Globally diversified stock only portfolio with low costs and strong long term growth focus
Report created on Apr 9, 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 100.00%
The portfolio is extremely simple: one global equity ETF makes up 100% of the holdings. That fund spreads money across thousands of companies worldwide, but from your perspective there is only a single position. This kind of “one-fund” setup is easy to understand and maintain, and it naturally stays roughly aligned with the global market. The flip side is that there is no built‑in buffer from bonds or cash, so short‑term swings will be very visible. For someone comfortable with equity risk, this structure offers a clean, disciplined way to capture broad global stock market returns over long horizons.
Growth
Over the observed period, €1,000 grew to about €2,023, giving a compound annual growth rate (CAGR) of 11%. CAGR is like your average yearly “cruising speed,” smoothing out bumps along the way. The portfolio slightly outpaced the global market benchmark and lagged the US market, which had an especially strong run. The maximum drawdown of around -33% during early 2020 was very similar to both benchmarks, showing equity‑level risk. This history supports the idea that the fund behaves much like the broad global market, but it also underlines that big temporary losses are part of an all‑equity ride.
Projection
The forward projection uses a Monte Carlo simulation, which is basically a large set of “what if?” scenarios generated from historical return and volatility patterns. It does not try to predict a single future; instead, it shows a range of possible outcomes. Here, the median result turns €1,000 into about €2,707 over 15 years, with a wide band from roughly €976 to €7,937 in more extreme cases. That spread illustrates how uncertain markets can be, especially for all‑equity portfolios. Monte Carlo outputs are helpful for setting expectations, but they rely on past data, which may not repeat in the same way.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternative assets. That means the entire result is driven by the ups and downs of global equities. Pure equity allocations typically offer higher long‑term return potential but also larger and faster drawdowns than mixed stock‑bond portfolios. This is more aggressive than what many “balanced” investors might hold, where bonds often provide a partial cushion. For someone with a long time horizon and the emotional ability to stay invested during big dips, this simple stock‑only setup can be very effective, but it is not designed for capital stability.
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 exposure is fairly broad: technology is the largest slice at 26%, followed by financials, industrials, consumer sectors, and healthcare. This mix looks quite similar to common global equity benchmarks, which is a good sign for diversification. The tech tilt means results will be influenced by how large, innovative companies perform, particularly during periods of changing interest rates and market sentiment about growth. At the same time, having meaningful weights in defensive areas like consumer staples, utilities, and healthcare helps soften sector‑specific shocks. Overall, this sector spread is well‑balanced and aligns closely with global standards.
Regions
- North America 63%
- Europe Developed 15%
- Japan 6%
- Asia Developed 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 63% sits in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging regions. This pattern broadly matches the current global stock market, where US companies in particular make up a large share of total value. The benefit is that the portfolio taps into many of the world’s most competitive and profitable firms. However, it also means performance is strongly linked to the fortunes of one major economy and currency. The good news is that material exposure to Europe and Asia still adds useful diversification across different political, economic, and regulatory environments.
Market capitalization
- Mega-cap 49%
- Large-cap 34%
- Mid-cap 16%
Most of the money is in mega‑cap and large‑cap companies, with about 83% in those categories and 16% in mid‑caps. This is typical for market‑weighted global funds, which invest more in the biggest firms because they represent more of total market value. Large companies often have more stable earnings, better access to capital, and established business models, which can reduce volatility compared with a small‑cap‑heavy portfolio. The mid‑cap slice brings some added growth potential without moving into the very volatile small‑cap space. This size mix is a solid, mainstream foundation for broad equity exposure.
True holdings
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NV NVIDIA Corporation 4.22%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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AA Apple Inc 3.92%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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MS Microsoft Corporation 2.96%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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AM Amazon.com Inc 2.05%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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GO Alphabet Inc Class A 1.85%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.58%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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AV Broadcom Inc 1.50%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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GO Alphabet Inc Class C 1.50%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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ME Meta Platforms Inc. 1.44%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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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%
Looking through the ETF’s top holdings, the largest positions are familiar mega‑cap names in technology and related areas, such as NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Together, the top ten only account for about 22% of the portfolio, so no single company dominates. There is virtually no hidden overlap issue here because everything is inside one fund and the biggest positions are exactly what you see. It is worth remembering that these figures cover only the top 10; the remaining ~78% is spread across a very wide range of smaller companies, which quietly supports diversification in the background.
Risk contribution
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Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 100.00% 100.0%
Risk contribution shows how much each holding drives the portfolio’s total ups and downs, which can differ from simple weight. Here, a single ETF is 100% of the weight and 100% of the risk, so the picture is very straightforward: every bit of volatility comes from that one fund. Inside the ETF, risk is of course spread across many companies and regions, but at the portfolio level there is no diversification across different product types or managers. The main takeaway is that any operational or tracking issues with this specific ETF would fully translate into your results, even though that risk is generally low for a large index fund.
Ongoing product costs
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.19%
The total expense ratio (TER) of 0.19% per year is impressively low, particularly for such a broadly diversified global product. TER is like a small annual membership fee charged by the fund, quietly deducted from returns. Over one year, the difference between 0.19% and higher costs might feel trivial, but over decades fees compound and can significantly reduce final wealth. Keeping costs this low is a real strength of the portfolio and supports better long‑term outcomes. It also means the fund can track its index closely, since less performance is being eaten away by ongoing charges.
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