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One fund to rule them all and mildly underperform the world for a cheeky ongoing fee

Report created on Apr 4, 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

This “portfolio” is basically a framed poster of diversification rather than an actual gallery. One single global ETF at 100% is the investing equivalent of buying the sampler platter and calling yourself a chef. It’s simple, lazy in a mostly good way, and leaves exactly zero room for creativity or tactical tilts. The structure screams “I read one Boglehead article and stopped there.” That’s not the worst strategy, but it does mean every outcome is completely tied to one product behaving as advertised. Takeaway: structurally fine, but you’ve outsourced every decision to one ticker and just hoped it’s the adult in the room.

Growth Info

Historically, this thing did the job but didn’t exactly dazzle. Turning €1,000 into €2,838 over ten years with an 11.23% CAGR is solid, but the global market still edged it out, and the US market ran laps around it. You basically paid 0.40% a year to trail the easy benchmark by a bit. Max drawdown of about -35% lines up with a normal equity faceplant, so no bonus points for downside protection either. Past returns are like your ex’s texts: interesting, sometimes flattering, but absolutely not a reliable guide to the future.

Projection Info

The Monte Carlo projection is the financial version of running 1,000 alternate universes. It shakes the portfolio using historical-style volatility and return patterns and sees where the chips land. Median outcome of €2,691 after 15 years isn’t bad, but also not life-changing fireworks. The possible range from about €932 to nearly €8,000 just says, “Welcome to equity risk, please keep your seatbelt fastened.” And remember, simulations recycle yesterday’s weather to predict tomorrow’s storm — they’re educated guesses, not destiny. Takeaway: outcome spread is wide, so anyone surprised by future swings didn’t bother reading the label.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% anything else. For a “balanced” risk label, this is hilariously unbalanced in practice. No bonds, no cash buffer, no diversifiers — just pure growth engine with no shock absorbers. It’s like driving a sports car on summer tires all year and hoping winter just doesn’t show up. That’s fine if the time horizon is long and nerves are strong, but let’s not pretend this is some cautious middle-of-the-road setup. Takeaway: if the label says balanced but the holdings say 100% equity, trust the holdings.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Industrials
    13%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector mix screams “index hugger with a tech crush.” Around a quarter in technology, then big chunks in financials and industrials, and the rest sprinkled around like garnish. It’s not outrageously tilted, but tech is clearly the main character here. When the tech darlings are flying, this will feel genius. When they’re not, suddenly “diversified global investor” turns into “why is everything red at once?” Takeaway: sector weights are fine, but don’t kid yourself into thinking tech isn’t steering a lot of the emotional rollercoaster.

Regions Info

  • North America
    64%
  • Europe Developed
    15%
  • Asia Developed
    6%
  • Japan
    6%
  • Asia Emerging
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is basically “US and friends.” Roughly two-thirds in North America, a modest slice in Europe, and token allocations to the rest of the world like they were added for decoration. That’s how global cap-weighted indices work: you go where the market cap is, not where you wish it were. Still, calling this a truly global worldview is generous. It’s more like “I believe in the US, and I’ll let a few other regions loiter at the edges.” Takeaway: diversification here is more about market size than actual balance.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    32%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    1%

The market cap breakdown is textbook: 45% mega-cap, 32% large-cap, then a polite nod to mid, small, and micro. This is the classic “own everything, but let the giants dominate” approach. It’s safe in the sense that you’re not doing anything weird, but don’t pretend this is some edgy small-cap bargain-hunter portfolio. The tiny slice in micro and small caps is more of a seasoning than a strategy. Takeaway: you’re basically locked into whatever mood the biggest global companies wake up with each morning.

True holdings Info

  • NVIDIA Corporation
    3.92%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Apple Inc
    3.55%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Microsoft Corporation
    2.51%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Amazon.com Inc
    1.82%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Alphabet Inc Class A
    1.70%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.48%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Alphabet Inc Class C
    1.36%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Broadcom Inc
    1.30%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Meta Platforms Inc.
    1.29%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Tesla Inc
    1.04%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
  • Top 10 total 19.96%

Looking under the hood, the usual megacap suspects are driving the bus: NVIDIA, Apple, Microsoft, Amazon, Alphabet, and friends. It’s basically a who’s who of “stocks everyone already owns accidentally.” Yes, it’s diversified across thousands of names, but the top of the pyramid is the same elite club that dominates every broad global index. And since only the top 10 holdings are visible here, the real overlap is even larger than it looks. Takeaway: you’re diversified by headcount, but in practice your fate is glued to a small group of giants whether you like it or not.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
    Weight: 100.00%
    100.0%

Risk contribution is hilariously simple here: one ETF, 100% weight, 100% of the risk. Shocking. Normally this section reveals a sneaky 5% position secretly causing half the drama — here, there’s nowhere to hide. All the volatility, all the drawdowns, all the upside, it’s one vehicle doing everything. That’s clean but also unforgiving: if this ETF has any tracking error, structural issue, or gets replaced by a cheaper rival, you’re strapped to it. Takeaway: concentration in a single wrapper is operational risk, even if the underlying holdings are diversified.

Ongoing product costs Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.40%
  • Weighted costs total (per year) 0.40%

TER of 0.40% for a plain-vanilla global equity tracker is… not disastrous, but definitely not winning any frugality awards. It’s like paying business-class pricing for what is basically an economy seat on the global index flight. There are cheaper ways to own roughly the same basket, but at least this isn’t daylight robbery. Over decades, though, that 0.40% quietly snowballs into real money. Takeaway: the strategy is simple enough that you deserve simple, razor-thin fees — anything else is just sponsoring somebody else’s nicer office chair.

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