Globally diversified stock portfolio with efficient risk balance and solid long term growth profile

Report created on Apr 9, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is a simple three‑fund, 100% equity setup: a global developed markets core at 80%, complemented by 10% emerging markets and 10% global small caps. That means almost everything is in stocks, with no bonds or cash buffer built into the structure. This kind of layout is easy to understand and maintain, which is a big plus for long‑term investing. Because all three funds are broad, index‑style products, the portfolio relies on global economic growth rather than specific stock picking. The main takeaway is that this is a straightforward, growth‑oriented equity portfolio that sacrifices short‑term stability for long‑term return potential.

Growth Info

Historically, €1,000 grew to about €2,360 over eight years, giving a compound annual growth rate (CAGR) of 11.33%. CAGR is like average speed on a road trip: it smooths all the bumps into one yearly number. That return slightly lagged the US market but basically matched the global market, which is actually reassuring for a diversified mix. The max drawdown of around -34% during early 2020 shows that the portfolio can fall sharply in crises, similar to major benchmarks. The main message: performance has been solid and in line with global stocks, but you must be able to sit through deep, temporary losses.

Projection Info

The Monte Carlo projection uses thousands of randomised paths based on historical patterns to estimate future outcomes. Think of it as replaying market history with the order of good and bad years shuffled to see many possible futures. Here, the median outcome roughly doubles to triples the money over 15 years, with an estimated 8.12% annualised return across simulations. The range is wide: some paths barely grow, others multiply several times. This underlines that even a sensible portfolio can have very different results depending on when crashes and recoveries happen. It’s a reminder that projections are guides, not promises, and time in the market really matters.

Asset classes Info

  • Stocks
    100%

All of the money is invested in stocks, with no allocation to bonds, cash, or alternatives. That pushes the portfolio firmly toward growth rather than capital preservation. A 100% equity stance tends to benefit long‑term returns but usually comes with larger drawdowns and more frequent swings along the way. For someone with a balanced risk label, this is on the aggressive side, though the internal diversification within equities helps. Over decades, such a profile can work well if the investor has stable income elsewhere and doesn’t need to sell during downturns. The big takeaway: time horizon and emotional tolerance must match this all‑stock approach.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is broad but clearly tilted: technology leads at 25%, followed by financials, industrials, consumer, and health care. This is quite similar to many global equity benchmarks, which is a good sign of diversification and alignment with the broader market. A tech‑heavy component can boost growth during innovation booms but may be hit harder when interest rates rise or when growth stocks fall out of favour. Meanwhile, smaller allocations to utilities, real estate, and staples mean less ballast from traditionally steadier sectors. Overall, the sector mix is modern and growth‑leaning, and it should behave similarly to the global stock market’s sector trends.

Regions Info

  • North America
    66%
  • Europe Developed
    15%
  • Japan
    6%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about two‑thirds of the exposure is in North America, with Europe, Japan, and other developed regions making up most of the rest and a modest slice in emerging markets. This is close to how global market indices are structured, so it lines up well with common benchmarks and global market capitalisation. The benefit is that the portfolio taps into many major economies and currencies, reducing dependency on any single non‑US region. The trade‑off is that returns are still heavily linked to the US, which has dominated in recent years but may not always do so. Overall, the geographic diversification is a genuine strength.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    31%
  • Mid-cap
    19%
  • Small-cap
    6%
  • Micro-cap
    1%

The portfolio leans strongly toward mega‑cap and large‑cap stocks, which together account for almost three‑quarters of the exposure. Mid‑caps and small caps still play a meaningful role, especially with the dedicated small‑cap ETF, but they are clearly secondary. Larger companies tend to be more stable, more widely followed, and often less volatile than smaller firms, which helps smooth returns a bit. At the same time, mid and small caps can add extra growth and diversification since they don’t always move in lockstep with giants. This size mix is well balanced for someone wanting broad market exposure with a slight growth tilt from smaller companies.

True holdings Info

  • NVIDIA Corporation
    4.04%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Apple Inc
    3.64%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Microsoft Corporation
    2.60%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Amazon.com Inc
    1.89%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class A
    1.70%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Alphabet Inc Class C
    1.42%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Broadcom Inc
    1.35%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Meta Platforms Inc.
    1.32%
    Part of fund(s):
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.16%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Tesla Inc
    1.07%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • iShares Core MSCI World UCITS ETF USD (Acc) EUR
  • Top 10 total 20.19%

Looking through the ETFs’ top holdings, a lot of exposure clusters in a handful of mega‑cap tech and growth names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. These companies appear in multiple funds, which quietly boosts their combined weight and influence on returns. Because only top‑10 ETF positions are captured, real overlap is likely even higher. This concentration isn’t automatically bad—these firms have driven much of recent market gains—but it does mean portfolio behaviour is closely tied to how this group performs. Anyone using a similar structure should be emotionally prepared for swings driven by a small number of giant companies.

Risk contribution Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    Weight: 80.00%
    79.8%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    10.8%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 10.00%
    9.4%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which isn’t always the same as its weight. In this case, the core world ETF makes up 80% of the portfolio and contributes almost exactly that share of risk, which is very aligned. The small‑cap fund contributes slightly more risk than its 10% weight, reflecting that smaller companies are typically more volatile. Emerging markets contribute slightly less risk than their weight, suggesting they’re not excessively amplifying volatility in this mix. Overall, risk is spread proportionally, and there’s no hidden single holding dominating the portfolio’s behaviour.

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 risk‑return chart, the current portfolio sits right on or very near the efficient frontier, which is excellent. The efficient frontier represents the best achievable return for each risk level using the existing holdings with different weightings. The Sharpe ratio of the current mix, at 0.6, is slightly below the theoretical maximum of 0.74 but not by much. That means the portfolio is already making good use of its components, with only marginal gains possible from reweighting. For a three‑fund structure, this is a strong outcome: the allocation is efficient for its risk level and doesn’t show obvious misalignment.

Ongoing product costs Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0.20%
  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • Weighted costs total (per year) 0.21%

The total ongoing cost (TER) of about 0.21% per year is impressively low for a globally diversified equity portfolio. TER, or Total Expense Ratio, is the annual fee the funds charge to operate; it’s quietly deducted inside the fund rather than billed separately. Keeping this figure low is one of the easiest ways to improve long‑term outcomes, because every euro not spent on fees stays invested and compounds. Relative to many active funds or complex products, this cost level is highly competitive and aligns with best practices for long‑term investors. Cost efficiency is a real strength of this setup.

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