Globally diversified stock portfolio with strong low volatility tilt and focused crypto satellite position
Report created on May 6, 2024Risk profile
4/7
Diversification profile
4/5
Positions
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VW Vanguard FTSE All-World UCITS ETF USD Accumulation
VWCE - IE00BK5BQT80 60.00% -
VU Vanguard S&P 500 UCITS Acc
VUAA - IE00BFMXXD54 30.00% -
VB VanEck Vectors Bitcoin ETN A EUR
VBTC - DE000A28M8D0 10.00%
The structure is simple and clear: around 90% in broad global and US stock ETFs and 10% in a single Bitcoin ETN. The core is split 60% into a global all‑world fund and 30% into a US large‑cap fund, which gives a strong equity foundation plus an explicit growth satellite via crypto. This type of “core plus satellite” setup is easy to understand and maintain. It balances everyday growth exposure with a small, punchy allocation that can move a lot. The main takeaway is that most of the risk and return will still come from global stocks, while the 10% crypto slice will add noticeable upside and downside swings.
Growth
From late 2020 to March 2026, €1,000 grew to about €1,973, a compound annual growth rate (CAGR) of 13.43%. CAGR is like your average speed on a long road trip: it smooths the ups and downs into one yearly growth number. This result slightly beat the US market and clearly beat the global market proxy, which is a very solid outcome. Max drawdown of about -26% shows that the worst peak‑to‑trough fall was meaningful but not extreme for an equity‑heavy portfolio. As always, past performance doesn’t guarantee future results, but this history suggests the mix handled recent market conditions well.
Asset classes
- Stocks 90%
- Crypto 10%
Asset‑class exposure is straightforward: 90% in stocks and 10% in crypto, with no bonds or cash layers in the mix. For a “balanced” risk category, this is actually quite growth‑heavy, relying on equities plus a highly volatile crypto component for returns. Stocks are long‑term growth engines but can drop sharply; crypto tends to move even more. The upside is strong participation in global growth and innovation. The trade‑off is that there is little built‑in cushion from traditionally defensive assets. Anyone using this setup as a full portfolio might want to think about how emergency cash and any separate bond holdings fit in outside this structure.
Sectors
- Technology 26%
- Financials 14%
- Industrials 9%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is skewed toward technology at about 26%, with meaningful but smaller allocations to financials, industrials, consumer‑related areas, health care, and telecoms. This mirrors modern global equity benchmarks, where tech and communication‑style businesses are major drivers of returns. The positive news is that this composition is well‑balanced and aligns closely with global standards, avoiding big bets on niche areas. Tech‑heavy exposure can do very well in growth phases but may be more sensitive when interest rates rise or when investors rotate toward cheaper, slower‑growth companies. Overall, the sector mix looks broadly diversified for a long‑term equity portfolio.
Regions
- North America 67%
- Europe Developed 9%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about two‑thirds of equity exposure sits in North America, with the rest spread across Europe, Japan, and other developed and emerging regions. That North American tilt is similar to many global benchmarks, since US companies represent a large share of world market value. The good part is strong alignment with where global corporate profits and innovation currently concentrate. The flip side is that results will be closely tied to how the US and broader North American markets perform. Underweights in some smaller regions mean less diversification from local booms there, but the global ETF still provides a genuinely worldwide footprint.
Market capitalization
- Mega-cap 43%
- Large-cap 31%
- Mid-cap 15%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market‑cap exposure is dominated by mega‑ and large‑cap companies, which together make up nearly three‑quarters of the equity allocation. Mid‑caps add another meaningful slice, while small‑caps are only a tiny portion. Large and mega companies tend to be more stable, better diversified businesses, which can reduce volatility relative to a small‑cap‑heavy portfolio. They also dominate major indexes, so this mix is very much in line with standard global equity investing. The trade‑off is less exposure to the higher risk‑higher potential return of smaller companies. For most investors, this kind of large‑cap focus is a practical and familiar foundation.
