Concentrated global equity mix with strong technology tilt and efficient but growth oriented risk level
Report created on Mar 23, 2026Risk 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
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EU iShares Core MSCI World UCITS ETF USD (Acc) EUR
EUNL - IE00B4L5Y983 87.66% -
QD iShares S&P 500 USD Information Technology Sector UCITS
QDVE - IE00B3WJKG14 12.34%
The structure is very simple: two equity ETFs and nothing else. Around 88% sits in a broad global equity fund, while roughly 12% overlays a focused US technology sector ETF. That means every euro is in stocks, with no bonds or cash buffer. This kind of “all equity” build is powerful for long-term growth but naturally comes with larger ups and downs along the way. The simplicity is actually a strength from an admin and monitoring point of view. The main question to think about is whether a 100% stock allocation, plus an extra tech tilt, still feels comfortable across full market cycles and potential multi‑year downturns.
Growth
Historically, €1,000 grew to about €3,588, a 14.02% compound annual growth rate (CAGR). CAGR is the “average speed” of growth per year, smoothing all the bumps. This beat the global market’s 11.11% but trailed the US market’s very strong 19.93%. The portfolio’s worst drop (max drawdown) was about -33%, similar to the global market and much deeper than the US reference. This shows the strategy has rewarded risk with solid long‑term returns, but not the spectacular run of pure US exposure. As always, past performance is no guarantee; the last decade was unusually favorable for certain regions and styles.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate 1,000 possible 10‑year paths for a €1,000 investment. Think of it as running many “what if” futures based on historical behavior, not as a prediction. The median scenario shows very strong cumulative gains (over 900%), and even the pessimistic 5th percentile still more than doubles capital. All simulations ended positive, and the average simulated annual return is high at 19.22%. That said, simulations can be overly optimistic if recent years were exceptional; markets rarely move in straight lines, and structural changes can make the future look very different from the past.
Asset classes
- Stocks 100%
All assets are in a single class: stocks. There is no allocation to bonds, cash, or alternatives like real estate funds or commodities. A 100% equity mix is aggressive and usually fits investors with long horizons and high tolerance for volatility. The upside is maximum participation in global corporate growth; the downside is that there is no built‑in stabilizer when markets fall sharply. Compared with more traditional “balanced” mixes that combine stocks and bonds, this structure will swing more but also has higher long‑run return potential. If smoother ride and capital preservation in downturns matter more, introducing at least one defensive asset class can help.
Sectors
- Technology 36%
- Financials 14%
- Industrials 10%
- Health Care 8%
- Consumer Discretionary 8%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is clearly tech‑heavy at about 36%, on top of the broad global spread across financials, industrials, healthcare, consumer areas, energy, materials, utilities, and real estate. That tilt is stronger than in typical global benchmarks, reflecting the dedicated US information technology ETF. Tech’s growth characteristics have been a huge driver of returns, but this sector is also sensitive to interest‑rate expectations and sentiment shifts around innovation. In periods of rising rates or profit disappointments, tech‑tilted portfolios can see sharper drawdowns than more evenly spread mixes. The rest of the sectors provide some diversification, but tech will likely remain the main performance driver.
Regions
- North America 77%
- Europe Developed 14%
- Japan 5%
- Australasia 2%
- Asia Developed 1%
Geographically, the portfolio is dominated by North America at about 77%, with smaller slices in developed Europe, Japan, Australasia, and a touch of other developed Asia. This is broadly similar to many global equity indexes, which are also US‑heavy, and that alignment is a positive sign of modern market realism. The strong North American weight has helped over the last decade, as US companies, especially in tech, have outperformed. The flip side is that outcomes are closely tied to one region’s economic and policy environment. Investors seeking more balance might eventually add exposure to under‑represented regions to reduce reliance on one economic bloc.
Market capitalization
- Mega-cap 51%
- Large-cap 33%
- Mid-cap 15%
By market capitalization, the portfolio leans strongly into the largest companies: about half in mega‑caps, a third in big caps, and the rest in mid‑caps. This is very close to a typical global index structure and is generally considered well diversified by company size. Large firms tend to be more stable and liquid, which can reduce idiosyncratic risk compared with concentrating in small, more volatile businesses. The trade‑off is less exposure to the small‑cap segment, which historically has sometimes offered higher long‑term returns but with bigger swings. For many investors, this large‑cap focus is a comfortable and sensible core.
