Corporation
    1.96%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Apple Inc
    1.78%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Microsoft Corporation
    1.25%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • ASML Holding N.V.
    1.09%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
  • Amazon.com Inc
    0.91%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Alphabet Inc Class A
    0.85%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.74%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Alphabet Inc Class C
    0.68%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Broadcom Inc
    0.65%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Rogers Corporation
    0.65%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C
  • Top 10 total 10.55%

The look-through shows exactly what you’d expect from broad global funds in 2026: a tech-and-mega-cap popularity contest. NVIDIA, Apple, Microsoft, Alphabet, Amazon, TSMC… basically the usual suspects, just accessed indirectly. Overlap is clearly there, but because we only see ETF top-10s, the true duplication is probably higher under the hood. It’s like checking only the first page of ingredients and assuming there’s no sugar further down. The takeaway: you’re more concentrated in the global mega-tech complex than the calm three-fund appearance suggests, even if it doesn’t scream “single-stock bet.”

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    Weight: 50.00%
    51.0%
  • Amundi Stoxx Europe 600 UCITS ETF C
    Weight: 30.00%
    25.8%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 20.00%
    23.2%

Risk contribution shows who’s actually rocking the boat, not just who weighs the most. Your global ETF at 50% weight contributes about 51% of risk—basically behaving as advertised. The Europe ETF is under-punching slightly, contributing less risk than its 30% weight, like the quiet kid in the corner. The real troublemaker is the 20% global small-cap value piece, throwing in over 23% of total risk. That small-cap fund is the portfolio’s caffeine shot. Trimming or moderating that kind of overactive contributor is a classic way to keep your future self from discovering new swear words in drawdowns.

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.

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On the risk vs. return chart, your portfolio is lounging noticeably below its own efficient frontier. The efficient frontier is just the best-possible trade-off between risk and return using the same ingredients but different weights. Your Sharpe ratio (return per unit of risk) is 0.5, while a better-mixed version of the exact same three funds could hit 0.82. That’s like running a car with the seats folded down and the handbrake half on—it moves, but not as well as it could. The annoying part: this is fixable without adding a single new product, just by reweighting more intelligently.

Ongoing product costs Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.40%
  • Amundi Stoxx Europe 600 UCITS ETF C 0.07%
  • Weighted costs total (per year) 0.22%

Costs are a mixed bag: overall TER at 0.22% is perfectly livable, but not exactly “brag to your friends” low given cheap global options out there. The global SPDR at 0.40% is doing a lot of the fee damage, while the Amundi Europe fund is the overachiever at 0.07%. The irony is you built a very plain-vanilla index-based structure, then tipped the waiter more than necessary on the main dish. It’s not a disaster—over decades it’s more slow drip than bleeding—but shaving that core fee would be one of the easiest wins available.

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