This portfolio has only about 1 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Moderately cautious global mix with strong equity tilt and helpful ballast from bonds and gold

Report created on Apr 4, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

The portfolio is built around global stocks, with 75% in equities split between two broad funds. A further 15% sits in an ultrashort bond ETF, 5% in gold, and 5% in bitcoin. This creates a “core and satellites” structure: diversified global stock core, plus small diversifiers around it. For a cautious risk score, the equity share is on the higher side but cushioned by very low‑risk bonds and a small allocation to gold. The crypto slice adds a bit of speculative upside. Overall, it’s a simple, easy‑to‑understand layout that leans growth‑oriented while still including some shock absorbers.

Growth Info

Over the roughly one‑year period available, €1,000 grew to about €1,107, a compound annual growth rate (CAGR) of 10.48%. CAGR is like average speed on a road trip: it smooths bumpy days into one yearly figure. The portfolio had a maximum drawdown of -12.6%, meaning the worst peak‑to‑trough fall was noticeable but not extreme. It did better than the US market benchmark over this short span but lagged the global market benchmark by quite a bit. With only about a year of history, these numbers mainly show how it behaved in one market environment, not a full cycle, so they shouldn’t be treated as a long‑term pattern.

Projection Info

The Monte Carlo projection uses historical data to simulate thousands of possible 15‑year paths for the portfolio, a bit like running many “what if” storylines based on past ups and downs. The median outcome grows €1,000 to around €2,723, with a wide but plausible range around that. The average simulated annual return is 7.48%. However, with only about one year of actual history, these simulations rest on a very thin foundation. They are more a rough illustration of potential variability than a reliable forecast. The key takeaway is that outcomes can differ a lot, and even a cautious mix can experience long stretches of good or weak performance.

Asset classes Info

  • Stocks
    75%
  • Bonds
    15%
  • Other
    5%
  • Crypto
    5%

Asset‑class‑wise, the portfolio is 75% stocks, 15% bonds, 5% gold, and 5% crypto. For cautious investors, many “textbook” mixes might carry more bonds, but here the ultrashort bond piece is extremely low volatility and acts as a cash‑like stabilizer. Stocks drive most long‑term growth potential, while gold can sometimes soften equity sell‑offs and provide an alternative store of value. Crypto, at just 5%, is small enough not to dominate but still adds a speculative edge. Relative to broad global blends, this setup leans growth but still keeps a decent defensive anchor, which is a reasonable middle ground for someone willing to tolerate some bumps.

Sectors Info

  • Technology
    19%
  • Financials
    13%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Health Care
    6%
  • Telecommunications
    6%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is fairly broad: technology is the largest slice at 19%, followed by financials, industrials, consumer sectors, health care, telecoms, and smaller weights elsewhere. This sort of tech‑tilted but diversified profile is typical for global equity funds today, so it aligns well with common benchmarks. A higher tech weight can boost returns during innovation‑driven rallies but also tends to be more sensitive when interest rates rise or when growth stocks fall out of favour. The positive here is that no single sector dominates the portfolio; instead, there’s a healthy spread that should help avoid being overly reliant on one part of the economy.

Regions Info

  • North America
    51%
  • Europe Developed
    11%
  • Japan
    4%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 51% sits in North America, with smaller portions across Europe, Japan, other developed Asia, emerging Asia, and a modest sprinkling in other regions. That North America tilt is very much in line with global stock indices, which are heavily weighted to the US. This alignment with global market weights is a plus, as it mirrors how the world’s listed companies are distributed. The flip side is that performance is still strongly linked to the fortunes of one major region and its currency. The exposure to other areas, while smaller, does introduce useful diversification and keeps the portfolio from being fully tied to a single economy.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    25%
  • Mid-cap
    14%
  • No data
    5%
  • Small-cap
    2%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

The portfolio leans heavily toward larger companies: roughly a third in mega‑caps and another quarter in large‑caps, with more modest exposure to mid, small, and micro‑caps. Big firms tend to be more stable, more diversified businesses, which can make returns smoother than a small‑cap‑heavy approach. At the same time, the smaller slices in mid/small caps add some potential for higher growth and different return drivers. This market‑cap profile is very close to how global indices are constructed, which is a good sign that the equity core is well diversified across company sizes without taking on extreme small‑cap risk.

True holdings Info

  • NVIDIA Corporation
    3.00%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    2.88%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    1.96%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    1.52%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.35%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.14%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.11%
    Part of fund(s):
    • Avantis Global Equity UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.88%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    0.81%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    0.65%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 15.31%

This breakdown covers the equity portion of your portfolio only.

Looking through the funds, the top exposures are the big global names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and a few other large tech‑driven companies. Many appear across both equity ETFs, which means the true exposure to those giants is higher than any single fund suggests. Because only top‑10 ETF holdings are captured, the real overlap is probably understated. Hidden concentration like this is common in global funds, but it does mean a meaningful slice of returns is tied to a handful of mega firms. The upside is strong participation in global leaders; the trade‑off is greater dependence on their fortunes.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 55.00%
    65.5%
  • Avantis Global Equity UCITS ETF USD Acc EUR
    Weight: 20.00%
    23.7%
  • iShares Bitcoin ETP
    Weight: 5.00%
    9.4%
  • iShares Physical Gold ETC
    Weight: 5.00%
    1.5%
  • iShares € Ultrashort Bond UCITS ETF EUR (Acc)
    Weight: 15.00%
    0.0%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs. Here, the main global equity ETF, at 55% weight, contributes about 65% of total risk, and the second equity ETF, at 20% weight, adds roughly 24% of risk. Together with the 5% bitcoin position, these top three account for over 98% of portfolio risk. By contrast, the ultrashort bond fund and gold barely move the risk needle. This is normal: equities and crypto are simply much more volatile. If someone wanted the portfolio’s behaviour to feel more “cautious,” the lever is usually the size of the equity and crypto sleeves, not fine‑tuning within the defensive holdings.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Avantis Global Equity UCITS ETF USD Acc EUR
    High correlation

Correlation measures how assets move together, on a scale from -1 (opposite) to +1 (almost identical). The two global equity funds here are described as moving almost identically, which is expected: they both track broad global stocks, even if by different methods. High correlation between these two means they behave like one big equity block in most market conditions, so they don’t add much diversification relative to each other. The real diversification instead comes from pairing that equity block with bonds, gold, and a small crypto piece, which often react differently when markets are stressed, even if they’re not perfectly uncorrelated.

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.

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The risk‑return chart shows the portfolio sitting below the efficient frontier, which is the curve of the best achievable return for each risk level using the existing holdings. The Sharpe ratio, a measure of risk‑adjusted return, is 0.53 for the current mix, versus much higher values for both the max‑Sharpe and minimum‑variance combinations. In plain terms, the same ingredients could be blended in different proportions to get either more return for similar risk or less risk for a similar expected return. That said, these optimizations are based on a very short history and may be overfitting one year’s quirks, so they should be viewed as a hint rather than a precise roadmap.

Ongoing product costs Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • iShares Physical Gold ETC 0.25%
  • Weighted costs total (per year) 0.26%

The overall ongoing cost, a total TER of about 0.26%, is impressively low for a globally diversified, multi‑asset portfolio. TER, or Total Expense Ratio, is the annual fee charged by funds, a bit like a subscription cost expressed as a percentage of your investment. Keeping this cost down is powerful, because lower fees mean more of the portfolio’s returns stay in your pocket and can compound over time. For a cautious investor using broad index‑style building blocks, this fee level is firmly in the “efficient” range and supports solid long‑term performance without unnecessary drag. Cost‑wise, the structure is doing exactly what it should.

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