Balanced global equity portfolio with strong factor tilts and solid long term growth potential

Report created on Apr 14, 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 pure equity mix built from five broad ETFs, with no bonds or cash buffer. Around half sits in two global “core” funds, while the other half is split across three factor strategies focusing on value and momentum styles. This gives a blend of broad market exposure and more targeted tilts, all wrapped in diversified funds rather than single stocks. A 100% stock allocation will move up and down more than a mix including bonds, but it also offers higher growth potential over long periods. For a balanced-risk label, this leans toward the growthy side, so short-term swings are very normal here.

Growth Info

Over the recent period, €1,000 grew to about €1,629, which is a very strong result. The portfolio’s CAGR, or Compound Annual Growth Rate, of roughly 22% per year beat both the US and global market benchmarks by about 4 percentage points annually. Max drawdown, meaning the worst peak-to-trough fall, was just under -20%, actually a bit milder than the benchmarks. That’s impressive: stronger returns with slightly smaller worst dips. Only 21 days made up 90% of returns, showing how a few big days drive long-term outcomes. Past performance can’t be relied on forever, but this track record suggests the structure has worked well so far.

Projection Info

The Monte Carlo simulation looks ahead 15 years by remixing patterns from past returns into thousands of possible futures. It’s like running 1,000 alternate timelines to see a range of outcomes rather than one straight-line forecast. The median result turns €1,000 into about €2,740, with a broad “likely” band from roughly €1,800 to €4,200, and more extreme cases going much higher or near flat. The average simulated annual return is around 8.3%. About three-quarters of simulations finish positive, but a quarter don’t, which underlines that risk never disappears. These simulations depend on history repeating, so they’re best seen as a rough weather forecast, not a guarantee.

Asset classes Info

  • Stocks
    100%

All of the money is invested in stocks, with no bonds, cash, or alternative assets in the mix. Equities are the main growth engine in most portfolios, but they also bring the largest swings in value, especially around recessions or interest-rate shocks. Many “balanced” reference portfolios might hold only 40–70% in stocks, with the rest in steadier assets that cushion drawdowns. Here, diversification comes from holding many companies and regions rather than from mixing different asset classes. That’s perfectly fine for a growth-focused approach, but it means the ride can be bumpy. Anyone using this setup needs to be comfortable seeing sizeable temporary drops without reacting emotionally.

Sectors Info

  • Technology
    27%
  • Financials
    19%
  • Industrials
    12%
  • Consumer Discretionary
    8%
  • Health Care
    8%
  • Telecommunications
    7%
  • Basic Materials
    5%
  • Energy
    5%
  • Consumer Staples
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, the portfolio leans toward technology at about 27%, with financials and industrials next in line. This is broadly similar to global equity benchmarks, perhaps slightly tilted further toward tech because of those large US growth names on top. A higher tech share often boosts returns when innovation and earnings growth are strong, but can be more sensitive when interest rates rise or when markets rotate into more defensive areas. The exposure to financials and industrials adds some balance by tying part of the portfolio to economic cycles and real-world activity. Overall, this sector mix is well-balanced and aligns closely with global standards, which is a good diversification signal.

Regions Info

  • North America
    51%
  • Europe Developed
    24%
  • Asia Developed
    10%
  • Asia Emerging
    7%
  • Japan
    4%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, just over half the portfolio sits in North America, with around a quarter in developed Europe and the rest spread across developed Asia, emerging Asia, Japan, and smaller regions. This is reasonably close to global market weights, where the US is dominant but not everything. That strong North American tilt has helped in recent years, as US markets outpaced many others, but it also means a lot of your fortunes are tied to one economy and currency. The meaningful allocations to Europe and various Asian regions improve diversification and reduce reliance on a single market. This geographic spread is broadly diversified and well aligned with global market practice.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    37%
  • Mid-cap
    14%

Most of the exposure is in mega-cap and large-cap companies, with about 85% in these size buckets and only 14% in mid-caps. Market capitalization, or “market cap,” just means the total value of a company on the stock market, and larger firms usually have more stable businesses and better access to financing. A tilt to mega- and large-caps typically brings lower volatility and higher liquidity compared with smaller, more speculative firms. Mid-cap exposure adds a bit of extra growth potential and diversification without the extreme swings of tiny companies. The size mix here is quite similar to standard global indices, which supports a steady, benchmark-like risk profile.

True holdings Info

  • NVIDIA Corporation
    3.40%
    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
    2.95%
    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.
    2.19%
    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
  • Microsoft Corporation
    2.09%
    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
    1.67%
    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 A
    1.37%
    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
    1.20%
    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
    1.13%
    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.
    1.02%
    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
  • Tesla Inc
    0.79%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 17.79%

Looking through the ETFs’ top holdings, the largest underlying positions are big global names like Nvidia, Apple, Microsoft, Amazon, and the Alphabet share classes. Each appears across several funds, so even though you don’t own the stocks directly, there’s hidden concentration in these mega-cap growth leaders. For example, Nvidia alone totals about 3.4% and Apple nearly 3%, mainly via the broad global and US funds. Overlap is likely understated because only ETF top-10 lists are used. This kind of concentration is normal in global indices but worth understanding: when these giants have a strong or weak year, the whole portfolio feels it quite clearly.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 40.00%
    39.8%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 20.00%
    20.6%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    15.5%
  • iShares Edge MSCI Europe Momentum Factor UCITS ETF EUR (Acc)
    Weight: 15.00%
    15.1%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    9.1%

Risk contribution shows how much each holding actually drives the portfolio’s ups and downs, which can differ from simple weights. Here, the risk share of each ETF is very close to its allocation: the main global fund is 40% of the money and about 40% of the risk, and the US ETF is 20% of both. Even the factor funds line up fairly neatly, with only small differences. That tells you there’s no single holding secretly dominating the volatility, which is a healthy sign. The top three funds still drive around three-quarters of total risk, but that’s expected given they’re three-quarters of the portfolio by weight. Overall, risk is spread sensibly across positions.

Redundant positions Info

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

The correlation data highlights that the S&P 500 ETF and the global ACWI ETF move almost identically over time. Correlation measures how much two assets move together, from -1 (opposite) to +1 (in lockstep). When two holdings are very highly correlated, owning both doesn’t add much diversification in rough markets, even if their names differ. Here, the S&P 500 is such a big part of the global index that this near-duplication is normal. It still has value for tilting slightly more toward the US, but it won’t dramatically smooth out the ride. The real diversification benefits come from the non-US and factor exposures around those two big core funds.

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 that, using the same holdings but different weights, you could sit closer to the “efficient frontier.” The efficient frontier is the curve of portfolios that deliver the best possible return for each level of risk. Right now, the portfolio’s Sharpe ratio, a measure of risk-adjusted return, is 1.26, while the best mix of these funds reaches about 1.73. That means, at roughly the same volatility, there’s room to squeeze more expected return just by reweighting, no new products required. Even the minimum-variance mix has a higher Sharpe than the current one. So the building blocks are strong; it’s mainly the exact proportions that could be fine-tuned.

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) 0.31%

The weighted ongoing cost, or TER (Total Expense Ratio), of about 0.31% per year is quite competitive for an equity portfolio built from factor and global ETFs. TER is the annual fee taken by the fund provider, a bit like a small management charge baked into the price each day. Keeping this number low matters because fees come off every year, and small differences compound into large amounts over decades. Given that some holdings are more specialized factor products, the overall cost is impressively low and supports better long-term performance. This cost level is a real strength of the setup and is fully in line with low-cost investing best practices.

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