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Comfortable global equity autopilot with a secret tech crush and quietly expensive taste

Report created on May 7, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is three ETFs in a trench coat pretending to be sophisticated. Seventy percent in a global all‑in‑one fund, 20% in the S&P 500 on top of that, and 10% in an emerging markets value tilt. The structure says “I like diversification,” but then double‑counts US large caps for no real structural gain. It’s basically a world fund, a US fund that heavily overlaps it, and a niche factor satellite. That’s fine mechanically, just a bit redundant. Think of it as ordering a combo meal, then adding a side of fries and extra fries. It still works, but the design is more “vibes” than intentional architecture.

Growth Info

Historically, this thing has ripped. Turning €1,000 into €1,624 in under three years with a 21.37% CAGR is flashy. CAGR (Compound Annual Growth Rate) is just your average yearly speed over the whole ride. You even outpaced both the US market and global market by around 1.6–1.8 percentage points per year. The catch: a -21.49% max drawdown is not a gentle dip; that’s a proper gut check. Recovery took about six months, which is decent but not painless. And 90% of returns came from just 20 days — a reminder that missing a handful of good days would have turned this hero story into something much more average.

Projection Info

The Monte Carlo projection basically says, “Expect a wild but tilted‑in‑your‑favor coin flip.” Monte Carlo just means the computer runs thousands of random future paths using past volatility and returns as a rough guide. Median outcome: €1,000 becomes about €2,878 in 15 years, which is nice but not yacht money. The p5–p95 range (€1,056–€7,565) shows that outcomes could be anything from “barely ahead of inflation” to “very smug at parties.” The 77% chance of a positive return is decent, but that still leaves a chunky 23% odds that you look back and mutter about risk. Past data is yesterday’s weather, not a prophecy.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, no chaser. For something labeled “Balanced Investors” with a 4/7 risk score, this is more “balanced” in spirit than in actual design. There’s no bonds, no cash buffer, no alternative assets — just equities all the way down. That’s great when markets cooperate; less fun when everything risk‑on decides to fall together. Putting everything into one asset class is like building a house with only glass: looks impressive in good weather, feels very exposing in a storm. The portfolio is honest about what it is, though: a straight equity bet wearing a slightly conservative name tag.

Sectors Info

  • Technology
    31%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Under the hood, this is a tech‑leaning global equity portfolio with a side of financials. Technology at 31% is a “tech addiction detected” level tilt, whether intentional or just accidentally following cap‑weighted indexes. Financials at 16% and industrials and consumer discretionary at 10% each round things out into a pretty classic growth‑heavy mix. The telecom and healthcare slices add some flavor but aren’t big enough to change the story. Sector-wise, this behaves like a modern global index: heavily tied to how a handful of tech‑adjacent giants feel on any given day. If global tech sneezes, this portfolio catches the cold immediately.

Regions Info

  • North America
    67%
  • Europe Developed
    10%
  • Asia Developed
    9%
  • Asia Emerging
    7%
  • Japan
    4%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, this is “America or bust, but we’ll pretend it’s global.” North America at 67% dominates everything, with Europe Developed and Asia Developed barely getting a supporting role at 10% and 9%. Asia Emerging at 7% plus Japan and others add some color, but the main act is still the US. For a European client, it’s almost funny how little home region flavor actually appears — Europe Developed at 10% is more cameo than starring role. This is effectively a US‑centric world portfolio with a few international decorations, so its fate is tied closely to how the US market behaves over time.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    34%
  • Mid-cap
    15%

Market cap exposure is heavily tilted to the giants: 50% mega‑cap, 34% large‑cap, and only 15% mid‑cap. This is the standard “let the winners decide everything” setup. Mega‑caps bring stability in normal times but also create a weird dependence on the mood of a tiny club of corporate behemoths. Mid‑caps get a small seat at the table but don’t exactly drive the bus. So despite owning “the world,” actual decision‑making power is concentrated in a handful of very large companies. If the mega‑cap party keeps going, great. If not, this portfolio doesn’t have much in the way of scrappy underdogs to pick up the slack.

True holdings Info

  • NVIDIA Corporation
    4.81%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    4.23%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    3.01%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    2.27%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.09%
    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
  • Alphabet Inc Class A
    1.89%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.60%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.58%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.42%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    1.19%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 24.09%

The look‑through holdings tell the real story: this is a fan club for a few giant names. NVIDIA, Apple, Microsoft, Amazon, TSMC, Alphabet (twice), Broadcom, Meta, and Tesla are all packed in via overlapping ETFs. You’re basically holding a diversified wrapper that feeds you the same handful of megacap growth stocks from multiple angles. With only ETF top‑10s available, overlap is likely understated — there’s probably even more duplication buried in the rest. This isn’t a diversified vote across thousands of companies so much as a weighted confidence vote in the usual tech‑centric celebrity lineup. The packaging looks broad; the engine is very concentrated.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 70.00%
    69.3%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 20.00%
    21.1%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    9.6%

Risk contribution is unusually tidy: the 70% global ETF contributes about 69% of total risk, the 20% S&P slice contributes roughly 21%, and the 10% EM value adds just under 10%. Risk contribution just means: who’s actually causing the ups and downs, not just sitting there looking big. Here, each holding pulls risk roughly in line with its weight, which is pleasantly boring. The downside: if one fund misbehaves, it drags the portfolio exactly as much as its size suggests. No hidden landmines, but also no surprisingly stabilizing hero either. It’s a simple three‑engine plane where each engine matters exactly as much as it looks.

Redundant positions Info

  • SPDR S&P 500 UCITS ETF USD Acc EUR
    SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    High correlation

Correlation-wise, the S&P 500 ETF and the ACWI ETF move almost identically. Correlation is just how often things go up and down together — like two friends who always react the same way at parties. Holding both is less “extra diversification” and more “same movie, different angle.” In a crash, they are likely to fall in sync, so this second US fund is not really adding a new shock absorber. It’s like buying two umbrellas for the same person but leaving everyone else in the rain. Structurally fine, just not the diversification magic trick the second ticker might pretend to be.

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 efficient frontier chart, this portfolio is basically leaving free money on the table. The efficient frontier is the curve showing the best possible return for each risk level using just your existing ingredients. Your current spot has a Sharpe ratio of 1.2 (return per unit of risk), while the optimal mix of the same ETFs hits 1.76 — a big jump. Even the minimum variance version beats you with a Sharpe of 1.43 at similar risk. Sitting 1.98 percentage points below the frontier at this risk level is like running a race with your shoelaces half‑tied: you finish, but not as well as you easily could.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.36%

Costs are the sneaky weak spot. A total TER of 0.36% for what is mostly plain‑vanilla broad equity exposure is definitely on the pricey side. TER (Total Expense Ratio) is the yearly fee drag — like a slow leak in your returns. Paying 0.40–0.45% for straightforward index and factor exposure in 2026 is like gladly paying boutique prices for supermarket wine. It won’t ruin you, but it quietly chews a chunk off long‑term compounding. Fees don’t show up on statements as big red losses; they just make every future chart a little lower than it had to be.

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