Globally diversified stock and gold mix balancing growth potential with relatively modest risk levels

Report created on Apr 10, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is very simple and clean: two global stock ETFs plus one gold ETC. Around 75% goes into a broad developed‑market equity fund, 15% into emerging‑market equities, and 10% into physical gold. That means roughly nine euros out of ten are in shares and one euro in a defensive “other” asset. A focused structure like this is easy to understand and maintain. The main implication is that most long‑term returns will come from global stock market growth, with gold acting more as a stabiliser. The key takeaway is that this setup gives straightforward global equity exposure without unnecessary complexity.

Growth Info

Over the last few years, a €1,000 investment grew to about €1,657, which translates into a compound annual growth rate (CAGR) of 11.13%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. This result slightly lagged the US market but clearly beat the broader global market, which is a solid outcome. The worst peak‑to‑trough fall, or max drawdown, was about -18.9%, milder than both benchmarks. That means the portfolio has delivered strong returns with somewhat gentler drops, a combination that lines up well with a cautious risk profile.

Projection Info

The Monte Carlo simulation runs 1,000 different “what if” paths for the next 15 years, based on how similar portfolios behaved in the past. Think of it as shaking a dice loaded with historical returns to see a spread of possible futures. The median outcome turns €1,000 into around €2,680, with most simulations landing between roughly €1,800 and €4,000. About three‑quarters of paths end positive. This helps set realistic expectations: results could be lower or higher than the central estimate, and past patterns may not repeat, especially if markets or interest rates behave very differently in future.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

By asset class, about 90% is in equities and 10% in gold. Equities are ownership slices of companies and are the main driver of long‑term growth but can be volatile year to year. Gold sits in the “other” bucket and often behaves differently from stocks, especially during stress periods, giving a modest diversification cushion. For a “cautious” label, 90% stocks is on the higher‑risk side compared to classic mixed stock‑bond portfolios, but the global spread and gold allocation help. Someone using this structure should be comfortable with equity ups and downs in exchange for higher growth potential.

Sectors Info

  • Technology
    25%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, the portfolio leans toward technology at around 25%, with meaningful exposure to financials, industrials, and consumer‑related areas, plus smaller slices in energy, materials, utilities, and real estate. This looks broadly similar to many global equity benchmarks, which is positive because it avoids big sector bets. A tech tilt can power strong returns when innovation and growth stories lead markets, but it can also mean extra sensitivity to interest‑rate changes or regulatory news. The main upside is that the sector mix is well-balanced overall, which supports diversification across different parts of the global economy.

Regions Info

  • North America
    56%
  • Europe Developed
    12%
  • Asia Developed
    7%
  • Asia Emerging
    6%
  • Japan
    4%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, more than half the portfolio is tied to North America, with the rest spread across Europe, Japan, other developed Asia, and smaller portions in emerging regions. This pattern is close to how global stock markets are weighted today, so it lines up well with standard benchmarks. Heavy North American exposure has helped in recent years because that region has been a strong performer. The flip side is that returns are still quite influenced by one major economy and currency. Overall though, the global spread across multiple regions supports resilience to localised economic shocks or policy changes.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    31%
  • Mid-cap
    14%

This breakdown covers the equity portion of your portfolio only.

The market‑cap mix is dominated by mega‑caps and large‑caps, together making up about three‑quarters of the equity allocation, with a smaller slice in mid‑caps. Market capitalization just means how big a company is in the stock market. Larger firms tend to be more stable and diversified businesses, which usually leads to slightly lower volatility than portfolios packed with smaller companies. This size profile is very similar to common global equity indices, which is a good sign. The main implication is that performance will be driven by big global players rather than more speculative smaller companies.

True holdings Info

  • NVIDIA Corporation
    3.78%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Apple Inc
    3.41%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Microsoft Corporation
    2.44%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.98%
    Part of fund(s):
    • iShares MSCI EM UCITS ETF USD (Acc)
  • Amazon.com Inc
    1.78%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class A
    1.59%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class C
    1.33%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Broadcom Inc
    1.26%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Meta Platforms Inc.
    1.24%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Tesla Inc
    1.00%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Top 10 total 19.82%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, the biggest underlying exposures are to large global names like NVIDIA, Apple, Microsoft, and other well‑known giants. These appear via the funds rather than as direct single‑stock bets. There is some overlap, meaning the same companies show up in both developed and emerging‑market ETFs, which increases hidden concentration in a handful of large firms. Because only top‑10 ETF holdings are captured, true overlap is likely higher. The education point here is that owning multiple broad funds doesn’t fully remove concentration in mega‑caps; they can still drive a big chunk of performance.

Risk contribution Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Weight: 75.00%
    82.6%
  • iShares MSCI EM UCITS ETF USD (Acc)
    Weight: 15.00%
    15.2%
  • iShares Physical Gold ETC EUR
    Weight: 10.00%
    2.2%

Risk contribution shows how much each holding adds to overall portfolio ups and downs, which can differ from its simple weight. Here, the developed‑market equity ETF is 75% of the portfolio but contributes over 82% of total risk, meaning it’s the main driver of volatility. Emerging markets sit close to their weight in risk terms, while gold’s 10% weight contributes only about 2% of risk, reflecting its defensive character. This is actually a healthy sign: the “safe” asset really is dampening swings. If someone wanted smoother behaviour, shifting weight from the main equity fund would matter most.

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.

The efficient frontier chart compares your current mix with the best possible combinations of the same three holdings. The Sharpe ratio, which measures return per unit of risk above the risk‑free rate, is 0.57 for the current portfolio, while the optimal mix sits at 1.43 with similar risk but much higher expected return. Being about 7.8 percentage points below the frontier at the same risk level means the existing weights aren’t using these ingredients as efficiently as possible. Reweighting between the three holdings, without adding new products, could significantly improve the balance between risk and return.

Ongoing product costs Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • iShares MSCI EM UCITS ETF USD (Acc) 0.18%
  • Weighted costs total (per year) 0.18%

Total ongoing costs are very low, with a portfolio‑level total expense ratio (TER) of about 0.18%. TER is the annual percentage taken by the fund provider to run the ETF, similar to a small “service fee.” These levels are impressively low and broadly in line with the cheapest global ETFs available. Over long periods, keeping costs down is one of the few things investors can fully control, and even small differences compound. Here, the cost structure strongly supports long‑term performance, which is a real strength and closely aligned with best practices in low‑cost, evidence‑based investing.

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