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Global equity portfolio with strong US tilt and notable health care and technology concentration

Report created on Jul 30, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built entirely from equity ETFs, with seven funds sharing weights between 14% and 15%. The structure combines broad global and US market trackers with two dedicated NASDAQ-100 ETFs, a Eurozone blue-chip fund, a UK large-cap fund, and a global health care sector ETF. That mix creates a fairly concentrated equity risk profile while still spreading exposure across different index families. Because everything here is stock-based, portfolio movements will closely follow global equity markets rather than bonds or cash-like assets. The balanced risk score of 4/7 and “moderately diversified” label reflect that the building blocks are diversified themselves, but the overall design still leans clearly toward growth and market volatility.

Growth Info

Over the period from early 2020 to mid‑2026, €1,000 grew to about €2,232, equal to a 13.29% compound annual growth rate (CAGR). CAGR is like average speed on a long car trip, smoothing out bumps along the way. The portfolio slightly lagged the US market benchmark by 0.85% per year but beat the global market by 1.36% annually, showing its US and growth tilt helped versus a worldwide mix. The worst drawdown was about ‑29.9% during the early 2020 crash, a bit milder than the benchmarks’ roughly ‑33% falls. Only 26 days generated 90% of total returns, underlining how missing a handful of strong days can heavily affect long‑term outcomes. Past results, however, never guarantee future performance.

Projection Info

The Monte Carlo projection simulates 1,000 alternative 15‑year futures, using historical returns and volatility as a guide. Monte Carlo is basically a “what if” engine, randomly mixing many possible paths to see a distribution of outcomes instead of one forecast. Here, the median ending value for €1,000 is about €2,762, with a middle half range of roughly €1,831–€4,266. The wide 5th–95th percentile span (€1,041–€7,687) shows just how uncertain long‑term equity results can be, even when averages look attractive. An average simulated annual return of 8.14% highlights growth potential, while the 74.6% probability of a positive outcome reminds that a meaningful chance of ending roughly flat or worse still exists in more stressed scenarios.

Asset classes Info

  • Stocks
    100%

All of the portfolio sits in stocks, with no allocation to bonds, cash, or alternatives. Equities historically offer higher potential returns but also sharper ups and downs than more defensive assets. Many global “balanced” blends mix stocks with bonds to smooth volatility; here, the risk classification “balanced investors” is driven by ETF mix rather than a traditional stock‑bond split. Being 100% in equities means portfolio value will be highly sensitive to company earnings cycles, interest-rate shifts, and risk sentiment. On the other hand, using diversified stock ETFs spreads that risk across many underlying companies, rather than concentrating it in a small stock list, which helps reduce the impact of any single company setback.

Sectors Info

  • Technology
    29%
  • Health Care
    21%
  • Financials
    12%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

The sector breakdown shows clear tilts: technology at 29% and health care at 21% together make up roughly half of the portfolio, while financials, industrials, and consumer sectors are present but meaningfully smaller. This setup is more growth and innovation‑oriented than a typical global market index, which usually has a lower combined weight in tech and health care. Tech‑heavy allocations often benefit during periods of low interest rates and digital adoption booms but can experience sharper pullbacks when rates rise or sentiment turns. Health care exposure can sometimes offer defensive qualities due to steady demand, yet individual companies may still react strongly to regulation, patents, and clinical results, adding a different pattern of risk.

