One fund to rule them all and mildly underperform the loud American neighbours
Report created on Mar 29, 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.
What type of investor this portfolio is suitable for
Balanced Investors
This setup suits someone who likes order hates admin and can tolerate watching numbers swing around without panicking every quarter. Think long‑term builder rather than day‑trading dopamine addict. Goals are likely big slow ones: retirement future freedom maybe early work‑optional life rather than “flip money fast.” Time horizon probably 10+ years with the emotional maturity to ride through severe stock market tantrums. There’s trust in global capitalism but not much urge to micro‑manage or outsmart it. Perfect for someone who’d rather get on with their actual life and let one solid engine quietly grind away in the background.
Positions
-
VW Vanguard FTSE All-World UCITS ETF USD Accumulation
VWRP - IE00BK5BQT80 100.00%
This portfolio is the investing equivalent of wearing the same black t‑shirt every day: simple tidy and just a bit unimaginative. One global equity ETF at 100% is clean but also hilariously binary – everything rises and falls with that single product. There’s no ballast no twist no “in case of emergency break glass” asset. Simplicity is great until the only button you have is “risk on.” The nice part is you avoid the usual Frankenstein mix of random funds. The downside is you’ve outsourced all nuance to one index rulebook and just agreed not to think about it.
Growth
Performance-wise you’ve basically hugged the global market and called it a day. CAGR of 10.14% from £1,000 to £1,909 is solid but nothing that’ll get you a Netflix documentary. You slightly beat the global benchmark and lagged the US market by over 2% a year — which is the tax you paid for not going full America-fanboy. Max drawdown around -25% is very normal for an all‑equity setup: welcome to grown‑up volatility. Remember though: this is a short window and past returns are like an old weather report — useful vibe check sure but totally not a forecast.
Asset classes
- Stocks 100%
Asset class breakdown is brutally simple: 100% stocks 0% everything else. That’s bold for something labelled “Balanced Investors.” This is not balanced; this is “I like roller coasters and I don’t own paracetamol.” No bonds no cash sleeve no diversifier to smooth the oh‑so‑fun -25% type drops. For a long time horizon and decent stomach this can be fine but let’s not pretend this behaves like a classic middle‑of‑the‑road portfolio. It’s more like putting everything in the engine and nothing in the brakes — great on straight roads less fun in tight corners.
Sectors
- Technology 26%
- Financials 17%
- Industrials 11%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Utilities 3%
- Real Estate 2%
Sector mix is fairly broad but the tech tilt is still doing most of the heavy emotional labour. With tech north of a quarter of the portfolio you are definitely voting for the “software will eat everything” storyline whether or not that was conscious. Financials and industrials show up respectably so at least it’s not a total one‑theme portfolio. The issue is more psychological: when tech sneezes your account catches the cold and you start questioning all your life choices. Takeaway: broad sector exposure helps but a chunky tech bias means your mood will still track the Nasdaq’s hangovers.
Regions
- North America 63%
- Europe Developed 15%
- Japan 6%
- Asia Developed 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geography screams “I like the whole world as long as it speaks mostly English and uses dollars.” Roughly two‑thirds in North America with everything else just fighting for table scraps. Developed Europe Japan and other regions are basically side quests. This is perfectly standard for a market‑cap global index but let’s be clear: it’s a US‑centric worldview with a flag collection attached. The risk is obvious — when the US does great you feel smart when it doesn’t you realise your “global” portfolio was mostly one country with a passport stamp. Diversified yes but definitely not geographically neutral.
Market capitalization
- Mega-cap 49%
- Large-cap 34%
- Mid-cap 16%
Market cap exposure is mega‑cap royalty with some large‑cap staff and a mid‑cap intern. Nearly half in mega‑caps means you’ve gone all‑in on the biggest most widely owned companies on earth — the ones already on magazine covers and in every major index. That usually means smoother rides than tiny stocks but also fewer “I found the next unicorn” moments. There’s almost no small‑cap spice here which keeps volatility somewhat tamer but also dials down the long‑shot upside. Think of it as owning the stadium not betting on the rookie striker — steady but not exactly thrilling dinner conversation.
True holdings
-
NV NVIDIA Corporation 4.22%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AA Apple Inc 3.92%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
MS Microsoft Corporation 2.96%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AM Amazon.com Inc 2.05%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class A 1.85%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.58%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AV Broadcom Inc 1.50%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class C 1.50%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
ME Meta Platforms Inc. 1.44%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
TS Tesla Inc 1.16%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Top 10 total 22.17%
The look‑through is basically the usual mega‑cap tech celebrity lineup pretending to be “the whole world.” NVIDIA Apple Microsoft Amazon Alphabet twice Meta Tesla — it’s the same guest list every global ETF brings to the party. Hidden concentration isn’t too scary here because you only hold one fund but let’s be honest: you’re more exposed to a handful of US tech-ish giants than the word “All‑World” suggests. And since we only see the top 10 this actually understates that tilt. Takeaway: don’t kid yourself that this is perfectly diversified just because the marketing sheet says “thousands of stocks.”
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure is where this thing quietly flexes some brains. You’ve got a high tilt to Value and a very high tilt to Low Volatility — basically “I like stocks but I’d prefer they don’t behave like drunk meme coins.” Factors are the hidden ingredients behind returns; here you’ve chosen “slightly cheaper and slightly calmer” over “YOLO growth rocket.” The rest sit around neutral. The warning label: low‑vol and value can seriously sulk for years when hot speculative names rule the party. So emotionally this portfolio suits someone who can handle underperforming the loud stuff while the slow boring engine just grinds on.
Risk contribution
-
Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 100.00% 100.0%
Risk contribution is normally where we find one tiny holding secretly causing all the drama. Here the analysis is comically simple: one ETF one line 100% of the risk. No stealth troublemakers no hidden hand grenades — if something blows up it’s the whole vehicle. That’s the charm and curse of a single‑fund setup: very easy to monitor very hard to tweak. If volatility feels too spicy there’s nothing to trim inside the portfolio; the only lever is changing the overall allocation to this fund versus something calmer outside it. Elegant yes but also a bit all‑or‑nothing.
Ongoing product costs
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.19%
Costs are where this setup almost feels suspiciously competent. A 0.19% TER is cheap enough that the fee conversation basically ends before it begins. You’re not haemorrhaging performance to some flashy active manager in a pinstripe suit. Still even low fees compound so they’re more like a slow subscription to “slightly less rich than you could’ve been.” But honestly for a one‑fund global solution this is about as clean as it gets. It’s like accidentally ordering the healthy option at a restaurant — you might not have overthought it but you definitely didn’t mess it up.
What next?
Create your own report?
Join our community!
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