Global equity portfolio with a value tilt and strong diversification across regions sectors and company sizes
Report created on Aug 18, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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SP SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
SPYY - IE00B44Z5B48 70.00% -
IS iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
IS3S - IE00BD45HH35 20.00% -
5M iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
5MVL - IE00BG0SKF03 10.00%
This portfolio is built from just three broad equity ETFs, with 70% in a global all‑country fund, 20% in a developed‑market value factor fund, and 10% in an emerging‑market value factor fund. So it is simple in terms of number of holdings but still globally diversified through the underlying indices. Everything here is in stocks, with no bonds or cash included in the strategic mix. Using a core global ETF plus two value‑tilted satellites is a common “core and satellite” structure. It keeps implementation straightforward while still allowing a clear style tilt. The risk classification of 4/7 lines up with a pure‑equity approach that can see meaningful ups and downs.
Growth
From late 2018 to mid‑2026, €1,000 invested in this portfolio grew to about €2,753, which is a compound annual growth rate (CAGR) of 14.02%. CAGR is like average speed on a long drive: it smooths out the bumps along the way. The portfolio’s maximum drawdown, or largest peak‑to‑trough fall, was about ‑33% during the early 2020 market shock, similar to major indices. Compared with the US market reference, the portfolio lagged by about 2.2 percentage points per year, but it slightly beat the global market reference. That’s consistent with a more diversified, value‑tilted mix compared to a very US‑heavy growth benchmark.
Projection
The Monte Carlo projection simulates many possible 15‑year paths for this portfolio based on historical behaviour. Monte Carlo is basically a “what if” machine: it shakes the past around thousands of times to see a range of plausible futures. Here, the median outcome for €1,000 is about €2,827, with a fairly wide “likely” range of roughly €1,785 to €4,349. There’s a 73% chance of ending positive, and the average annualised return across simulations is 8.31%. These numbers are not promises; they just show how volatile equity‑only portfolios can be over long periods. Even with good average returns, the low end of the range stays close to the starting amount.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. Equities tend to offer higher long‑term growth potential but come with larger short‑term swings than fixed income. A 100% equity allocation means returns are driven almost entirely by company earnings and market sentiment, not by interest payments or credit risk. Compared with many “balanced” mixes that include bonds, this structure leans more towards growth and volatility. The upside is strong participation in equity market gains; the trade‑off is that there is no in‑built stabiliser from bonds during sharp equity sell‑offs. Any smoothing of the ride has to come from diversification within equities themselves.
Sectors
- Technology 33%
- Financials 17%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is tilted towards technology at about 33%, followed by financials at 17% and industrials at 10%, with the rest spread across consumer areas, health care, communications, energy, materials, utilities, and real estate. This is broadly in line with many global equity indices where technology has grown to a large weight. A tech‑heavy allocation often benefits during periods of innovation and low interest rates but can see sharper swings when rates rise or sentiment turns against growth themes. The presence of more cyclical and defensive sectors alongside tech helps balance some of that, supporting the strong diversification score in the overview.
Regions
- North America 57%
- Europe Developed 15%
- Asia Developed 10%
- Japan 8%
- Asia Emerging 6%
- Latin America 1%
- Africa/Middle East 1%
- Australasia 1%
- Europe Emerging 1%
Geographically, about 57% of the portfolio is in North America, with the rest spread across developed Europe, developed Asia, Japan, and a mix of emerging regions. This is closer to a global market‑cap pattern than many portfolios that are heavily concentrated in a single country. Being broadly spread reduces dependence on any single economy, policy regime, or currency. Compared with a pure global benchmark, this mix shows healthy exposure beyond North America, which can help when leadership rotates between regions. At the same time, the majority North American share means the portfolio still participates strongly when US and Canadian markets drive global returns.
Market capitalization
- Mega-cap 47%
- Large-cap 35%
- Mid-cap 17%
By market capitalisation, the portfolio leans strongly towards larger companies: 47% in mega‑caps, 35% in large‑caps, and 17% in mid‑caps. Mega‑caps are the very largest companies, often global household names, while mid‑caps are smaller, more growth‑oriented firms. This structure is typical of index‑based global portfolios, where the biggest companies dominate weights. Large and mega‑caps often bring more business diversification, mature cash flows, and sometimes lower volatility per company, but they can be more closely linked to overall market moves. The mid‑cap slice adds some extra dynamism and idiosyncratic drivers without moving the portfolio into very small, niche stocks.
True holdings
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NV NVIDIA Corporation 3.37%
Part of fund(s):- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
-
MU Micron Technology Inc 3.16%
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
-
AA Apple Inc. 3.00%
Part of fund(s):- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 2.54%
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
-
MS Microsoft Corporation 2.38%
Part of fund(s):- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
-
AM Amazon.com Inc 1.76%
Part of fund(s):- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
-
GO Alphabet Inc Class A 1.35%
Part of fund(s):- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
-
AV Broadcom Inc 1.26%
Part of fund(s):- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
-
GO Alphabet Inc Class C 1.05%
Part of fund(s):- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
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00 Samsung Electronics Co Ltd 0.91%
Part of fund(s):- iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
- Top 10 total 20.78%
Looking through the ETFs’ top holdings, several big names appear with meaningful combined exposure: NVIDIA, Micron, Apple, TSMC, Microsoft, Amazon, Alphabet, Broadcom, and Samsung all sit near the top. Many of these are major technology or technology‑related firms, and some appear across multiple funds, creating overlap. Since only ETF top‑10s are used, overlap is likely understated; true exposure to these giants is probably higher. This hidden concentration means that while the portfolio owns thousands of stocks indirectly, a noticeable share of performance will be driven by a relatively small group of global leaders, especially in tech and semiconductors.
Risk contribution
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SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
Weight: 70.00% 70.0% -
iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
Weight: 20.00% 20.0% -
iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
Weight: 10.00% 10.1%
Risk contribution shows how much each position adds to the portfolio’s overall ups and downs, which can be quite different from simple weight. Here, each ETF contributes to risk almost exactly in line with its weight: around 70%, 20%, and 10%, respectively. That symmetry suggests their volatilities and correlations are reasonably similar, with no single ETF being dramatically more volatile than the others. Top‑3 holdings together explain essentially 100% of the portfolio’s risk because they are the entire portfolio. From a risk‑management perspective, concentration therefore sits at the ETF level rather than in individual stocks, aligning neatly with the simple three‑fund structure.
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 shows that the current portfolio sits on or very close to the curve representing the best possible trade‑off between risk and return using these three ETFs. The Sharpe ratio, which measures return per unit of risk above the risk‑free rate, is 0.67 for the current mix versus 0.87 for both optimal and minimum‑variance versions. Those higher Sharpe ratios suggest that slightly different weightings of the same funds could, in theory, improve risk‑adjusted returns. However, the differences in risk and return are small, and being on or near the frontier indicates that, structurally, the allocation is already quite efficient for its chosen risk level.
Ongoing product costs
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
- Weighted costs total (per year) 0.32%
The weighted ongoing fee (TER) across the ETFs is about 0.32% per year, with the core global fund at 0.45%. TER is the annual management cost taken inside the fund; you don’t see it as a separate charge, but it slightly reduces returns each year. For a globally diversified, factor‑tilted equity portfolio, this overall cost level is moderate and generally supportive of long‑term compounding. Lower costs leave more of the underlying market performance in your pocket, especially over many years. Compared with typical active management fees, these charges are relatively lean, which is a positive structural feature of the portfolio.
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