Broad global equity blend with strong Europe tilt and low cost core building blocks

Report created on Apr 10, 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 simple five-holding setup, fully invested in equities. Around 94% sits in broad, low-cost index ETFs covering the UK, wider Europe, Asia-Pacific, and global markets, while a 7% single-stock position in HSBC adds an active tilt toward one financial company. This structure leans heavily on diversified index funds, which is a solid core approach, and then layers on one conviction holding. Being 100% in stocks means growth potential is high but so is volatility. Someone using a setup like this would usually pair it with cash or bonds elsewhere if they need stability for shorter-term spending.

Growth Info

From late 2019 to April 2026, £1,000 grew to about £1,963, a compound annual growth rate (CAGR) of 10.87%. CAGR is the “average speed” of growth per year over the whole period. This trailed the US market by 2.5 percentage points a year but was only slightly behind the global market. Max drawdown, the worst peak-to-trough fall, was -28.33% during early 2020, a bit deeper than the benchmarks. The recovery within nine months shows resilience, but the deeper drop hints at a bit more downside sensitivity. Past performance, especially over just one cycle, doesn’t guarantee similar future results.

Projection Info

The Monte Carlo projection uses many simulated “what if” paths based on historical patterns to estimate future ranges. It shows £1,000 might typically grow to around £2,820 over 15 years, with a wide but plausible band from roughly £1,799 to £4,251 in the middle 50% of scenarios. The annualised return across all simulations is 8.36%, and about three-quarters of paths end positive. These numbers are helpful for gut-checking expectations, but they’re still just models: they rely on the past behaving similarly to the future, which it rarely does perfectly, especially around big regime shifts in inflation, rates, or politics.

Asset classes Info

  • Stocks
    100%

Everything here is in one asset class: stocks. That gives clear, simple exposure to long-term growth but zero built-in ballast from bonds or cash-like assets. In a balanced benchmark, you’d often see some allocation to lower-risk assets to soften big drawdowns. Here, the “balanced” feel comes more from diversification across regions and sectors than from mixing different asset classes. That can work for someone who can handle swings and doesn’t need to sell at bad moments, but it makes behaviour and discipline extra important. Anyone wanting smoother ride would normally look to blend this with defensive holdings elsewhere.

Sectors Info

  • Financials
    28%
  • Technology
    15%
  • Industrials
    13%
  • Health Care
    9%
  • Consumer Staples
    7%
  • Consumer Discretionary
    6%
  • Basic Materials
    6%
  • Energy
    5%
  • Telecommunications
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, the portfolio is tilted toward financials at 28%, well above what many global benchmarks would show. Technology sits around 15%, which is more moderate than current global indices, while industrials, health care, consumer sectors, and energy are all meaningfully represented. This broad mix is a positive: it avoids being overly reliant on a single growth engine like tech. The flip side of the big financials tilt is that performance can be more sensitive to interest rates, credit cycles, and regulatory changes. When financials do well, the portfolio can punch above its weight; when they lag, the drag is noticeable.

Regions Info

  • Europe Developed
    56%
  • Asia Developed
    17%
  • North America
    15%
  • Australasia
    9%
  • Asia Emerging
    2%
  • Japan
    1%

Geographically, there’s a clear home and regional tilt: about 56% in developed Europe, plus separate allocations to Asia-Pacific and smaller slices to North America and emerging Asia. That’s much more Europe-heavy and less US-heavy than a typical global benchmark, where the US often dominates. This alignment with the UK and European region can feel intuitive and reduces currency mismatch with £ spending, which is a real plus. On the other hand, it means the portfolio leans on a narrower set of economies and may underparticipate if US markets continue to lead. It’s a conscious trade-off between home familiarity and global market weight.

Market capitalization Info

  • Mega-cap
    56%
  • Large-cap
    30%
  • Mid-cap
    12%

Most of the exposure is in mega-cap and large-cap companies, with 56% in mega caps and 30% in large caps, leaving 12% in mid caps. This is similar to how many broad indices are structured and supports stability: mega caps are often more diversified businesses with deeper liquidity. That usually means smaller jumps day-to-day compared with portfolios tilted to smaller companies. The relatively light mid-cap slice still adds some growth potential without dramatically increasing risk. This alignment with typical market-cap structures is a good sign; it suggests the portfolio rides the global equity “super-tankers” rather than smaller, more volatile vessels.

