Globally diversified stock heavy portfolio with strong tech tilt and impressively low all in costs
Report created on Mar 25, 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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VW Vanguard FTSE All-World UCITS ETF USD Accumulation
VWCE - IE00BK5BQT80 88.44% -
VA Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulation
VAGF - IE00BG47KH54 11.56%
The portfolio is built around two core ETFs: a global equity fund at about 88% and a global bond fund at roughly 12%. This mix lines up well with a “balanced but growth leaning” approach, where most of the engine is in stocks while bonds act as a smaller stabiliser. Having just two broad funds keeps things simple and reduces the chance of accidental overlaps or gaps. The main implication is that almost all risk and return will be driven by global equities, with bonds playing a secondary smoothing role. For someone wanting straightforward global exposure without lots of moving parts, this structure is very clean and easy to maintain.
Growth
From mid‑2019 to early 2026, €1,000 grew to about €1,879, giving a compound annual growth rate (CAGR) of 10.47%. CAGR is like your “average speed” over the whole journey, smoothing out bumps along the way. This result is slightly behind the global market benchmark but still very solid, especially given the broad diversification. The worst peak‑to‑trough fall (max drawdown) was about ‑30%, milder than the benchmarks’ roughly ‑34%, which shows decent downside resilience. As with any historical numbers, these are rear‑view‑mirror stats, not a promise. Still, they suggest the mix has delivered strong growth with reasonably controlled volatility relative to pure equity markets.
Projection
The Monte Carlo projection uses the portfolio’s past behaviour to simulate 1,000 possible 10‑year paths for €1,000. Think of it as running the same movie with slightly different weather each time, based on historical patterns. The median outcome is about +95% total return over 10 years, while even the 5th percentile only shows a modest loss around ‑10%. About 92% of simulations end positive, and the average simulated annual return is 5.56% after factoring in volatility. This doesn’t predict the future, and if markets change regime, reality can differ a lot. Still, it gives a rough sense of the balance between growth potential and downside risk over a typical decade‑long horizon.
Asset classes
- Stocks 88%
- Bonds 12%
Asset allocation is roughly 88% stocks and 12% bonds, which explains the portfolio’s “Balanced” risk score leaning clearly toward growth. Stocks are the main long‑term growth driver but can swing sharply in crises, while bonds usually move more gently and can cushion equity drops. Compared with a classic 60/40 split, this is more aggressive, closer to what some might call a growth or 80/20 style mix. The positive side is higher expected returns; the trade‑off is larger drawdowns when markets fall. For someone with 10+ years ahead and the ability to ride out volatility, this stock‑heavy tilt is often a reasonable way to pursue stronger long‑run growth.
Sectors
- Technology 23%
- Financials 15%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is spread across technology, financials, industrials, consumer areas, healthcare, communications, and more, with no single non‑tech sector dominating. Technology is the largest slice at about 23%, reflecting how big tech has become in global indices. That tilt boosts growth potential but can also amplify sensitivity to interest‑rate changes and shifts in innovation trends. Financial services, industrials, and consumer sectors provide cyclical exposure, while healthcare, consumer defensive, utilities, and energy add some ballast across economic cycles. This sector mix aligns closely with major global benchmarks, which is a strong indicator of healthy diversification rather than a concentrated thematic bet.
Regions
- North America 55%
- Europe Developed 13%
- Japan 6%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 55% sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller allocations to Australasia, Latin America, and Africa/Middle East. This is very similar to global equity indices, where the US and Canada dominate due to market size. That heavy North American presence has helped in recent years but also means performance is strongly tied to those economies and currencies. The good news is there is clearly meaningful exposure outside North America, helping avoid a single‑region bet. For many long‑term investors, this globally distributed footprint is exactly what a diversified core portfolio should look like.
Market capitalization
- Mega-cap 43%
- Large-cap 30%
- Mid-cap 14%
Market‑cap exposure is tilted toward mega and big companies, with about 73% in mega and large caps and 14% in mid caps. Large companies tend to be more stable, widely researched, and easier to trade, which often reduces idiosyncratic risk compared with a heavy small‑cap tilt. The flip side is less exposure to the sometimes higher long‑term growth potential of smaller firms, but also fewer extreme swings. This size profile explains part of the portfolio’s balanced risk behaviour: it participates in global growth but is less vulnerable to single‑company blow‑ups. For a core holding, this large‑cap bias is very much in line with mainstream global benchmarks.
True holdings
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NV NVIDIA Corporation 3.73%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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AA Apple Inc 3.46%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
MS Microsoft Corporation 2.62%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AM Amazon.com Inc 1.81%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class A 1.63%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.40%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AV Broadcom Inc 1.33%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class C 1.32%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
ME Meta Platforms Inc. 1.27%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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TS Tesla Inc 1.02%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Top 10 total 19.60%
Looking through the equity ETF, the top underlying positions are the big global names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, TSMC, Broadcom, Meta, and Tesla. These together take up a noticeable slice of the equity exposure, even though they’re held only via diversified funds. Because they appear through a single broad ETF, overlap risk is fairly transparent and actually quite typical for a market‑cap global index. It’s worth noting the look‑through only covers ETF top‑10 holdings, so overall concentration in large companies is understated. The practical takeaway: returns will be meaningfully influenced by how these mega‑cap growth and tech‑linked giants perform over time.
Factors
Factor exposure shows notable tilts to momentum, low volatility, and size. Factor exposure just means how much the portfolio leans toward traits like recent winners (momentum) or steadier stocks (low volatility). A strong momentum tilt can help when trends persist, boosting returns in rising markets, but can hurt if leadership suddenly reverses. The low volatility bias, even with limited signal coverage, suggests a modest preference for steadier names, which can soften drawdowns. Size exposure indicates a slight lean away from the very biggest names, though the overall portfolio remains large‑cap heavy. Compared to a neutral market‑weighted baseline, these factor tilts may help explain the mix of solid returns with somewhat controlled downside.
Risk contribution
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Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 88.44% 99.6% -
Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulation
Weight: 11.56% 0.4%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ a lot from simple weight. Here, the global equity ETF is about 88% of the weight but contributes almost 100% of the risk. The bond ETF is roughly 12% by weight yet adds barely any overall volatility. In practice, this means portfolio risk is effectively equity risk, and bonds mainly serve as a small stabiliser and potential liquidity buffer. If a smoother ride became a priority, increasing the bond share would be the most straightforward way to reduce risk contribution from stocks without changing the core structure.
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 directly on the efficient frontier, which means that given these two ETFs, the weights are already used efficiently. The efficient frontier is simply the curve showing the best return you could get for each risk level using only the existing holdings. The portfolio’s Sharpe ratio of 0.57 (return per unit of risk) is slightly below the optimal mix’s 0.66, which has more risk and more expected return, and above the minimum‑risk mix with a negative Sharpe ratio. In plain terms, the trade‑off is well calibrated: to improve risk‑adjusted returns further, you’d need to accept higher volatility, not just reweight for “free” gains.
Ongoing product costs
- Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulation 0.10%
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.18%
Total ongoing costs (TER) sit around 0.18%, which is impressively low for such broad global exposure. TER is the annual fee charged by the funds, quietly deducted inside the ETF; lower costs mean more of the market’s return stays in your pocket. Over long periods, even a 0.3–0.5% difference per year can compound into a big gap. Being well below typical active fund fees and even many “cheap” alternatives is a major strength here. From a cost perspective, the portfolio is already very close to best‑in‑class, so there’s little to gain from fee hunting without sacrificing diversification or simplicity.
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