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Globally diversified equity portfolio with a strong value tilt and efficient risk return balance

Report created on Jul 24, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is very simple: three equity ETFs make up 100% of holdings. Around 60% is in a broad global equity fund, while the remaining 40% is split evenly between two value-focused funds, one targeting global developed markets and the other emerging markets. So structurally it’s one core “market” building block plus two satellites that tilt toward value stocks. A concentrated ETF list like this is easy to understand and maintain, which is a strength. It also means diversification happens within the ETFs rather than across lots of separate positions, so most of the portfolio’s behaviour depends on how these three indices are constructed and how they interact.

Growth Info

Over the period from late 2018 to mid‑2026, €1,000 in this portfolio grew to about €2,692. That works out to a Compound Annual Growth Rate, or CAGR, of 13.83% — a way of expressing the average yearly “cruising speed” of returns over the whole period. Compared with the global market benchmark, the portfolio very slightly outperformed, and it lagged the US market, which has been unusually strong. The worst peak‑to‑trough fall, or max drawdown, was about ‑33%, similar to both benchmarks. This shows that while returns have been robust, the portfolio can still experience deep temporary losses when global markets drop sharply. Past performance, of course, can’t guarantee future results.

Projection Info

The Monte Carlo projection uses historical return and volatility patterns to simulate 1,000 possible 15‑year paths for the portfolio. Think of it as rolling the dice many times using past data as the “loaded” probabilities, then seeing where €1,000 ends up. The median outcome of about €2,863 suggests that roughly half the simulations finish above that level and half below. The wide range between the pessimistic and optimistic scenarios shows how uncertain long‑term outcomes can be, even when using the same starting point. A 75% chance of a positive result is encouraging, but the lower‑end outcomes remind us that variability is part of equity investing and that simulations are only rough guides, not promises.

Asset classes Info

  • Stocks
    100%

All of this portfolio sits in one asset class: stocks. There’s no allocation to bonds, cash, or alternatives, so returns are tightly linked to the global equity market cycle. Equities historically offer higher growth potential than lower‑risk assets, but they also swing more, especially during stress periods. Balanced multi‑asset portfolios typically hold a mix of stocks and bonds to smooth the ride; in contrast, this structure leans fully into growth assets. The diversification score being high reflects broad spread within equities themselves, not across asset classes. That’s a key distinction: the portfolio is broadly diversified among companies and regions, while still being concentrated in the single asset class most exposed to market ups and downs.

Sectors Info

  • Technology
    35%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Telecommunications
    7%
  • Energy
    4%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio has a clear tilt toward technology, at about 35% of equity exposure. Financials, industrials, and consumer‑related areas together make up a good chunk of the rest, with smaller allocations to health care, telecoms, energy, materials, staples, utilities, and real estate. This profile is broadly consistent with global equity benchmarks, where technology and related industries have become dominant. Tech‑heavy allocations can benefit when innovation and digital trends drive profits, but they can also be sensitive to changes in interest rates or sentiment toward growth companies. The presence of value‑oriented ETFs likely shifts some exposure toward more cyclical and economically sensitive businesses, adding a different flavour than a pure growth tech portfolio.

Regions Info

  • North America
    50%
  • Asia Developed
    15%
  • Europe Developed
    14%
  • Asia Emerging
    9%
  • Japan
    7%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, about half of the portfolio is in North America, with the rest spread across developed and emerging regions. That 50% share is somewhat lower than many global indices, which often have an even higher North American weight, so this mix is a bit more internationally balanced than a typical world index. There’s meaningful exposure to developed Asia, Europe, and a noticeable slice in emerging markets, including Asia, Latin America, and smaller regions. This alignment with global market structure supports diversification across currencies, economic cycles, and policy regimes. It also means returns may not be driven purely by one country or region’s success, which can be helpful if leadership in global markets rotates over time.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    34%
  • Mid-cap
    17%

By market capitalization, the portfolio leans clearly toward the largest companies: roughly half in mega‑caps and another third in large‑caps. Mid‑caps make up the remaining slice, and there’s essentially no small‑cap exposure. Larger firms tend to be more established, with deeper liquidity and more analyst coverage, which can sometimes result in steadier behaviour than very small companies. At the same time, mid‑caps can bring an extra growth element and slightly higher volatility. This mix of mostly mega/large with some mid‑cap exposure is broadly in line with mainstream global indices, so from a size perspective the portfolio behaves quite similarly to the overall stock market rather than making a big size bet.

True holdings Info

  • Micron Technology Inc
    4.22%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    3.71%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • NVIDIA Corporation
    2.73%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc.
    2.50%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • SK Hynix Inc
    2.10%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Samsung Electronics Co Ltd
    2.09%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Microsoft Corporation
    1.54%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    1.36%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.19%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.00%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 22.46%

Looking through ETF top‑10 holdings, several big names appear prominently: companies like Micron, TSMC, NVIDIA, Apple, Samsung, Microsoft, Amazon, Alphabet, and Broadcom. Together they represent a noticeable portion of the portfolio, especially in technology and semiconductor areas. Because some of these companies show up in more than one ETF, there’s an element of overlap — hidden concentration where the same stock is owned via multiple funds. The reported coverage only captures top‑10 positions, so true overlap is likely higher. This is normal for global equity ETFs tracking similar universes, but it does mean that a handful of very large companies can have an outsized influence on returns relative to the number of ETFs held.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 60.00%
    59.1%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 20.00%
    21.0%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 20.00%
    19.8%

Risk contribution measures how much each holding drives the portfolio’s overall ups and downs, which can differ from raw weight. In this case, the broad global ETF is 60% of assets and contributes about 59% of total risk — almost a one‑for‑one match. Each 20% value ETF contributes roughly 20–21% of risk, again almost proportional to its size. That alignment signals there are no individual positions punching far above their weight from a volatility perspective. Instead, risk is spread roughly in line with capital allocation. The flip side is that because there are only three holdings, each one still matters a lot; any meaningful change in one ETF’s behaviour will be very visible at the total portfolio level.

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.

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The efficient frontier analysis suggests the current mix is already very close to the best possible use of these three holdings. The portfolio’s Sharpe ratio — a measure of return per unit of risk after accounting for a risk‑free rate — is 0.66, while the maximum Sharpe and minimum‑variance portfolios are only modestly higher. Being on or near the efficient frontier means that, given these same ETFs, there’s little room to improve the risk/return balance just by changing weights. In other words, the way the three funds are combined is already quite efficient for the chosen risk level, and any improvements from reweighting alone would likely be incremental rather than transformational.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.21%

The average ongoing fee, or Total Expense Ratio (TER), across these ETFs is about 0.21% per year. That’s low by active‑fund standards and competitive even against many index products, especially considering the more specialised value exposures. Costs matter because they come off returns every year, and even small differences compound over time. Keeping fees this modest means more of the portfolio’s gross performance shows up in net results. It also supports the efficient frontier outcome, since lower costs help improve risk‑adjusted returns. Overall, the cost profile is a clear strength here: it’s impressively low while still giving access to global and factor‑tilted strategies.

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