Broad equity portfolio blending global market exposure with tilts toward momentum and value factors

Report created on Apr 7, 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 a straight‑equity mix built entirely from five broad ETFs, with no bonds or cash. Two core building blocks dominate: one tracking large US companies and one tracking the global market, together at 60%. Around them sit three “smart beta” funds that tilt toward momentum in one case and value in two others, across Europe, emerging markets, and the wider world. This structure is simple yet thoughtful: a diversified core plus targeted tilts. A setup like this is well suited to anyone who wants long‑term stock growth with only a modest layer of complexity. It also makes ongoing management easier because you’re working with just a handful of diversified positions.

Growth Info

Over the period from late 2023 to early 2026, €1,000 grew to about €1,566, a compound annual growth rate (CAGR) of 20.25%. CAGR is the “average speed” of growth per year, smoothing the ups and downs. That’s meaningfully ahead of both the US market and the global market, which were roughly 3 percentage points per year slower. Max drawdown—your biggest peak‑to‑trough fall—was about -19.9%, a bit milder than the benchmarks. So historically, you’ve been paid nicely for the risk taken. Just remember this is a short, strong period for equities; past performance over only a couple of years can easily reverse and shouldn’t be seen as a guarantee.

Projection Info

The Monte Carlo projection uses many simulated paths based on historical returns and volatility to estimate future outcomes. Think of it as running the last few years’ “weather” thousands of times with slight variations to see a range of possible futures. Here, the median outcome for €1,000 over 15 years is about €2,733, implying an annualized return around 8%. The central band suggests a decent chance of doubling to quadrupling capital, but with some paths barely breaking even. This shows equities can be rewarding over long periods but with wide uncertainty. Because simulations lean on past data, they can’t foresee structural shifts, policy changes, or unusual crises that don’t resemble history.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, so there’s no built‑in stabilizer from bonds or cash. That’s a deliberate choice: stocks are the main engine of long‑term growth, but they also bring sharper swings, especially during recessions or rate shocks. A 100% equity setup typically sits on the growthier side for a “balanced” risk label, which often mixes in some bond exposure. The upside is strong participation when markets do well. The downside is that during deep downturns, there’s little to cushion the fall. Anyone using a structure like this needs an investment horizon of at least 7–10 years and an emotional tolerance for significant short‑term losses without being forced to sell.

Sectors Info

  • Technology
    26%
  • Financials
    19%
  • Industrials
    13%
  • Health Care
    8%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    4%
  • Real Estate
    2%

Sector exposure is fairly broad, with technology at about 26% and financials around 19%, then a mix of industrials, health care, consumer areas, telecoms, and smaller slices elsewhere. This looks quite similar to many global equity benchmarks, which generally lean toward tech and financials due to their large market sizes. A tech‑heavy tilt can boost returns when innovation and growth stocks are favored, but can increase volatility if interest rates rise or sentiment flips against high‑growth names. The balance across other sectors helps smooth things somewhat: defensive areas like health care and utilities can sometimes hold up better in downturns, even if they lag in strong bull markets.

Regions Info

  • North America
    54%
  • Europe Developed
    27%
  • Asia Developed
    7%
  • Asia Emerging
    5%
  • Japan
    4%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographic diversification is a real strength here. Roughly 54% is in North America, 27% in developed Europe, and the rest spread across developed Asia, Japan, and emerging regions. That’s reasonably close to global market weights, with perhaps a mild home‑region lean toward Europe, which is natural for a European investor. This allocation is well‑balanced and aligns closely with global standards, which is beneficial because it reduces dependence on any single economy or currency. It also means you participate in growth from different regions over time. The flip side is you’re exposed to global equity cycles overall, so when most regions fall together, diversification can’t fully prevent portfolio drawdowns.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    37%
  • Mid-cap
    14%

The portfolio is dominated by mega‑cap and large‑cap companies, with almost half in the very largest firms and over a third in the next tier down. Mid‑caps take up the remaining slice and there’s essentially no small‑cap exposure. Large firms usually have more diversified businesses, steadier earnings, and better access to capital, which can temper extreme volatility. They also tend to be the most widely researched and efficiently priced. The trade‑off is that you may miss some of the higher growth potential—and higher risk—found in smaller companies. For many investors, a large‑cap‑tilted structure like this is a solid default because it keeps risk more manageable while still capturing global equity returns.

True holdings Info

  • NVIDIA Corporation
    3.52%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    3.19%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.33%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    1.66%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.51%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Alphabet Inc Class A
    1.48%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.21%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.21%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.15%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Banco Santander S.A.
    1.01%
    Part of fund(s):
    • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc)
  • Top 10 total 18.26%

Looking through the ETFs, the biggest underlying exposures are mega US and global names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet, with single‑name weights around 1–3.5%. Several of these appear in multiple ETFs, so their true influence is higher than it looks in any one fund. This kind of overlap creates hidden concentration: when the same giants show up everywhere, they quietly drive a big share of returns and risk. The good news is that these are typically very liquid, well‑researched companies. The trade‑off is that your performance is more tied to how a relatively small group of global leaders behaves, especially in tech and communication‑related areas.

Risk contribution Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 30.00%
    31.5%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 30.00%
    29.9%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc)
    Weight: 20.00%
    19.9%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.7%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    9.0%

Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the S&P 500 and ACWI funds each weigh 30% and contribute roughly 30% of total risk each—very proportional. The momentum and value satellites together make up 40% of weight and around 39% of risk, again quite balanced. The top three positions still account for over 80% of the risk, but that’s natural when they also dominate the allocation. This is a sign that position sizing is consistent with intended importance. If at some point you wanted a more “satellite‑driven” profile, you’d tilt more weight into the factor ETFs so they influence risk more strongly.

Redundant positions Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    High correlation

The correlation data highlight that the S&P 500 ETF and the global ACWI ETF move almost identically. Correlation measures how often two assets move together: a value near 1 means they tend to rise and fall in tandem. That’s not surprising, since the US is a big chunk of the global index. The implication is that, while both funds are diversified on their own, holding them side by side doesn’t add as much diversification as their different labels suggest. They function more as a core “blend” than two independent risk sources. True diversification tends to come more from the factor‑tilted and emerging markets pieces, which behave somewhat differently across cycles.

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 risk‑return chart shows your current mix has an annualized return of about 19.4% with volatility around 13.3%, giving a Sharpe ratio of 1.16. The Sharpe ratio measures return per unit of risk above a risk‑free rate: higher means more efficient use of risk. The optimal portfolio using just these existing ETFs has a much higher Sharpe (1.64), with slightly more risk but significantly more expected return. The minimum‑variance mix also beats the current Sharpe. Because the current portfolio sits below the efficient frontier by almost 3 percentage points at its risk level, simply reweighting these same five funds could improve the balance between risk and return without adding new products.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc) 0.25%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.26%

The total expense ratio (TER) across the portfolio averages around 0.26% per year, which is impressively low for a mix that includes factor ETFs. TER is the annual fee charged by a fund as a percentage of assets; lowering it is like shaving friction off a machine—more of the return stays with you. Some individual funds are slightly pricier, especially the global ACWI ETF at 0.45%, but overall, the blended cost compares favorably with many actively managed options and even some passive ones. Keeping fees at this level supports better long‑term outcomes because small percentage differences compound into meaningful amounts over decades.

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