Globally diversified equity portfolio with a strong quality tilt and moderate drawdowns over recent years

Report created on May 28, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely made up of equities, with about a third in a global core ETF and the rest spread across regional ETFs and individual large companies. A single world ETF at 37% forms the backbone, while meaningful positions in Berkshire Hathaway, Microsoft, and several blue-chip stocks add a stock-picking layer. A small allocation to gold (about 3%) brings in a non‑equity element. Structurally, this looks like a “core–satellite” build: broad, low‑cost index funds at the center with more focused bets in specific companies and themes around them. That combination often means returns are largely driven by global equity markets, but with some extra influence from the chosen stocks and specialist ETFs.

Growth Info

Over the period from mid‑2021 to May 2026, €1,000 grew to about €1,827, which translates to a compound annual growth rate (CAGR) of 13.11%. CAGR is like average speed on a road trip: it smooths out the bumps to show how fast the portfolio grew per year. This return slightly lagged the US market index by 0.13 percentage points a year but beat the global market by 1.82 points annually. The max drawdown, at around -18%, was smaller than both benchmarks, meaning the biggest drop from peak to trough was less severe. Recovering that drawdown in about six months suggests the portfolio handled volatility reasonably well, though of course past behavior doesn’t guarantee future results.

Projection Info

The Monte Carlo projection uses the historical pattern of returns and volatility to simulate many possible future paths. Think of it as rolling the dice 1,000 times based on how this portfolio has moved so far, then seeing the range of outcomes after 15 years. Here, the median result turns €1,000 into about €2,677, with a wide “likely” middle band and even wider outer band. The average simulated annual return is about 7.98%, and around 83% of simulations end positive. These are not predictions, just scenario exercises. They show that outcomes can vary a lot even with the same average return, underlining how uncertain long‑term investing always is.

Asset classes Info

  • Stocks
    97%
  • Other
    3%

Asset-class wise, the portfolio is very equity‑heavy, with roughly 97% in stocks and about 3% in “other,” mainly gold. That means returns and risk are driven almost entirely by company shares rather than bonds or cash. In many broad global benchmarks, bonds and cash often play a larger role, so this allocation is more growth‑oriented than mixed-asset portfolios. The small slice of gold can help a bit during certain market shocks because it often behaves differently from equities, but it’s too small to dominate outcomes. Overall, diversification here is mostly about spreading across many types of stocks rather than balancing between stocks and safer assets.

Sectors Info

  • Financials
    25%
  • Technology
    23%
  • Industrials
    9%
  • Consumer Staples
    8%
  • Telecommunications
    7%
  • Health Care
    7%
  • Basic Materials
    6%
  • Consumer Discretionary
    5%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across financials, technology, industrials, consumer staples, telecoms, health care, and others, with financials and technology together making up nearly half the portfolio. That’s a bit more tilted to financials than many global equity benchmarks, which can matter if interest rates or credit conditions change sharply. Tech exposure is meaningful but not extreme compared to typical global indices, which have become quite tech‑heavy in recent years. A decent allocation to consumer staples and health care brings in more defensive businesses that often hold up better when growth slows. This mix means performance may be influenced both by growth‑oriented sectors and by more stable, cash‑generating companies.

Regions Info

  • North America
    61%
  • Europe Developed
    19%
  • Asia Developed
    8%
  • Australasia
    4%
  • Japan
    3%
  • Asia Emerging
    2%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 61% of the portfolio sits in North America, with 19% in developed Europe and the rest spread across developed Asia, Japan, Australasia, and small slices in emerging markets and Africa/Middle East. This is broadly in line with global equity indices, which are also heavily weighted toward the US and other developed markets. The presence of emerging markets is modest, so the portfolio is not overly tied to higher‑volatility regions. Having most exposure in developed markets can reduce some political and currency risks compared with a heavier emerging‑markets tilt. At the same time, it still captures a good portion of global economic activity beyond just one country or region.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    31%
  • Mid-cap
    10%
  • Small-cap
    4%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans strongly into mega‑ and large‑cap companies, which together account for over 80% of exposure. These are usually well‑established firms with deep capital markets, broad analyst coverage, and relatively more stable business models. Mid‑caps, small‑caps, and a tiny slice of micro‑caps provide some exposure to potentially faster‑growing but more volatile firms. Many global benchmarks also skew toward mega‑caps, so this profile mirrors the general market structure. The dedicated small‑ and mid‑cap ETFs add a layer of diversification by capturing parts of the market that a pure large‑cap index might underweight, potentially changing how the portfolio behaves in different economic cycles.

