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Two equity funds one personality and a mild obsession with America and megacap tech

Report created on May 21, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This “balanced” portfolio is basically a two‑fund equity monolith in a trench coat. Seventy‑five percent is a plain S&P 500 tracker, the other 25% is an emerging‑markets value factor toy, and that’s it. On paper it looks minimalist; in reality it’s just one big global-ish equity bet with a decorative EM value garnish. Calling this “moderately diversified” is generous — it’s more like owning one giant stock market with a side quest in cheaper emerging names. The structure is simple enough, but the personality clash between slick US megacap growth and scruffy EM value makes the mix feel more accidental than thoughtfully engineered.

Growth Info

The past performance chart makes this thing look like a genius move: €1,000 turning into €1,805 in about two and a half years and a 26.13% CAGR is “hero in a bull market” territory. Beating both the US market and global market by 4–5 percentage points per year is impressive, but let’s not pretend this is skill. It’s a product of a tech‑heavy rip and some EM value not totally embarrassing itself. Max drawdown at -22.22% still hurt plenty; the ride wasn’t free. CAGR (compound annual growth rate) is just the smooth average — reality was spikier and a lot less glamorous while it happened.

Projection Info

The Monte Carlo simulation is the part where math says “calm down.” It throws the portfolio into 1,000 alternate futures and sees where €1,000 lands after 15 years. Median outcome of €2,705 with an 8.04% annualized return is far less heroic than the recent 26% sprint, which is exactly how gravity works. The range from about €958 to €7,588 is the market’s way of saying “anything can happen.” Simulations are like weather models: helpful but wildly overconfident. This portfolio looks fine probabilistically, but there’s nothing magical here — just an equity-heavy bet that works nicely when the wind cooperates and sulks when it doesn’t.

Asset classes Info

  • Stocks
    100%

Asset allocation here is “stocks and only stocks,” with 100% in equities and exactly 0% in anything that might calm things down. It’s the financial equivalent of only drinking espresso and wondering why sleep seems optional. For something labeled “balanced,” the asset mix is about as balanced as a one‑legged stool. No bonds, no cash buffer, no diversifiers — just pure market risk in slightly different flavors. That’s great when markets behave and brutal when they don’t. The lesson: if everything in the portfolio has the same basic risk engine, the whole thing tends to move like a single oversized position, not a symphony of diversifiers.

Sectors Info

  • Technology
    37%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Industrials
    7%
  • Health Care
    7%
  • Energy
    5%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio is unapologetically tech‑drunk: 37% in technology, then a big step down to financials at 13% and consumer discretionary at 10%. This isn’t a quiet tilt; it’s a full-on bet that “future equals chips, code, and platforms.” When a single sector dominates like that, it stops being background noise and starts being the main storyline. Tech booms? You look like a genius. Tech stalls or gets regulated into a corner? Suddenly that 37% doesn’t feel so cute. Compared with broader indexes that at least pretend to balance sectors, this portfolio is very comfortable living and dying by the same handful of themes.

Regions Info

  • North America
    75%
  • Asia Developed
    13%
  • Asia Emerging
    8%
  • Latin America
    3%
  • Europe Emerging
    1%
  • Africa/Middle East
    1%

Geographically, this is “America with guest appearances from the rest of the world.” Seventy‑five percent in North America makes everything else look like subtitles: 13% Asia developed, 8% Asia emerging, and low‑single‑digits sprinkled across Latin America, Europe emerging, and Africa/Middle East. So yes, there is international diversification, but it’s clearly a side character. This US‑first approach tracks the global market’s current dominance but also means the portfolio’s fate is chained to US policy, regulation, and tech valuations. If the US sneezes, this thing catches a cold. The non‑US exposure helps, but it’s more a painkiller than a cure.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    33%
  • Mid-cap
    15%
  • Small-cap
    1%

Market cap exposure screams “index mainstream”: 50% mega‑cap, 33% large‑cap, mid‑caps at 15%, and small‑caps tossed a token 1%. This is less a tilt and more a surrender to the giants. When half the money sits in mega‑caps, a few household names quietly decide how the show ends. It’s convenient and liquid, but not exactly imaginative. Any talk of “owning the full spectrum of companies” is marketing fluff when small caps get almost no say. The upside is stability compared with more speculative blends; the downside is that the portfolio is permanently camped where everyone else already is.

True holdings Info

  • NVIDIA Corporation
    5.86%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Apple Inc
    4.82%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Microsoft Corporation
    3.66%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Amazon.com Inc
    3.13%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.73%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Alphabet Inc Class A
    2.71%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Broadcom Inc
    2.39%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Alphabet Inc Class C
    2.16%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • SK Hynix Inc
    1.78%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Meta Platforms Inc.
    1.62%
    Part of fund(s):
    • State Street SPDR S&P 500 UCITS ETF (Acc)
  • Top 10 total 30.86%

The look‑through holdings confirm the obvious: this portfolio is basically a fan club for the usual megacap suspects. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, TSMC, Broadcom, SK Hynix — it’s like scrolling the leaderboard of the last tech bull run. With only ETF top‑10s included, the 5.86% in NVIDIA and 4.82% in Apple are probably underestimating the true dependency on these names. Hidden overlap means different tickers are often just different packaging for the same underlying giants. So diversification here is partly illusion: it’s less “lots of companies” and more “the same mega‑caps in slightly different wrappers.”

Risk contribution Info

  • State Street SPDR S&P 500 UCITS ETF (Acc)
    Weight: 75.00%
    75.8%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 25.00%
    24.3%

Risk contribution is refreshingly boring: the S&P 500 ETF is 75% of the weight and about 76% of the risk, while the EM value ETF is 25% of weight and 24% of risk. Risk/weight ratios near 1 show nothing is secretly hijacking volatility — no tiny wild card blowing up the charts. But that also exposes the obvious: almost all the drama comes from one core holding. When that S&P 500 engine revs, the portfolio flies; when it sputters, everything feels it. The EM sleeve isn’t a shock absorber; it’s just a smaller, wobblier wheel attached to the same chassis.

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 politely points out that this portfolio is actually pretty well put together given its ingredients. The current mix sits on or very near the frontier, meaning for this specific pair of funds, the risk/return trade‑off is about as good as it gets. Sharpe of 1.42 is solid, though the max‑Sharpe variant at 1.87 and the minimum‑variance at 1.67 show there are slightly smarter combinations using the same two toys. Still, this is not a clown allocation; it’s just narrow in scope. Within its tiny universe, the portfolio isn’t wasting much — it’s just chosen a very simple sandbox to play in.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • Weighted costs total (per year) 0.10%

Costs are one of the few places this portfolio doesn’t trip over its own feet. A total TER of 0.10% is pleasantly lean, especially when one of the funds charges 0.40% and the big S&P core drags the blended cost back down. This is not a fee disaster; it’s actually pretty tight. Think of TER (total expense ratio) as the annual rake the house takes — here, the house is barely skimming. You’re not paying first‑class prices for economy seats. For a portfolio this simple and index‑heavy, at least the cost structure isn’t adding insult to volatility.

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