True holdings
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NV NVIDIA Corporation 7.21%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- iShares S&P 500 USD Information Technology Sector UCITS
-
AA Apple Inc 6.27%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- iShares S&P 500 USD Information Technology Sector UCITS
-
MS Microsoft Corporation 4.80%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- iShares S&P 500 USD Information Technology Sector UCITS
-
AV Broadcom Inc 2.49%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- iShares S&P 500 USD Information Technology Sector UCITS
-
AM Amazon.com Inc 2.08%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class A 1.86%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
GO Alphabet Inc Class C 1.56%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
ME Meta Platforms Inc. 1.45%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
TS Tesla Inc 1.17%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- iShares Core MSCI World UCITS ETF USD (Acc) EUR
-
LL Eli Lilly and Company 0.86%
Part of fund(s):- iShares Core MSCI World UCITS ETF USD (Acc) EUR
- Top 10 total 29.75%
Looking through the ETFs, the top underlying exposures cluster heavily in the biggest US tech and growth names: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Eli Lilly. Several of these likely appear in both ETFs, so hidden overlap increases concentration in a handful of mega‑caps. Because only top‑10 ETF holdings are used, actual overlap is almost certainly higher. This concentration can supercharge returns when these giants do well, but also ties portfolio outcomes closely to their fortunes. It is worth deciding whether this level of reliance on a small set of global leaders is intentional or simply a by‑product of the chosen building blocks.
Factors
Factor exposure highlights strong tilts toward yield, momentum, and size. Factors are like underlying “personality traits” of investments that research links to long‑term returns. A high momentum tilt means the portfolio leans into stocks that have been doing well recently, which can boost returns in strong, trending markets but hurt during sharp reversals. The yield tilt shows a preference for companies returning cash to shareholders, potentially adding some defensive qualities and income‑related stability. Size exposure indicates some bias away from the very largest names toward slightly smaller firms, though still mostly large. These tilts can work in your favor but also create periods of underperformance when factor cycles rotate.
Risk contribution
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iShares Core MSCI World UCITS ETF USD (Acc) EUR
Weight: 87.66% 84.5% -
iShares S&P 500 USD Information Technology Sector UCITS
Weight: 12.34% 15.5%
Risk contribution measures how much each holding adds to the portfolio’s overall volatility, which can differ from simple weights. The broad world ETF makes up about 88% of the allocation and contributes roughly 85% of total risk, so its influence is proportionate. The tech ETF, however, is only about 12% of the portfolio but contributes over 15% of risk, with a risk‑to‑weight ratio above 1. That extra punch reflects higher volatility and concentration in one sector. This is perfectly fine if the tech tilt is desired; if not, trimming or rebalancing that sleeve would be the most direct lever to dial overall risk a bit lower.
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 mix sits on the efficient frontier, meaning that given these two ETFs, the weighting is already efficient. The Efficient Frontier is the curve of best possible returns for each risk level with the existing ingredients. The portfolio’s Sharpe ratio (return per unit of risk) is solid at 0.73, close to the minimum‑variance option and below the more aggressive optimal mix at 0.99. The optimal point would take more risk and target much higher expected return. Since you are already on the frontier, any changes would mainly be about choosing a different risk level, not about fixing inefficiency.
Ongoing product costs
- iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
- iShares S&P 500 USD Information Technology Sector UCITS 0.15%
- Weighted costs total (per year) 0.19%
Total ongoing costs (TER) of around 0.19% per year are impressively low, especially for a fully global, equity‑only structure with an additional sector tilt. Fees act like friction on returns: even a 0.5–1.0% difference per year compounds meaningfully over decades. Being well below that range supports better long‑term outcomes and leaves more of the market’s return in your pocket. This cost profile is in line with best practices for passive, ETF‑based investing and is a real strength of the setup. From a cost perspective alone, there is little pressure to change products; attention can instead stay on allocation and risk comfort.
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