Global equity mix with strong US tilt and added value factor exposure for diversified stock market growth

Report created on May 26, 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 a simple four‑ETF, 100% equity mix built around broad global exposure plus value tilts. Half the allocation goes to a global all‑country index, creating a diversified core. Another 20% sits in a US large‑cap index, reinforcing the US weighting. The remaining 30% is split between developed and emerging markets value factor funds, which deliberately lean into cheaper‑priced stocks. Structurally, this is a straightforward, buy‑and‑hold style equity portfolio with no bonds or cash buffers. That clarity makes the behaviour easier to understand: it is designed to move with global stock markets, with an added twist from the value-tilted pieces that can cause it to behave differently from a plain index at times.

Growth Info

Over the measured period, €1,000 grew to about €1,782, a compound annual growth rate (CAGR) of 25.28%. CAGR is like average speed on a long drive, smoothing out bumps along the way. This comfortably outpaced both the US market and global market benchmarks, which delivered CAGRs of 21.91% and 20.85%. The portfolio’s worst peak‑to‑trough drop, or max drawdown, was -20.77%, similar to the benchmarks’ declines. The quick recovery within about five months suggests drawdowns, while sharp, have not been unusually prolonged. Only 27 trading days made up 90% of returns, underlining how a handful of strong days can drive overall performance and why staying invested has historically mattered.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate 1,000 possible future paths for the portfolio over 15 years. Think of it as running many “what if” weather forecasts for markets instead of just one straight-line prediction. The median outcome shows €1,000 potentially becoming about €2,760, with a central band from roughly €1,814 to €4,165. There’s also a wide possible range from around €923 to €7,802, reflecting that markets can deliver very different results over long stretches. An overall simulated annualised return of 8.08% is more modest than the recent historical CAGR, illustrating that past high returns do not automatically continue and that future outcomes can vary a lot.

Asset classes Info

  • Stocks
    100%

All holdings in this portfolio are equity ETFs, so the asset class split is a clean 100% stocks and 0% bonds or alternatives. That makes the overall risk profile directly tied to share market movements, without the dampening effect that bonds or cash can provide in downturns. From a diversification point of view, the portfolio spreads risk within equities across many companies and countries, but does not diversify across different asset classes. Many broad “balanced” reference portfolios mix equities and bonds; in contrast, this structure behaves more like a pure growth engine, which historically offers higher potential returns but also more pronounced ups and downs along the way.

Sectors Info

  • Technology
    34%
  • Financials
    15%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is clearly tilted toward technology at 34%, with the next largest areas being financials at 15% and industrials and consumer discretionary at 9% each. This is somewhat tech‑heavier than many global benchmarks, where technology is large but not always this dominant. A tech‑heavy profile can benefit strongly when innovation and digital platforms lead market gains, but it may feel sharper swings during periods of rising interest rates or when sentiment turns against growth‑oriented businesses. The presence of more defensive areas like health care, consumer staples, and utilities, though smaller, still offers some balance by providing exposure to sectors that often behave differently across economic cycles.

Regions Info

  • North America
    62%
  • Europe Developed
    12%
  • Asia Developed
    10%
  • Asia Emerging
    6%
  • Japan
    6%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, the portfolio leans strongly into North America at 62%, compared with many global indices where the US is also dominant but sometimes a little lower. Europe developed at 12% and Asia developed at 10% provide additional anchors, while Japan and emerging regions add further spread. Exposure to Asia emerging (6%), Latin America (2%), and Africa/Middle East (1%) offers a foothold in faster‑growing but more volatile markets. Overall, this mirrors the common global pattern of US leadership with meaningful, though smaller, weights elsewhere. That alignment with global market weights supports broad diversification, while still accepting that a lot of portfolio behaviour will be driven by what happens in the US.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    36%
  • Mid-cap
    15%
  • Small-cap
    1%

By market size, the portfolio is dominated by mega‑caps at 47% and large‑caps at 36%, with mid‑caps at 15% and only 1% in small‑caps. This looks very similar to standard global indices, where the biggest companies carry the most weight. Large and mega‑caps tend to be more established businesses with broader analyst coverage and more stable access to financing, which can translate into somewhat smoother behaviour than smaller, more speculative firms. At the same time, relatively low exposure to small‑caps means the portfolio captures less of the potential high‑growth, high‑volatility segment of the market. Overall, the capitalization mix is mainstream and helps keep risk aligned with widely used benchmarks.