True holdings Info

  • HSBC Holdings PLC
    9.60%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C GBP
    • Vanguard FTSE 100 UCITS GBP Acc
    Direct holding 7.00%
  • Samsung Electronics Co Ltd
    3.44%
    Part of fund(s):
    • Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF USD Accumulation GBP
  • AstraZeneca PLC
    2.58%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C GBP
    • Vanguard FTSE 100 UCITS GBP Acc
  • Shell plc
    2.01%
    Part of fund(s):
    • Amundi Stoxx Europe 600 UCITS ETF C GBP
    • Vanguard FTSE 100 UCITS GBP Acc
  • SK Hynix Inc
    1.94%
    Part of fund(s):
    • Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF USD Accumulation GBP
  • Unilever PLC
    1.05%
    Part of fund(s):
    • Vanguard FTSE 100 UCITS GBP Acc
  • Commonwealth Bank of Australia
    1.01%
    Part of fund(s):
    • Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF USD Accumulation GBP
  • Rolls-Royce Holdings PLC
    1.01%
    Part of fund(s):
    • Vanguard FTSE 100 UCITS GBP Acc
  • BHP Group Ltd
    0.99%
    Part of fund(s):
    • Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF USD Accumulation GBP
  • NVIDIA Corporation
    0.97%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 24.61%

Looking through the ETFs, HSBC shows up twice: 7% directly plus about 2.6% via funds, bringing total exposure to roughly 9.6%. That’s a meaningful single-company bet for an otherwise diversified lineup. Several other big names like Samsung, AstraZeneca, Shell, and NVIDIA appear via the funds but stay below 3.5% each, which is more modest. Because only ETF top-10 holdings are captured, overlap elsewhere is likely understated. Hidden concentration matters because it can make a portfolio act more like a handful of giants than a broad basket, especially when one name already has a direct, chunky position.

Risk contribution Info

  • Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF USD Accumulation GBP
    Weight: 23.50%
    24.7%
  • Vanguard FTSE 100 UCITS GBP Acc
    Weight: 23.50%
    23.4%
  • Amundi Stoxx Europe 600 UCITS ETF C GBP
    Weight: 23.00%
    22.7%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 23.00%
    20.6%
  • HSBC Holdings PLC
    Weight: 7.00%
    8.7%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from simple weights. The three big regional ETFs together make up about 70% of total portfolio risk, broadly in line with their combined weight, which is healthy. HSBC at 7% weight contributes about 8.7% of the risk, so it’s pulling slightly more than its share, but not dramatically so. That’s the sign of a moderately punchy single-stock position without being extreme. If someone wanted their risk spread to match their weights even more closely, trimming concentrated names and leaning more on diversified funds is the usual path.

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 portfolio sits below the efficient frontier, with a Sharpe ratio of 0.51 compared with 0.82 for the optimal mix and 0.71 for the minimum-variance blend. The Sharpe ratio measures return per unit of risk, after accounting for a risk-free rate. Being 1.59 percentage points below the frontier at the same risk level means the current weights aren’t squeezing the most out of what’s already in the toolkit. Importantly, the chart suggests that simply reweighting the existing holdings—without adding anything new—could improve the balance, either by nudging up expected returns or dialling down volatility for similar returns.

Ongoing product costs Info

  • Amundi Stoxx Europe 600 UCITS ETF C GBP 0.07%
  • Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF USD Accumulation GBP 0.15%
  • Vanguard FTSE 100 UCITS GBP Acc 0.09%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Weighted costs total (per year) 0.12%

The weighted ongoing cost (TER) across the ETFs is about 0.12%, which is impressively low and a real strength. TER (Total Expense Ratio) is the annual fee the fund charges, baked into the price rather than billed separately. Being this far down the cost curve means more of the portfolio’s return stays in your pocket each year. Over 10–20 years, shaving even 0.3–0.5 percentage points in fees can add thousands of pounds to the outcome. This cost profile is very much in line with best practice and forms a strong foundation for long-term compounding using broad index funds.

What next?

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey