Single multifactor global equity portfolio with broad regional spread and diversified sector balance
Report created on Jun 23, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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GE L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
GERD - IE0001UQQ933 100.00%
This portfolio is extremely simple in structure: it holds a single global multifactor equity ETF at 100%. That means every euro is invested in shares of companies around the world, with no cash, bonds, or alternative assets in the mix. A one-fund structure is easy to track and understand because all risk and return come from the same source. It also means the ETF’s internal diversification really matters, as it carries the entire load for balancing regions, sectors, and company sizes. This kind of “one-ticket” setup is streamlined and avoids complicated rebalancing, but it also offers no built‑in cushion from less volatile asset classes.
Growth
Over the last three years, €1,000 grew to about €1,653, which corresponds to a Compound Annual Growth Rate (CAGR) of 18.08%. CAGR is like the average yearly “speed” of growth over the full period. The portfolio slightly trailed both the US market and the global market, but the gap was small, especially versus the global benchmark. Its maximum drawdown, a peak‑to‑trough drop of about −19%, was actually milder than both benchmarks. This shows that, historically, the portfolio has delivered strong equity-like returns with somewhat smaller worst‑case declines, which fits the idea of a diversified, factor‑based global equity approach.
Projection
The forward projection uses a Monte Carlo simulation, which repeatedly “replays” possible futures based on patterns in the historical data. Think of it as rolling the dice 1,000 times to see a range of outcomes, rather than relying on a single forecast. The median result after 15 years is around €2,712 from €1,000, with a broad middle range between roughly €1,798 and €4,200. The widest range runs from just under the starting amount to around €7,500. These numbers are not promises; they simply show how volatile an all‑equity, globally diversified portfolio can be when history is used as a guide.
Asset classes
- Stocks 100%
Asset‑class allocation is straightforward: 100% stocks. That means no bonds, no cash, and no other assets adding stability. Stocks are typically the main driver of long‑term growth in most portfolios, but they also bring bigger ups and downs along the way. Compared with more mixed portfolios that blend equities with bonds or cash, this setup leans clearly toward return potential over short‑term steadiness. Historically, such all‑equity mixes have delivered higher average growth but deeper drawdowns. The balanced risk classification here likely reflects that within equities, the ETF spreads exposure widely, softening some of the volatility that could come from a narrower stock selection.
Sectors
- Technology 25%
- Financials 19%
- Industrials 11%
- Telecommunications 8%
- Consumer Discretionary 8%
- Health Care 8%
- Basic Materials 6%
- Energy 5%
- Consumer Staples 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is well spread, with technology the largest at 25%, followed by financials at 19% and industrials at 11%. Other sectors such as telecoms, consumer areas, health care, materials, energy, utilities, and real estate all appear with moderate weights. This looks broadly in line with diversified global equity benchmarks, where tech and financials are also typically prominent. A hefty technology share can boost growth in innovative, fast‑growing companies but may react strongly to interest‑rate moves or shifts in sentiment. The good news is that no single sector dominates overwhelmingly, so sector-specific shocks are less likely to drive the entire portfolio by themselves.
Regions
- North America 51%
- Europe Developed 21%
- Asia Emerging 9%
- Asia Developed 7%
- Japan 5%
- Africa/Middle East 3%
- Australasia 2%
- Latin America 2%
- Europe Emerging 1%
Geographically, the portfolio leans primarily on North America at 51%, with Europe Developed at 21% and a meaningful mix of Asia, Japan, and emerging regions. This pattern is broadly similar to global market indices, which also tend to be North America‑heavy because of high market values there. The presence of emerging markets, Asia Developed, and regions like Africa/Middle East and Latin America adds exposure to different economic cycles and currencies. That kind of spread can help when one part of the world slows while another is growing faster. Overall, the regional breakdown is well‑balanced and aligns closely with global standards for diversified equity investing.
Market capitalization
- Large-cap 35%
- Mega-cap 33%
- Mid-cap 24%
- Small-cap 7%
- Micro-cap 1%
By market capitalization, the portfolio is balanced between mega‑caps (33%), large‑caps (35%), mid‑caps (24%), and a smaller slice in small and micro‑caps. Market cap is simply the total value of a company’s shares, so mega‑caps are the giants and micro‑caps are the tiny firms. Many broad market indices are dominated by mega‑ and large‑caps, sometimes with less in mid‑caps and small‑caps than seen here. This ETF’s tilt toward mid‑caps and smaller companies adds diversification and can change the return pattern, as smaller firms sometimes behave differently from the global giants. It can also slightly increase volatility, as smaller companies often swing more.
True holdings
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MU Micron Technology Inc 1.30%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.02%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
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V Visa Inc. Class A 1.00%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
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MS Microsoft Corporation 1.00%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
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AA Apple Inc 0.97%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
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NV NVIDIA Corporation 0.95%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
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NF Netflix Inc 0.87%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
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ME Meta Platforms Inc. 0.86%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
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DT Deutsche Telekom AG 0.84%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
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MA Mastercard Inc 0.81%
Part of fund(s):- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
- Top 10 total 9.63%
The look‑through view shows the top 10 underlying holdings, covering about 9.6% of the portfolio. These are well‑known global companies in technology, payments, communication services, and telecoms. Since all exposure comes through a single ETF, there is no overlap between multiple funds; hidden concentration mainly depends on how much weight the ETF itself gives each stock. The biggest single‑company weight in this sample is around 1.3%, which is modest. That suggests the ETF’s internal process spreads its bets widely across many companies, rather than relying heavily on a few mega‑cap names to drive performance.
Risk contribution
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L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR
Weight: 100.00% 100.0%
Risk contribution here is very simple: the single ETF accounts for 100% of the portfolio’s overall volatility. Risk contribution shows how much each holding adds to the portfolio’s ups and downs, not just how large it is in weight terms. In more complex portfolios, a small but volatile position can drive a disproportionately large share of risk. With only one holding, there is no such imbalance between positions. Instead, all the action depends on how the ETF itself is constructed internally and how its underlying companies behave together. The position sizing decision is effectively “all in” on this one diversified vehicle.
Ongoing product costs
- L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating EUR 0.45%
- Weighted costs total (per year) 0.45%
The ETF’s ongoing cost, measured by Total Expense Ratio (TER), is 0.45% per year. TER is like an annual service fee taken directly from the fund’s assets, so it quietly reduces returns a little bit each year. For an actively managed or smart‑beta multifactor strategy, this level of cost is moderate and not unusual. Costs matter because they compound over time: every 0.1% saved each year can add up over decades. Here, the simple one‑fund structure also helps, as there are no extra layers of fees from multiple products. Overall, the costs are clearly stated and reasonable for the strategy used.
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