Regions Info

  • North America
    63%
  • Europe Developed
    35%
  • Japan
    1%

Geographically, about 63% of the portfolio sits in North America, 35% in developed Europe, and around 1% in Japan. That means exposure is more US‑tilted than a typical global equity index, where the US is large but not quite this dominant. This bias has been beneficial over the last decade as US markets outperformed many regions. At the same time, it concentrates risk in one major economy, currency, and policy environment, even though underlying companies often earn revenues globally. The sizeable European allocation, via EURO STOXX 50 and FTSE 100 trackers, diversifies some of that, adding exposure to different economic cycles, sector mixes, and regulatory regimes, but the portfolio still clearly leans toward North American market behaviour overall.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    31%
  • Mid-cap
    15%

Market capitalization exposure is dominated by mega‑caps at 52% and large‑caps at 31%, with mid‑caps at 15% and very little in smaller companies. Mega‑caps are the largest firms in the market and tend to be more liquid, widely followed, and often more stable than smaller peers. This structure means performance is heavily driven by global giants rather than emerging success stories further down the size spectrum. Compared with a broad world index, this large‑cap focus is quite aligned, which is positive for tracking mainstream equity trends. However, it also means less direct exposure to the distinct growth and volatility patterns that small‑cap stocks sometimes bring, making returns more tied to how a relatively small group of global leaders performs.

True holdings Info

  • NVIDIA Corporation
    3.96%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • SPDR® MSCI World UCITS ETF EUR
    • Vanguard S&P 500 UCITS Acc
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Apple Inc.
    3.68%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • SPDR® MSCI World UCITS ETF EUR
    • Vanguard S&P 500 UCITS Acc
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Microsoft Corporation
    2.30%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • SPDR® MSCI World UCITS ETF EUR
    • Vanguard S&P 500 UCITS Acc
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Amazon.com Inc
    2.02%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • SPDR® MSCI World UCITS ETF EUR
    • Vanguard S&P 500 UCITS Acc
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Micron Technology Inc
    1.93%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • SPDR® MSCI World UCITS ETF EUR
    • Vanguard S&P 500 UCITS Acc
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Eli Lilly and Company
    1.73%
    Part of fund(s):
    • iShares MSCI World Health Care Sector ESG UCITS ETF USD Inc
  • Alphabet Inc Class A
    1.69%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • SPDR® MSCI World UCITS ETF EUR
    • Vanguard S&P 500 UCITS Acc
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • AstraZeneca PLC
    1.61%
    Part of fund(s):
    • iShares Core FTSE 100 UCITS ETF GBP (Dist)
    • iShares MSCI World Health Care Sector ESG UCITS ETF USD Inc
  • ASML Holding N.V.
    1.56%
    Part of fund(s):
    • iShares II Public Limited Company - iShares EURO STOXX 50 UCITS ETF
  • Alphabet Inc Class C
    1.46%
    Part of fund(s):
    • Invesco EQQQ NASDAQ-100 UCITS ETF
    • SPDR® MSCI World UCITS ETF EUR
    • Vanguard S&P 500 UCITS Acc
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Top 10 total 21.93%

Looking through ETF top‑10 holdings, several names repeat across funds, creating hidden concentration. NVIDIA, Apple, and Microsoft together account for roughly 9.9% of the portfolio, while Amazon, Alphabet (both share classes), Eli Lilly, ASML, AstraZeneca, and Micron add further overlap in leading tech and health care stocks. Because only top‑10 positions are captured, true overlap is likely higher. This kind of repetition is normal in global, US, and NASDAQ‑focused ETFs, as they all tend to hold the same dominant companies. The result is that a relatively small set of mega‑cap firms has an outsized influence on performance, even though the portfolio appears highly diversified at the fund level.

Risk contribution Info

  • iShares NASDAQ 100 UCITS ETF USD (Acc)
    Weight: 14.00%
    17.1%
  • iShares II Public Limited Company - iShares EURO STOXX 50 UCITS ETF
    Weight: 15.00%
    16.3%
  • Invesco EQQQ NASDAQ-100 UCITS ETF
    Weight: 14.00%
    15.6%
  • Vanguard S&P 500 UCITS Acc
    Weight: 14.00%
    14.7%
  • SPDR® MSCI World UCITS ETF EUR
    Weight: 14.00%
    14.2%
  • Top 5 risk contribution 77.8%

Risk contribution shows how much each holding adds to overall volatility, which can differ from its weight. Here, the two NASDAQ‑100 ETFs and the EURO STOXX 50 ETF are slightly outsized risk drivers: together they represent 43% of capital but roughly 49% of total risk. The iShares NASDAQ 100 ETF, at 14% weight, contributes about 17.1% of risk, giving it a risk‑to‑weight ratio of 1.22. This indicates that growth‑oriented and regional‑concentrated indexes tend to be more volatile than broader world funds. By contrast, the SPDR MSCI World ETF’s risk contribution is close to its weight, reflecting its diversified nature. This pattern highlights how similar‑sized positions can play very different roles in overall portfolio swings.