True holdings Info

  • Berkshire Hathaway Inc
    7.96%
  • Microsoft Corporation
    5.87%
  • Linde PLC
    3.34%
  • DBS Group Holdings Ltd
    3.26%
  • Allianz SE VNA O.N.
    2.96%
  • The Procter & Gamble Company
    2.92%
  • Alphabet Inc Class A
    2.79%
  • Walmart Inc
    2.36%
  • NVIDIA Corporation
    2.23%
    Part of fund(s):
    • Xtrackers Artificial Intelligence &Big Data UCITS ETF 1C EUR
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Schneider Electric S.E.
    2.08%
  • Top 10 total 35.77%

This breakdown covers the equity portion of your portfolio only.

The look‑through data shows that most major individual names in the portfolio—like Berkshire Hathaway, Microsoft, and Alphabet—are primarily held directly rather than through overlapping ETF positions. Only NVIDIA shows up via ETFs in the top holdings list. This suggests that hidden concentration from owning the same company multiple ways is limited in the top layer of the portfolio, at least based on ETF top‑10 data. However, coverage is only partial, so overlap further down ETF holdings isn’t fully visible. The direct stock picks therefore play a clear, transparent role, while the ETFs provide broad diversification across many smaller positions that don’t show up in the top‑10 lists.

Risk contribution Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Weight: 37.30%
    41.1%
  • Microsoft Corporation
    Weight: 5.87%
    7.7%
  • Berkshire Hathaway Inc
    Weight: 7.96%
    6.9%
  • Xtrackers Artificial Intelligence &Big Data UCITS ETF 1C EUR
    Weight: 3.67%
    5.2%
  • SSgA SPDR S&P 400 US Mid Cap
    Weight: 3.64%
    4.6%
  • Top 5 risk contribution 65.4%

Risk contribution data shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weight. The core MSCI World ETF is 37% of the portfolio but contributes about 41% of total risk, slightly more than its size would suggest. Microsoft, at 5.9% weight, adds 7.7% of risk, while Berkshire Hathaway, at almost 8%, contributes less risk than its weight. The AI & Big Data ETF and the US mid‑cap ETF also punch above their size in risk terms. Altogether, the top three holdings drive more than half of total portfolio volatility, showing where day‑to‑day movement is really coming from even within a diversified structure.

Redundant positions Info

  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    SSgA SPDR S&P 400 US Mid Cap
    High correlation

The correlation view highlights that the world small‑cap ETF and the US mid‑cap ETF have moved almost identically. Correlation measures how assets move together; a correlation near 1 means they usually rise and fall in tandem. When two holdings are highly correlated, they don’t add much diversification against each other, even if they hold different individual stocks. Instead, they behave more like a single combined position in practice. In this case, the small‑ and mid‑cap exposure likely reflects similar economic drivers, such as the health of the broader business cycle. That’s not inherently a problem—just a reminder that more lines in the portfolio doesn’t always mean more independent sources of risk.

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 has a Sharpe ratio of 0.85, which measures return per unit of risk above a risk‑free rate (like interest on cash). The efficient frontier shows the best possible combinations of these same holdings. Here, the optimal mix of existing assets has a much higher Sharpe of 2.08, and even the minimum‑variance version scores 1.53. The current portfolio sits meaningfully below the frontier, about 11 percentage points off the best achievable return at its risk level. That means, using only the current ingredients, different weightings could historically have delivered a better trade‑off between volatility and return, at least over the data period shown.

Dividends Info

  • Allianz SE VNA O.N. 4.40%
  • Weighted yield (per year) 0.13%

The overall dividend yield of roughly 0.13% is very low, even though some individual holdings like Allianz have relatively high payouts. That suggests many positions are either growth‑oriented companies that reinvest profits or accumulating ETFs that roll dividends back into the fund rather than distributing them in cash. For an equity‑heavy portfolio, this isn’t unusual, especially with a strong tilt toward large global growth and quality names. In practice, it means that most of the historical return has come from price increases rather than income. Anyone focused on understanding the portfolio’s behavior should view it mainly as a capital‑growth engine, with dividends playing a minor supporting role.

Ongoing product costs Info

  • iShares Core MSCI Europe UCITS ETF EUR (Acc) 0.20%
  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • SSgA SPDR S&P 400 US Mid Cap 0.30%
  • iShares Core MSCI Pac ex-Jpn ETF USD Acc 0.20%
  • Xtrackers Artificial Intelligence &Big Data UCITS ETF 1C EUR 0.35%
  • Xtrackers MSCI World Health Care UCITS ETF 1C 0.25%
  • Weighted costs total (per year) 0.14%

The portfolio’s costs are impressively low. The weighted ongoing fee (Total TER) is about 0.14% per year, thanks to heavy use of broad, low‑cost index ETFs. Individual ETF TERs mostly sit in the 0.18–0.35% range, which is competitive for global, regional, and thematic products. Fees act like friction: even small annual percentages compound over time and can noticeably reduce long‑term returns. Keeping them this low means more of the portfolio’s performance stays in the investor’s pocket. This cost profile aligns well with best practices in diversified equity investing and provides a strong structural foundation for long‑term compounding, independent of how markets move.

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