True holdings Info

  • NVIDIA Corporation
    4.01%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Apple Inc
    3.30%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Microsoft Corporation
    2.42%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.14%
    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
  • Amazon.com Inc
    2.11%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class A
    1.84%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Broadcom Inc
    1.58%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class C
    1.52%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Micron Technology Inc
    1.33%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Meta Platforms Inc.
    1.11%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Top 10 total 21.36%

Looking through the ETFs, the largest underlying exposures are highly recognisable global giants like NVIDIA, Apple, Microsoft, TSMC, Amazon, Alphabet, Broadcom, Micron, and Meta. Each of these appears via the funds rather than as a direct single‑stock position. The overlap across ETFs means some names end up with several percentage points of total weight, creating a cluster around mega‑cap technology and communication services. This concentration is still spread across multiple companies rather than one dominant stock, but it does mean a portion of the portfolio’s performance is tied to the fortunes of a relatively small group of global leaders. Actual overlap is likely higher than shown, since only ETF top‑10 holdings are captured.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 50.00%
    49.9%
  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 20.00%
    20.8%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 18.00%
    16.9%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 12.00%
    12.5%

Risk contribution shows how much each ETF adds to overall portfolio ups and downs, which can differ from simple weights. Here, the 50% ACWI position contributes about 49.9% of total risk, almost exactly matching its size. The S&P 500 ETF at 20% weight contributes around 20.8% of risk, and the developed markets value ETF at 18% weight contributes 16.9%. The emerging markets value ETF at 12% weight adds 12.5% of total risk. Overall, risk is spread very proportionally to allocation, and the top three positions contribute 87.5% of total risk simply because they dominate the portfolio’s size. This alignment suggests no hidden “risk hot spot” where a small holding drives an outsized share of volatility.

Redundant positions Info

  • State Street SPDR S&P 500 UCITS ETF (Acc)
    SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    High correlation

The correlation data highlight that the S&P 500 ETF and the global ACWI ETF have moved almost identically historically. Correlation measures how assets move relative to each other, on a scale from -1 (opposite) to +1 (same direction). When two holdings are highly correlated, they often rise and fall together, offering less diversification benefit between them. In this portfolio, the strong linkage between the US and global core funds means they basically behave like closely related parts of the same engine rather than independent shock absorbers. Diversification benefits are therefore more likely to come from the value factor tilts and emerging markets exposure than from holding both core global and US index funds.

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 risk‑return chart shows this portfolio sits below the efficient frontier built from its own holdings. The efficient frontier is the curve of best possible returns for each risk level, using only different weightings of the existing ETFs. Here, the current Sharpe ratio—return per unit of risk—is 1.45, while the maximum Sharpe portfolio reaches 2.0 with slightly higher risk and return. The minimum variance mix has a Sharpe of 1.66 at slightly lower risk. Being about 2.54 percentage points below the frontier at the current risk level suggests the same four funds could be combined in a way that historically improved risk‑adjusted returns without needing any additional products, purely through a different internal weighting.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.33%

The weighted ongoing charges (TER) across the four ETFs average about 0.33% per year, which sits in a relatively low‑cost range for an all‑equity, factor‑tilted portfolio. Individual fund fees run from 0.30% to 0.45%, with the value and emerging markets strategies naturally costing a bit more than some ultra‑cheap plain index trackers. Costs matter because they are deducted every year, regardless of performance, and can compound over time. Keeping fees around a third of a percent means more of the portfolio’s gross return is retained. This is a solid cost structure and aligns well with best practices that favour simple, liquid, and reasonably priced building blocks for long‑term investing.

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