True holdings
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NV NVIDIA Corporation 4.73%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Vanguard S&P 500 UCITS Acc
-
AA Apple Inc 4.35%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Vanguard S&P 500 UCITS Acc
-
MS Microsoft Corporation 3.27%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Vanguard S&P 500 UCITS Acc
-
AM Amazon.com Inc 2.27%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Vanguard S&P 500 UCITS Acc
-
GO Alphabet Inc Class A 2.04%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Vanguard S&P 500 UCITS Acc
-
AV Broadcom Inc 1.67%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Vanguard S&P 500 UCITS Acc
-
GO Alphabet Inc Class C 1.64%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Vanguard S&P 500 UCITS Acc
-
ME Meta Platforms Inc. 1.59%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Vanguard S&P 500 UCITS Acc
-
TS Tesla Inc 1.27%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Vanguard S&P 500 UCITS Acc
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.95%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Top 10 total 23.78%
This breakdown covers the equity portion of your portfolio only.
Looking through ETF top holdings, the biggest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. These appear in both the global and US funds, which creates hidden concentration even though everything sits inside diversified ETFs. Because only top‑10 ETF holdings are used, the true overlap is probably higher than shown, especially for the largest companies. This isn’t necessarily a problem: top global companies drive a lot of index returns. The main takeaway is that a big part of equity risk is tied to a handful of very large growth‑oriented firms, which can boost returns but also link performance to their fortunes.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure shows a very strong tilt toward low volatility, with a 96% score versus 50% as a neutral baseline. Factors are like the underlying “ingredients” driving returns; low volatility means stocks that historically moved less than the market. A strong low‑vol tilt often leads to smaller drawdowns and smoother rides but can lag in explosive bull markets driven by speculative names. There’s also a mild tilt toward value, meaning relatively cheaper companies versus their fundamentals, which can help when markets favor more reasonably priced businesses. These tilts together suggest a preference for steadier, less frothy parts of the market despite the presence of Bitcoin.
Risk contribution
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Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 60.00% 48.8% -
Vanguard S&P 500 UCITS Acc
Weight: 30.00% 26.6% -
VanEck Vectors Bitcoin ETN A EUR
Weight: 10.00% 24.6%
Risk contribution shows how much each holding adds to total ups and downs, which can differ from its weight. Here, the all‑world ETF is 60% of the portfolio but contributes about 49% of risk, while the S&P 500 ETF is 30% and adds roughly 27% of risk. The standout is the 10% Bitcoin ETN, which contributes around 25% of total risk – more than double its weight. That’s classic behavior for a highly volatile asset. If a quarter of portfolio risk coming from one 10% slice feels high, one way to dial things in would be to adjust that weight rather than change the equity core drastically.
Redundant positions
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High correlationVanguard S&P 500 UCITS AccVanguard FTSE All-World UCITS ETF USD Accumulation
Correlation measures how assets move together, with 1.0 meaning they move almost identically. The two stock ETFs here have a very high correlation of 0.97, which isn’t surprising given that one is the US market and the other is global with a big US component. Holding both doesn’t add a lot of diversification between them, but it does ensure exposure to the broad global market plus an explicit US tilt. In practice, this is more of a design choice than a problem: many investors pair a global fund with a US fund exactly this way. The main diversification difference actually comes from the separate crypto position.
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 portfolio sits right on or very close to the efficient frontier. The efficient frontier is the curve of best possible returns for each risk level using the existing holdings with different weightings. A Sharpe ratio of 0.83 for the current mix is slightly below the optimal Sharpe of 0.93 but already above the minimum‑risk portfolio’s 0.76. That means the allocation is efficient for its chosen risk level and doesn’t look wasteful in risk terms. Any further tuning would be about preference – for example, nudging toward the max‑Sharpe mix or reducing volatility – rather than fixing a clear structural problem.
Ongoing product costs
- Vanguard S&P 500 UCITS Acc 0.07%
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.14%
Total ongoing charges (TER) are very low at around 0.14%, with the S&P 500 ETF at 0.07% and the global ETF at 0.19%. TER is like an annual “membership fee” expressed as a percentage of your investment. Low costs matter because they compound over time; every 0.1% saved each year quietly adds up across decades. These levels are firmly in the “cheap” camp and are one of the big strengths of this setup. The costs are impressively low, supporting better long‑term performance and leaving more of the underlying market return in your pocket instead of flowing out as fees.
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