Globally diversified equity portfolio with a strong technology tilt and focused three fund structure

Report created on May 2, 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 built entirely from three equity ETFs, with one broad global fund at 75%, a focused artificial intelligence fund at 15%, and an emerging markets fund at 10%. Structurally, that means most of the behaviour comes from global stocks, with smaller but noticeable influences from AI and emerging markets themes. A concentrated line-up like this is easy to understand and monitor, because each holding has a clear role. At the same time, every euro is exposed to stock market ups and downs, with no bonds or cash-like assets dampening volatility. So the portfolio is simple and globally spread, but firmly positioned on the growth-oriented, equity-only side of the spectrum.

Growth Info

Over the period shown, €1,000 grew to about €2,242, which translates to a compound annual growth rate (CAGR) of 12.58%. CAGR is like the average yearly “speed” of growth over the whole journey, smoothing out bumps along the way. The portfolio slightly lagged the US market benchmark but outpaced the global market benchmark, which is a solid relative result. The maximum drawdown, or worst peak‑to‑trough fall, was about -34% during early 2020, similar to the benchmarks. That shows the portfolio participated fully in the COVID shock but also recovered within roughly eight months, consistent with a globally diversified equity mix.

Projection Info

The Monte Carlo projection uses the portfolio’s historical behaviour to simulate 1,000 different future paths for a €1,000 investment over 15 years. Think of it as rerunning history with slightly different dice rolls each time to see a range of possible outcomes. The median outcome of about €2,826 suggests moderate long‑term growth, but the wide range from roughly €999 to €7,843 underlines how uncertain markets can be. An average simulated annual return near 8.2% reflects equity‑style expectations, but these are not promises. The key takeaway is that even with a broadly diversified stock portfolio, long‑term results can vary a lot, so any single number is only one point within a broad distribution.

Asset classes Info

  • Stocks
    100%

All of this portfolio sits in stocks, with 0% in bonds, cash, or alternative assets. That makes the asset class mix very straightforward: it’s a pure equity allocation. Equities historically have offered higher growth potential than bonds or cash, but with more pronounced ups and downs, especially during market stress. Compared with many blended stock‑bond portfolios, this structure will usually show higher volatility and larger drawdowns, because there is no stabilising fixed‑income component. The upside is full participation in equity market returns; the trade‑off is relying entirely on stock behaviour for both risk and reward, without a built‑in shock absorber from other asset classes.

Sectors Info

  • Technology
    35%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector‑wise, the portfolio has a notable technology tilt at around 35%, with the rest spread across financials, industrials, consumer areas, telecoms, healthcare, and other sectors. The AI ETF amplifies exposure to tech‑related businesses compared with many broad global indices, which tends to increase sensitivity to innovation cycles, interest rate expectations, and investor sentiment around growth companies. A tilt like this can help when technology leadership continues, but it also means meaningful swings if that sector falls out of favour. The encouraging part is that there is still exposure across a wide range of other sectors, which helps avoid being completely tied to a single industry’s fortunes.

Regions Info

  • North America
    59%
  • Europe Developed
    12%
  • Asia Developed
    10%
  • Asia Emerging
    8%
  • Japan
    5%
  • Africa/Middle East
    2%
  • Latin America
    2%
  • Australasia
    1%

Geographically, almost 60% of the portfolio is in North America, with further exposure to developed Europe, developed and emerging Asia, Japan, and smaller allocations to other regions. This pattern is broadly in line with many global equity indices, which are also heavily weighted to North America because of its large listed market. Such a spread provides diversification across multiple economies, currencies, and regulatory systems, reducing reliance on any single region. At the same time, the strong North American tilt means portfolio returns are still strongly influenced by that region’s market conditions and currency moves, which is worth being aware of when comparing to local European economic news.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    2%
  • Micro-cap
    1%

The market cap breakdown leans towards very large companies: about 46% in mega‑caps and 34% in large‑caps, with smaller slices in mid, small, and micro‑caps. Market capitalisation just means the total value of a company’s shares, and larger firms often have more diversified businesses and more stable earnings. This kind of tilt usually dampens some of the extremes you might see in very small, speculative companies, while still allowing some participation in smaller‑cap growth through the mid and small‑cap allocations. The overall pattern is consistent with many broad index strategies that weight by company size, where the biggest firms naturally dominate the index exposure.

True holdings Info

  • NVIDIA Corporation
    3.57%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Apple Inc
    2.94%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    2.54%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.33%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Amazon.com Inc
    1.95%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Alphabet Inc Class A
    1.77%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Broadcom Inc
    1.45%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
  • Alphabet Inc Class C
    1.12%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    1.08%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tesla Inc
    0.87%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 19.62%

Looking through to the top underlying holdings, names like NVIDIA, Apple, Microsoft, and other large global technology and internet companies show up prominently, together making up a meaningful slice of the portion we can see. Several of these appear across multiple ETFs, which creates overlap and concentrates exposure even though the portfolio holds only funds. Because only ETF top‑10 positions are included, this overlap is likely understated. The practical point is that big global tech and platform companies are important drivers of returns and risk here. When they perform strongly, the portfolio benefits; when they struggle, the effect will be felt across several layers at once.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 75.00%
    69.4%
  • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR
    Weight: 15.00%
    21.4%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 10.00%
    9.3%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the global broad ETF is 75% of the portfolio but contributes about 69% of the risk, so its risk impact is roughly in line with its size. The AI ETF stands out: at 15% weight, it contributes over 21% of total risk, meaning each euro there adds more volatility than a euro in the other funds. The emerging markets ETF’s risk share is close to its weight. Overall, most risk is concentrated in the broad global fund and the higher‑volatility AI sleeve.

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 the current portfolio sitting on or very near the efficient frontier, which is the curve of the best expected returns for each risk level using these three funds. The Sharpe ratio, a measure of risk‑adjusted return, is 0.54 for the current mix, compared with 0.72 at the maximum‑Sharpe point and 0.70 at the minimum‑variance point. That means other weightings of the same ETFs could potentially squeeze more return from each unit of risk or reduce risk while keeping returns relatively attractive. Still, being close to the frontier is a strong sign that the existing allocation is already quite efficient for this particular fund line‑up.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • WisdomTree Artificial Intelligence UCITS ETF - USD Acc EUR 0.40%
  • Weighted costs total (per year) 0.22%

The portfolio’s weighted total expense ratio (TER) comes out at about 0.22% per year, with the broad global ETF and emerging markets ETF both under 0.20%, and the specialised AI ETF a bit higher at 0.40%. TER is the ongoing annual fee charged by the funds, taken out of performance rather than invoiced directly. In the context of active and thematic products, a 0.22% blended cost is impressively low and supports better long‑term compounding compared with higher‑fee structures. Keeping costs modest leaves more of any market returns in the portfolio, especially over multi‑year periods where even small fee differences can add up meaningfully.

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