Redundant positions Info

  • Vanguard S&P 500 UCITS Acc
    SPDR® MSCI World UCITS ETF EUR
    High correlation
  • Invesco EQQQ NASDAQ-100 UCITS ETF
    iShares NASDAQ 100 UCITS ETF USD (Acc)
    High correlation

The correlation data shows some ETFs move almost identically, especially the SPDR MSCI World ETF with the Vanguard S&P 500 fund, and the two NASDAQ‑100 ETFs with each other. Correlation measures how often and how closely assets move together; high correlation limits diversification because gains and losses happen at the same time. Holding multiple highly correlated funds can still have benefits, such as different providers, currencies, or index methodologies, but won’t significantly change the pattern of returns. In this portfolio, the presence of paired, near‑duplicate exposures means effective diversification is a bit lower than the number of line items suggests, since several positions mainly echo the same underlying groups of large US and global stocks.

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 efficient frontier chart, the current portfolio sits below the curve, with a Sharpe ratio of 0.61 compared with 0.87 for the optimal mix using the same holdings. The Sharpe ratio is a simple way to compare risk‑adjusted returns, showing how much excess return is earned per unit of volatility above a risk‑free rate. Being about 1.05 percentage points below the efficient frontier at the current risk level means a different weighting of these same ETFs could, in theory, improve the balance between risk and return. The minimum variance portfolio on the chart has lower risk but also lower expected return, showing there is a range of trade‑offs available simply by reshuffling current components.

Dividends Info

  • iShares MSCI World Health Care Sector ESG UCITS ETF USD Inc 1.40%
  • Weighted yield (per year) 0.21%

The indicated total portfolio yield of around 0.21% per year suggests income plays only a small role here, with most expected return coming from price changes rather than cash payouts. One ETF, the global health care fund, shows a yield of 1.40%, but this is modest and only covers a fraction of the overall allocation. For equity‑heavy portfolios tilted toward growth and NASDAQ‑style indexes, lower yields are common because many underlying companies reinvest profits instead of distributing them. Dividends can provide stability and a small cushion in downturns, but in this structure, they’re more of a minor bonus than a central driver of long‑term performance or cash flow.

Ongoing product costs Info

  • iShares MSCI World Health Care Sector ESG UCITS ETF USD Inc 0.18%
  • iShares II Public Limited Company - iShares EURO STOXX 50 UCITS ETF 0.10%
  • SPDR® MSCI World UCITS ETF EUR 0.12%
  • iShares NASDAQ 100 UCITS ETF USD (Acc) 0.36%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Invesco EQQQ NASDAQ-100 UCITS ETF 0.35%
  • iShares Core FTSE 100 UCITS ETF GBP (Dist) 0.20%
  • Weighted costs total (per year) 0.20%

The portfolio’s average ongoing cost, or Total Expense Ratio (TER), is about 0.20% per year across the ETFs. TER is the annual fee charged by funds to cover management and operations, quietly deducted from returns. Here, costs are impressively low, with several core funds around or below 0.12%, and only the NASDAQ‑100 ETFs charging more in the mid‑0.3% range. Over long periods, small differences in fees can compound into meaningful amounts, so keeping the blended cost near 0.20% is a structural strength. It means more of the portfolio’s gross return is kept by the investor, which supports better long‑term outcomes compared with higher‑fee active strategies tracking similar markets.

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