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Mildly diversified world tracker with a secret tech crush hiding behind value window dressing

Report created on Apr 12, 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

This “balanced” portfolio is basically one big global fund wearing a pair of value-factor sunglasses. Seventy percent in a single ACWI ETF, plus another 10% in an S&P 500 fund that overlaps heavily, and two 10% value-factor slices tacked on like decorative stickers. It looks diversified at first glance, but under the hood it’s “global index with a small personality twist.” That’s not automatically bad, but it’s definitely not as clever as it thinks it is. The big takeaway: structurally fine, but slightly redundant. If the goal was elegance, this is more like wearing two nearly identical jackets at once and calling it a wardrobe.

Growth Info

The historical performance is the part that’s trying to save this portfolio’s ego. A 20.29% CAGR from late 2023 to 2026 is spicy, beating both the US market and global market by over 2 percentage points a year. CAGR (compound annual growth rate) is just the smooth average speed of your money over time. Max drawdown around -21% shows it can still punch you in the face when markets wobble, but it actually fell less than the US benchmark. The catch: this is a very short, very favorable window. Past data is like yesterday’s weather — nice to brag about, terrible to rely on for a 20-year plan.

Projection Info

The Monte Carlo projection basically says, “You’ll probably be okay, but don’t get cocky.” Monte Carlo is just a fancy way of running thousands of what-if simulations using historical-ish patterns to see possible futures. Median outcome turning €1,000 into about €2,742 over 15 years (around 8% a year) is reasonable, not heroic. But the range is wide: from barely above your starting point to over €7,500. That’s the reality of equity-only portfolios — returns are lumpy and the future doesn’t care about your spreadsheet. Use these numbers as rough weather forecasts, not a guaranteed script.

Asset classes Info

  • Stocks
    100%

Asset class breakdown: 100% stocks, 0% everything else. So “Balanced Investor” in name, full-equity adrenaline junkie in practice. There’s no bonds, no cash buffer, no diversifiers — just pure market roller coaster. In good times, this feels genius; in bad times, it feels like a stomach pump. Relying only on equities is like only owning a sports car and calling it your winter vehicle too. It can work, but you’d better be ready for some skids. If the real risk tolerance is lower than the labelling implies, the mismatch will show up the first time markets drop 30%.

Sectors Info

  • Technology
    29%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector mix: tech at 29% is the main character, everything else is supporting cast. Financials, industrials, and consumer discretionary are there, but tech is clearly driving the bus. For a portfolio pretending to like “value,” that’s a pretty solid growth‑tilted love affair. When tech booms, you look brilliant. When tech derates, suddenly “broad diversification” feels more like one big thematic bet in disguise. Sector tilt isn’t evil, but it’s good to realize you’re effectively saying, “My future depends a lot on one big part of the economy continuing to crush it.” Not exactly neutral.

Regions Info

  • North America
    60%
  • Europe Developed
    13%
  • Asia Developed
    9%
  • Asia Emerging
    7%
  • Japan
    6%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geography-wise, this is basically “US plus some garnish.” About 60% in North America, and a long tail of small allocations elsewhere: Europe, developed Asia, emerging markets, Japan, the rest squeezed into single digits. So yes, there is global seasoning, but the main dish is clearly US-heavy. That’s normal for market-cap-weighted indexes, but let’s not pretend this is some heroic contrarian global play. When the US sneezes, this portfolio still catches the flu. The upside: you’re aligned with where markets actually are today. The downside: you’re betting heavily that the current global hierarchy keeps holding.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    37%
  • Mid-cap
    15%

Market cap breakdown: 47% mega-cap, 37% large-cap, 15% mid-cap, and small caps are basically missing, probably wandering outside the party. This is textbook “own the giants and ignore the scrappy upstarts.” Mega-caps make things smoother and more predictable, but also more tied to a handful of gigantic companies dominating indices. It’s like eating only from the big chain restaurants — usually fine, rarely exciting. If small caps outperform in a future cycle, this portfolio will watch from the sidelines, politely clapping while quietly underperforming. On the other hand, you do avoid a lot of small-cap chaos.

True holdings Info

  • NVIDIA Corporation
    4.02%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    3.54%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.48%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.12%
    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
    1.90%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.61%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.34%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.34%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.19%
    Part of fund(s):
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    1.01%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 UCITS ETF USD Acc EUR
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 20.55%

The look-through holdings scream, “I track the world, but I really mean ‘US mega tech.’” NVIDIA, Apple, Microsoft, TSMC, Amazon, Alphabet, Meta, Tesla — it’s basically the usual suspects doing the heavy lifting. The top names pop up via multiple ETFs, but since we only see top-10 positions, the true overlap is almost certainly worse than advertised. Hidden concentration like this is sneaky: it feels diversified, but when those big boys sneeze, your whole portfolio catches a cold. Main lesson: global ETFs don’t magically diversify away dominance — they just wrap it in a nicer label.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 70.00%
    70.4%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 10.00%
    10.6%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 10.00%
    10.0%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    9.0%

Risk contribution is basically asking, “Who’s actually rocking the boat?” Unsurprisingly, the 70% ACWI holding contributes about 70% of the total risk — it’s the captain, not a passenger. The S&P 500 slice adds another 10.6% of risk, and the EM value ETF almost 10% more. Top three positions driving 91% of total risk means the last fund is basically background noise. Risk contribution shows that the side funds don’t meaningfully change the ride; they’re like hanging air fresheners in a speeding car. If the goal is to shape risk, you’d need more decisive sizing, not tiny cosmetic tweaks.

Redundant positions Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    SPDR S&P 500 UCITS ETF USD Acc EUR
    High correlation

You managed to hold two funds that move almost identically: the S&P 500 ETF and the global ACWI ETF. Asset correlation measures how often things dance in sync; here, those two are basically doing a perfect TikTok duet. That means, when one goes down, the other is probably right there with it. This isn’t diversification; it’s duplication with extra paperwork. You’re paying with complexity, not getting much in return. If the idea was to boost US exposure, mission accomplished — just acknowledge that “two tickers” doesn’t equal “two different risk engines” in this case.

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 is quietly roasting this portfolio. The current setup has a Sharpe ratio of 1.15, sitting a chunky 3.43 percentage points below what could be achieved with the same ingredients but smarter weights. The efficient frontier is just the curve showing the best possible return for each risk level. Right now, you’re choosing “fine” when “better with no extra pain” is literally available by reweighting. The max Sharpe version gets higher returns for slightly more risk; the min-variance version gets similar return with less risk. Translation: this isn’t broken, it’s just lazily assembled.

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) 0.38%

Costs are… tolerable, but not brag-worthy. A blended TER of 0.38% is okay, yet hardly rock-bottom for what is mostly plain-vanilla index exposure. You’re basically paying “slightly premium supermarket” prices for generic pasta. The ACWI ETF at 0.45% is the main culprit — global wrapper, global fee. For a portfolio that’s not doing anything especially exotic, the costs nibble a noticeable chunk over decades. The upside: at least you didn’t wander into 1%+ nonsense territory. Fees are under control enough that you don’t need to stage an intervention — just maybe glance at cheaper shelves occasionally.

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