This portfolio has only about 1.5 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Globally diversified equity portfolio with small cap and emerging markets tilt using three low cost ETFs

Report created on Jun 11, 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 a three‑fund, 100% equity mix built entirely with broad index-style ETFs. Around 60% sits in a global all‑world fund, which acts as the core holding, while 30% goes to a global small‑cap value ETF and 10% to an emerging markets ETF. That means most of the risk and behaviour comes from stocks, not bonds or cash. Structurally, this is a simple but deliberate setup: one broad core plus two focused “tilt” positions. With only three building blocks, it’s easy to understand what drives performance day to day, while still accessing thousands of underlying companies across the world through those funds.

Growth Info

Over the short 1.5‑year window available, a hypothetical €1,000 grew to about €1,220, implying a Compound Annual Growth Rate (CAGR) of 14.46%. CAGR is like average speed on a road trip: it smooths out ups and downs into one annual figure. Over this brief period, the portfolio outpaced both the US market and the global market, but the time frame is too short to treat that as a stable pattern. The max drawdown was about −21%, similar to the global benchmark, showing that equity‑like swings are part of the ride. With only seven days making up 90% of returns, results depended heavily on a handful of strong sessions.

Projection Info

The Monte Carlo projection takes the limited history, estimates average returns and volatility, then runs 1,000 random “what if” paths for 15 years. Think of it as shuffling and replaying the same kind of ups and downs many times to see a spread of possible futures, not a single forecast. The median outcome turns €1,000 into about €2,708, with a wide possible range from roughly €1,002 to €7,302. The model suggests a 74.9% chance of ending positive, but this is built on only 1.5 years of data, which is a very thin basis. Real‑world outcomes over 15 years could be meaningfully better or worse.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. Asset classes are the big buckets—equities, bonds, real estate, cash—that behave differently in various market conditions. Being 100% equity means the portfolio fully participates in stock market growth but can also experience sharp declines, as seen in the −21% drawdown. Compared with many broadly diversified mixes that include some bonds, this structure leans more toward growth and volatility. The “balanced” label here comes more from how the stocks are spread across regions and sizes rather than from mixing in lower‑risk assets like government bonds.

Sectors Info

  • Technology
    23%
  • Financials
    19%
  • Consumer Discretionary
    12%
  • Industrials
    12%
  • Energy
    7%
  • Telecommunications
    7%
  • Health Care
    6%
  • Basic Materials
    6%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is quite broad, with technology at 23%, financials at 19%, and meaningful slices across consumer, industrials, energy, telecoms, healthcare, and materials. No single sector dominates excessively, and the weights look reasonably in line with common global equity benchmarks, which is a strong indicator of healthy diversification. Sector diversification matters because different parts of the economy shine at different times—tech can benefit from innovation booms, while financials and energy may respond more to interest rates or commodity cycles. This spread helps avoid the portfolio being overly tied to the fortunes of just one industry or theme.

Regions Info

  • North America
    60%
  • Europe Developed
    12%
  • Asia Developed
    9%
  • Asia Emerging
    7%
  • Japan
    6%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Latin America
    2%

Geographically, about 60% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a mix of emerging regions. This is broadly similar to common global indices where North America is a large share, so the allocation is well‑aligned with global market weights. Geography affects both economic exposure and currency behaviour, since companies earn in different markets and currencies. The emerging markets ETF and the small‑cap value tilt introduce more exposure beyond the biggest developed markets, which can add diversification, but their long‑term impact can’t be judged confidently with only 1.5 years of data.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    23%
  • Mid-cap
    17%
  • Small-cap
    15%
  • Micro-cap
    10%

Market capitalization exposure ranges from mega‑cap (33%) and large‑cap (23%) down to mid‑cap (17%), small‑cap (15%), and micro‑cap (10%). This shows a clear tilt toward smaller companies compared with a typical broad global index, which is usually dominated by mega and large caps. Company size matters because smaller firms often have more volatile share prices but can offer different growth and value characteristics. Historically, small caps have sometimes delivered higher returns but with bumpier rides; however, with such limited history here, it’s not possible to draw conclusions about how this particular small‑cap exposure will behave over full market cycles.

True holdings Info

  • NVIDIA Corporation
    2.80%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Apple Inc
    2.34%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    1.81%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Amazon.com Inc
    1.52%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.41%
    Part of fund(s):
    • Avantis Emerging Markets Equity UCITS ETF
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    1.34%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Broadcom Inc
    1.15%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    1.08%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Meta Platforms Inc.
    0.80%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Tesla Inc
    0.64%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 14.90%

Look‑through data, based only on the ETFs’ top‑10 holdings, covers about 19% of the portfolio, so overlap is likely understated. Even within this partial view, big global names like NVIDIA, Apple, Microsoft, Amazon, and Taiwan Semiconductor appear, reflecting the strong influence of global market leaders. Several of these companies show up via multiple ETFs, creating some hidden concentration despite the overall diversification. This is normal for broad global funds that track similar universes. The key takeaway is that a relatively small group of large companies can still drive a noticeable share of returns, even when held indirectly through index‑style ETFs.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 60.00%
    57.9%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 30.00%
    32.6%
  • Avantis Emerging Markets Equity UCITS ETF
    Weight: 10.00%
    9.5%

Risk contribution shows how much each holding adds to overall portfolio ups and downs, which can differ from its simple weight. Here, the 60% all‑world ETF contributes about 58% of risk, the 30% small‑cap value fund contributes around 33%, and the 10% emerging markets fund about 9.5%. Those figures are broadly in line with their sizes, with the small‑cap value fund adding slightly more risk than its weight, as suggested by its risk/weight ratio above 1. This makes sense: smaller and cheaper stocks often move more sharply. Still, no single ETF dominates the risk picture excessively, which is a positive sign for balance.

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 risk‑return chart shows the current portfolio with a Sharpe ratio of 0.7, below both the optimal portfolio (1.37) and the minimum‑variance mix (0.88), using only these three ETFs. The Sharpe ratio compares excess return to volatility, like measuring how much “reward per unit of bumpiness” you get. Being about 2.8 percentage points below the efficient frontier at the same risk level suggests that, based on the short history, a different weighting of the same holdings could have achieved better risk‑adjusted returns. However, 1.5 years is a thin dataset, so any optimization results should be treated as illustrative rather than definitive.

Ongoing product costs Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR 0.39%
  • Avantis Emerging Markets Equity UCITS ETF 0.35%
  • Weighted costs total (per year) 0.27%

Total ongoing fund costs (TER) are around 0.27% per year, blending 0.19% for the all‑world ETF with 0.39% and 0.35% for the Avantis funds. TER is the annual fee charged by each ETF, taken inside the fund, so you never see a separate bill, but it quietly reduces returns a bit. This overall cost level is impressively low for a globally diversified mix with explicit small‑cap and emerging tilts. Lower costs mean less drag over time, especially when compounded across many years. Even though the performance history is short, starting from a low‑fee base is a strong structural advantage for long‑term compounding.

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