This portfolio has only about 1.4 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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Globally diversified stock heavy portfolio with modest bonds gold and bitcoin satellite positions

Report created on Jun 29, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is mainly a global equity mix, with about 85% in stocks spread across large, mid, and small companies worldwide. Around 7% sits in gold, 5% in short term government bonds, and 3% in bitcoin. The core building blocks are broad index ETFs, so the structure is rules based rather than stock picking. This matters because most of the risk and potential return comes from equities, while gold, bonds, and crypto add different behaviour patterns. With only about 1.4 years of history, any conclusions about how these pieces interact are still early, but the layout already shows a classic “equity core plus diversifiers” design rather than a narrow or concentrated bet.

Growth Info

Over the roughly 1.4 year period, €1,000 grew to about €1,214, giving a portfolio CAGR of 14.71%. CAGR, or compound annual growth rate, is like calculating your average speed on a road trip, smoothing out bumps. The portfolio outpaced both the US market and a global market benchmark on this short sample, while also having a shallower maximum drawdown than each. The worst decline was about -18.9%, followed by a recovery in roughly five months. Only eight days delivered 90% of total gains, showing results were driven by a handful of strong sessions. With such a limited period, this performance is interesting but not yet a reliable guide to long term behaviour.

Projection Info

The Monte Carlo projection uses the short historical record to simulate 1,000 different 15 year paths, introducing randomness around past returns and volatility. Think of it as re shuffling the recent pattern many times to see a range of possible futures, not a prediction. The median outcome turns €1,000 into about €2,625, with a wide likely band from roughly €1,852 to €3,853. Extreme scenarios stretch even further. The average simulated annual return is 7.63%, but this figure leans heavily on only 1.4 years of inputs, which makes it fragile. Any shift in market conditions or factor behaviour could change these ranges quite a lot over a real 15 year period.

Asset classes Info

  • Stocks
    85%
  • Other
    7%
  • Bonds
    5%
  • Crypto
    3%

Asset class allocation is clearly equity focused: 85% stocks, with smaller slices in gold, short term bonds, and bitcoin. Compared with typical global multi asset mixes, this is on the stock heavy side, closer to a growth oriented balance than a defensive one. Stocks tend to be the main driver of long term growth but also of drawdowns, while bonds usually act as stabilisers and gold often behaves differently in stress periods. Bitcoin can be very volatile and may swing independently of traditional markets. Because the lookback is short, this period might not show full stress interactions between these assets, but the structure suggests equity risk will dominate most outcomes, with other assets providing only modest cushioning or extra spice.

Sectors Info

  • Technology
    27%
  • Financials
    13%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Energy
    3%
  • Crypto
    3%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is broadly spread, with technology the largest slice at 27%, followed by financials, industrials, consumer discretionary, telecoms, and health care. This is somewhat tech heavy, especially when combined with the dedicated NASDAQ 100 ETF, which tilts toward growth and innovation driven businesses. Tech heavy mixes can do very well when growth stocks are in favour, but they may feel sharper swings during periods of rising interest rates or when investors shift toward more defensive areas. Compared with many broad market benchmarks, the overall sector pattern still looks reasonably balanced, which is a positive sign. The short performance window, however, mainly reflects one market phase and doesn’t capture how this sector mix behaves across a full cycle.

Regions Info

  • North America
    49%
  • Europe Developed
    13%
  • Asia Developed
    8%
  • Japan
    5%
  • Asia Emerging
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, around 49% is in North America, with meaningful allocations to developed Europe, developed Asia, Japan, and emerging regions. That puts North America below its roughly 60%+ share in many global indices, while giving a clearer role to non US developed and emerging markets. This alignment with global diversification principles is a strength, reducing dependence on a single economy or currency. It also means results will be influenced by different interest rate regimes, political systems, and growth patterns around the world. Because only about 1.4 years are observed, regional leadership in this period may not match longer term norms, so any apparent “best” region in the chart should be treated as a short term snapshot rather than a structural conclusion.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    26%
  • Mid-cap
    13%
  • Small-cap
    5%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio leans strongly toward mega cap and large cap companies, with smaller slices in mid, small, and micro caps. This reflects its use of broad indices plus a dedicated small cap ETF. Large companies often bring more stability and liquidity, while smaller ones can be more volatile but sometimes more sensitive to economic growth. This spread across sizes helps smooth out the extremes of a pure small cap bet while still including that return driver. Compared with a pure global large cap index, there is a bit more exposure to the smaller end, which can add diversification. Still, in day to day moves, mega and large caps are likely to be the main engines, especially over such a short measurement window.

