Globally diversified equity portfolio with strong momentum tilt and broad mix of company sizes
Report created on Mar 23, 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 80.00% -
IU iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
IUSN - IE00BF4RFH31 20.00%
The structure is very straightforward: two equity ETFs make up 100% of the portfolio, with 80% in a broad global fund and 20% in a global small‑cap fund. That means every euro is invested in stocks, with no bonds or cash buffer. Simple line‑ups like this are easy to understand and maintain, which is a big plus. The main trade‑off is that the portfolio will fully reflect stock market ups and downs. For someone comfortable with equity risk, this streamlined design delivers wide coverage with minimal moving parts and keeps ongoing management very light.
Growth
From mid‑2019 to early 2026, €1,000 grew to about €1,934, implying a compound annual growth rate (CAGR) of 11.21%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. The portfolio’s return slightly trailed the global market reference but still beat inflation comfortably and stayed broadly in line with world‑equity behavior. The max drawdown of about ‑34.7% shows you had to tolerate a sizeable temporary loss during stress periods. That kind of drop is typical for an all‑equity mix. Past performance can’t predict the future, but it does confirm the risk level feels realistic for a fully stock‑based setup.
Projection
The 10‑year Monte Carlo projection simulates many possible futures using the portfolio’s past return and volatility as inputs. Think of it as rolling the dice 1,000 times, each roll being a potential market path. The median outcome turns €1,000 into roughly €3,857 (about +285.7%), while even the weaker 5th percentile still shows a positive cumulative gain around +24.1%. Annualised return across all simulations is close to the historical rate. This is encouraging, but it’s essential to remember simulations are based on history and assumptions. Real markets can behave differently, especially during rare crises that may not be fully captured in the data.
Asset classes
- Stocks 100%
Every cent is in stocks, with 0% in bonds, cash, or alternatives. That delivers maximum long‑term growth potential but also exposes the full portfolio to equity market cycles. Many broad benchmarks mix stocks with bonds to smooth volatility, while this configuration intentionally leans into growth. The upside is simplicity and strong participation when markets rise. The downside is that during sharp downturns there is no built‑in stabiliser. For investors who can ride out large swings and have long horizons, this kind of all‑equity allocation can be appropriate, especially when combined with an emergency cash buffer outside the investment account.
Sectors
- Technology 24%
- Financials 16%
- Industrials 13%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 5%
- Energy 4%
- Real Estate 3%
- Utilities 3%
Sector allocation is quite balanced: technology at 24%, financial services at 16%, industrials at 13%, and then a spread across consumer, healthcare, energy, and others. This mix is close to typical global equity benchmarks, which is a strong indicator of healthy diversification. A tech weight in the mid‑20s is substantial but not extreme, so the portfolio will feel technology cycles yet isn’t a pure tech bet. During periods of rising interest rates or regulatory pressure, growth‑heavy areas may be more volatile, while defensive sectors can help cushion the ride. Overall, the sector picture is reassuringly broad and well‑aligned with global standards.
Regions
- North America 64%
- Europe Developed 15%
- Japan 7%
- Asia Emerging 5%
- Asia Developed 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 64% sits in North America, with the rest spread across developed Europe, Japan, developed and emerging Asia, and smaller allocations to Australasia, Latin America, and Africa/Middle East. This pattern mirrors many global indices, where the US has a naturally heavy weight due to its market size. That alignment is beneficial because it taps into the deepest and most liquid markets, while still leaving meaningful exposure to other regions. The presence of emerging markets, though modest, adds growth potential and diversification. This geography profile supports the “world investor” approach rather than a narrow home‑country or single‑region focus.
Market capitalization
- Mega-cap 39%
- Large-cap 28%
- Mid-cap 20%
- Small-cap 10%
- Micro-cap 3%
By company size, the portfolio tilts toward larger firms: 39% mega cap, 28% big, 20% medium, 10% small, and 3% micro. This is slightly more size‑balanced than a pure market‑cap global index, thanks to the dedicated small‑cap ETF. Larger companies typically bring more stability and liquidity, while small and micro caps can offer higher growth but bumpier rides. This blend means the portfolio behaves broadly like a global large‑cap portfolio, with a bit of extra punch and diversification from smaller companies. It’s a thoughtful structure that adds a “size premium” potential without letting small caps dominate overall risk.
True holdings
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NV NVIDIA Corporation 3.37%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AA Apple Inc 3.13%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
MS Microsoft Corporation 2.37%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AM Amazon.com Inc 1.64%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class A 1.48%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.26%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AV Broadcom Inc 1.20%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class C 1.20%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
ME Meta Platforms Inc. 1.15%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
TS Tesla Inc 0.92%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Top 10 total 17.73%
Looking through the ETFs, the top underlying positions are dominated by large, well‑known growth names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. These positions appear via the ETFs, not as direct single‑stock bets. Together, the top ten underlying companies only represent about 18% of the portfolio, which means no single name dominates overall risk. Still, because some giants show up in both funds, there is a hidden tilt toward mega‑cap growth. Overlap is likely higher than shown because only ETF top‑10s are included, but the current picture suggests broad diversification with a modest focus on global leaders.
Factors
Factor exposure data shows strong tilts toward momentum and size. Momentum means the portfolio leans toward stocks that have recently done well; such strategies often shine in trending markets but can suffer during sudden reversals. Size exposure here reflects a meaningful allocation to smaller companies, which historically can offer higher long‑term returns but also greater volatility. Factor investing basically looks at these traits as “ingredients” driving performance. Your dominant momentum and size tilts suggest the portfolio may outperform during strong bull phases, but drawdowns could feel sharper when markets flip direction quickly. Average signal coverage is modest, so factor views are helpful but not ultra‑precise.
Risk contribution
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Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 80.00% 77.9% -
iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
Weight: 20.00% 22.1%
Risk contribution shows how much each holding adds to overall volatility, which can differ from its weight. Here, the large global ETF at 80% weight contributes about 78% of total risk, while the 20% small‑cap ETF contributes roughly 22% of risk. That means the smaller, more volatile fund pulls slightly more than its weight in terms of fluctuations, which is what you’d expect from small caps. Nothing looks wildly disproportionate: risk is roughly aligned with position sizes. If at some point you wanted to dial volatility down, trimming the more aggressive component would have an outsized effect on the portfolio’s overall ups and downs.
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 mix sits slightly below the efficient frontier. The efficient frontier represents the best possible return for each risk level using only your existing holdings but with different weights. The optimal and minimum‑variance points coincide here, showing about 11.61% expected return with 16.25% risk and a Sharpe ratio of 0.65, versus 11.23% and 16.63% (Sharpe 0.56) for the current setup. The Sharpe ratio is a simple measure of return per unit of risk. This suggests that by gently reweighting the two ETFs, it’s possible to get a somewhat smoother and slightly higher expected return profile without adding new products.
Ongoing product costs
- iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.22%
The weighted ongoing cost (TER) of about 0.22% per year is impressively low for such broad global exposure. Fees act like a constant headwind: the less you pay, the more of the market’s return you keep. Over decades, even a 0.3–0.5% difference can compound into a meaningful amount. Here, both ETFs are cost‑effective, and the overall fee level aligns with best practices for passive investing. Keeping costs low is one of the few things investors can control directly, and this setup does that very well, supporting better long‑term performance without sacrificing diversification.
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