True holdings Info

  • NVIDIA Corporation
    3.22%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Apple Inc.
    2.81%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.17%
    Part of fund(s):
    • Amundi Index Solutions - Amundi Index MSCI Emerging Markets UCITS ETF DR
  • Microsoft Corporation
    2.07%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Amazon.com Inc
    1.72%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class A
    1.41%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Broadcom Inc
    1.32%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Alphabet Inc Class C
    1.18%
    Part of fund(s):
    • iShares Core S&P 500 UCITS ETF USD (Acc)
    • iShares NASDAQ 100 UCITS ETF USD (Acc)
  • Samsung Electronics Co Ltd
    1.17%
    Part of fund(s):
    • Amundi Index Solutions - Amundi Index MSCI Emerging Markets UCITS ETF DR
  • SK Hynix Inc
    0.99%
    Part of fund(s):
    • Amundi Index Solutions - Amundi Index MSCI Emerging Markets UCITS ETF DR
  • Top 10 total 18.07%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, the largest identifiable underlying exposures include NVIDIA, Apple, TSMC, Microsoft, Amazon, and Alphabet classes A and C. These are all recurring names appearing in multiple funds, especially those tracking broad US or global indices and the NASDAQ 100. This creates “hidden” concentration: the direct weights of the ETFs look diversified, but some of the same companies sit underneath several layers. Because only ETF top ten holdings are captured, actual overlap is likely higher than shown. This concentration in a cluster of large global technology and platform businesses can strongly influence returns, particularly over short horizons like 1.4 years when a few stocks may dominate index performance.

Risk contribution Info

  • iShares Core S&P 500 UCITS ETF USD (Acc)
    Weight: 30.00%
    32.2%
  • iShares MSCI World ex-USA UCITS ETF USD (Acc)
    Weight: 20.00%
    18.0%
  • Amundi Index Solutions - Amundi Index MSCI Emerging Markets UCITS ETF DR
    Weight: 15.00%
    17.7%
  • iShares NASDAQ 100 UCITS ETF USD (Acc)
    Weight: 10.00%
    13.2%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    11.0%
  • Top 5 risk contribution 92.1%

Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its weight, like a single loud drum dominating a band. Here, the S&P 500 ETF is 30% of the portfolio but contributes about 32% of total risk. Emerging markets at 15% weight contribute nearly 18% of risk, and the NASDAQ 100 at 10% weight contributes over 13% of risk. Together, the top three positions drive about 68% of portfolio risk. That’s not extreme, but it does mean the portfolio’s experience is heavily shaped by these core equity blocks. Bonds, gold, and bitcoin appear too small here to dramatically change the risk picture, especially over such a short, mostly benign market period.

Redundant positions Info

  • iShares Core S&P 500 UCITS ETF USD (Acc)
    iShares NASDAQ 100 UCITS ETF USD (Acc)
    High correlation

Correlation measures how assets move together, from +1 (almost identical) to -1 (move in opposite directions). In this portfolio, the S&P 500 ETF and NASDAQ 100 ETF have moved almost identically, which makes sense since both focus on large US growth companies with big tech weightings. When two holdings are highly correlated, holding more of both doesn’t add much diversification; it mainly increases exposure to the same underlying pattern. Over 1.4 years, correlations can be unstable and might not reflect crisis behaviour, when many assets suddenly move together. Still, this reading suggests that, for now, those two funds act more like a combined US growth block than two independent risk sources.

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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The risk vs return chart plots the current portfolio against an “efficient frontier,” which is the best trade off between risk and return achievable by reweighting the existing holdings only. The Sharpe ratio, a measure of return per unit of risk after adjusting for a risk free rate, is 0.73 for the current mix. The optimal mix of these same assets has a much higher Sharpe of 1.61, while the minimum variance mix has very low return and risk. The current portfolio sits about 8.85 percentage points below the frontier at its risk level, meaning the same building blocks could, in theory, be combined differently for a better historical trade off. Because this analysis rests on just 1.4 years of data, its guidance on “optimal” weights should be seen as tentative.

Ongoing product costs Info

  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • iShares Core S&P 500 UCITS ETF USD (Acc) 0.07%
  • iShares NASDAQ 100 UCITS ETF USD (Acc) 0.33%
  • iShares MSCI World ex-USA UCITS ETF USD (Acc) 0.15%
  • Invesco Physical Gold ETC 0.12%
  • Xtrackers II - US Treasuries 1-3 UCITS ETF 0.06%
  • Weighted costs total (per year) 0.13%

The portfolio’s total TER, or total expense ratio, is about 0.13% per year, which is impressively low for a globally diversified mix with satellites in small caps, emerging markets, gold, and short term bonds. TER is like a quiet annual subscription fee built into each fund’s price. Lower ongoing costs leave more of any gross return in the investor’s hands and compound favourably over time. Compared with many actively managed or niche products, this cost level aligns well with best practices for broad index investing. Over just 1.4 years, the visible impact of fees is modest, but over decades even small differences in TER can add up, so this lean fee structure is a meaningful strength of the portfolio.

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