Globally diversified stock portfolio with modest gold and bitcoin satellite positions for added diversification

Report created on May 27, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is built around a global stock core, with smaller allocations to gold and bitcoin. About half sits in a broad world equity fund, with another chunk focused on developed Europe and a dedicated slice to emerging markets. Gold and bitcoin together make up 15%, acting as “satellites” around the main stock holdings. Structurally, this looks like a straightforward equity portfolio with a relatively small tilt to alternative assets. That design keeps the main driver of returns tied to global companies, while giving some exposure to assets that can behave differently from stocks. The overall setup is easy to understand: one main global building block, two regional stock tilts, plus a modest allocation to diversifiers.

Growth Info

Over the period shown, €1,000 grew to €1,788, giving a compound annual growth rate (CAGR) of 12.57%. CAGR is the “average speed” of growth per year, smoothing out the ups and downs. The portfolio slightly lagged the US market index but outpaced the global market index, meaning it has kept up reasonably well while not being purely US-focused. The worst peak-to-trough decline, or max drawdown, was -18.04%, smaller than both comparison benchmarks. That matters because drawdowns show how painful bad periods can feel in real money terms. This combination of decent long-term growth and somewhat gentler declines indicates a balanced risk–return profile in recent years, though future conditions can differ.

Projection Info

The forward projection uses a Monte Carlo simulation, which is essentially thousands of “what if” paths based on past volatility and returns. Here, €1,000 over 15 years has a median outcome of about €2,753, meaning half the simulations end above that and half below. The likely middle range runs from roughly €1,833 to €4,094, while extreme but still plausible scenarios stretch from near breakeven to more than seven times the starting amount. Monte Carlo doesn’t predict a single future; it shows a distribution of possibilities. The 74.7% chance of ending with a gain highlights that positive outcomes were more common in the simulations, but not guaranteed. Any projection like this still depends heavily on historical patterns continuing.

Asset classes Info

  • Stocks
    85%
  • Other
    10%
  • Crypto
    5%

By asset class, around 85% is in stocks, 10% in “other” (gold), and 5% in crypto. That makes this overwhelmingly an equity portfolio with a small allocation to non-stock assets. In many global equity benchmarks, stocks would generally be close to 100%, so the gold and bitcoin portions slightly reduce pure equity exposure. Having multiple asset classes can help because they may react differently to economic shocks or interest rate changes. For example, gold has sometimes held value in periods when stocks struggled, while bitcoin has historically been more independent but also more volatile. This mix means most of the return and risk comes from stocks, with gold softening some moves and bitcoin adding a more speculative component.

Sectors Info

  • Technology
    22%
  • Financials
    16%
  • Industrials
    11%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Telecommunications
    6%
  • Crypto
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, the portfolio leans most toward technology at 22%, followed by financials at 16% and industrials at 11%. This is broadly in line with many global equity indices where technology and financials are usually among the largest sectors. Smaller slices in health care, telecoms, consumer goods, energy, utilities, and real estate round out the picture, indicating reasonably broad sector coverage. Including crypto as 5% of sector exposure introduces a very different type of risk driver, separate from traditional company sectors. Sector balance matters because different parts of the economy take turns leading and lagging. A tech-tilt, even a moderate one, can mean more sensitivity to growth expectations and interest rates, while exposure across defensives helps during more cautious phases.

Regions Info

  • North America
    36%
  • Europe Developed
    27%
  • Asia Developed
    8%
  • Asia Emerging
    6%
  • Japan
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, exposure is spread mainly across North America (36%) and developed Europe (27%), with additional stakes in developed and emerging Asia, Japan, and smaller regions. Compared with global market weights, this looks slightly more Europe-heavy and a bit less US-heavy. That brings the portfolio closer to a “global but not US-dominated” stance. Geographic mix matters because economic cycles, currencies, and policy decisions differ by region. Being present across many markets helps avoid relying on a single country’s fortunes. This allocation aligns well with the idea of global diversification and reduces the risk that any one region’s downturn fully dictates overall performance, while still keeping a significant share in large, developed markets that dominate world equity value.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    28%
  • Mid-cap
    12%

This breakdown covers the equity portion of your portfolio only.

The portfolio is tilted strongly to larger companies, with about 43% in mega-caps and 28% in large-caps, and a smaller 12% in mid-caps. This is very similar to standard global indices, which are market-cap weighted and naturally dominated by the biggest listed firms. Larger companies often have more established business models, diversified revenues, and easier access to financing, which can translate into more stable earnings compared to smaller firms. A cap structure like this tends to track the broad global market quite closely. The relatively modest mid-cap slice still allows some participation in companies that may grow faster but can also be more volatile, without letting that segment dominate overall risk.

True holdings Info

  • NVIDIA Corporation
    2.56%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.32%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • iShares MSCI EM UCITS ETF USD (Acc) EUR
  • Apple Inc
    2.15%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Microsoft Corporation
    1.66%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Amazon.com Inc
    1.40%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class A
    1.23%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Broadcom Inc
    1.06%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Alphabet Inc Class C
    0.99%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • ASML Holding N.V.
    0.78%
    Part of fund(s):
    • Vanguard FTSE Developed Europe UCITS
  • Samsung Electronics Co Ltd
    0.74%
    Part of fund(s):
    • iShares MSCI EM UCITS ETF USD (Acc) EUR
  • Top 10 total 14.89%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs’ top holdings, several big names appear across multiple funds, such as NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Overlap means those companies have a bigger combined influence than any one fund weight might suggest. For example, NVIDIA alone adds up to about 2.56% of the portfolio within the sampled top holdings, and other large tech names show similar patterns. Because only ETF top-10 holdings are included, the true overlap is likely higher than reported. Hidden concentration like this is common in global index-based portfolios, since the same mega-cap stocks feature in many indices. It does, however, mean that a handful of large companies drive a noticeable portion of portfolio performance.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 55.00%
    57.9%
  • Vanguard FTSE Developed Europe UCITS
    Weight: 20.00%
    19.9%
  • iShares MSCI EM UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    10.8%
  • Bitcoin
    Weight: 5.00%
    8.9%
  • iShares Physical Gold ETC EUR
    Weight: 10.00%
    2.6%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weight. The main world ETF is 55% of the portfolio but contributes about 58% of total risk, so its impact is roughly proportional to its size. The Europe and emerging-market funds also contribute risk in line with their weights. Bitcoin stands out: at only 5% weight, it contributes nearly 9% of total risk, reflecting its very high volatility. Gold does the opposite, contributing far less risk than its 10% weight. Overall, the top three positions drive almost 89% of risk, which is typical for a concentrated core-plus-satellite setup dominated by one large global holding.

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 compares your current mix with other combinations using the same holdings. Here, the current portfolio has a Sharpe ratio of 0.74, while the best risk-adjusted mix from these assets reaches 1.46, and the minimum-risk mix still has a Sharpe of 1.33. The Sharpe ratio measures return per unit of risk, after accounting for a risk-free rate — higher is better. Being 5.77 percentage points below the frontier at the same risk level suggests that simply reweighting these existing funds and bitcoin could, in theory, deliver higher expected return or the same return with less volatility. That doesn’t mean the current mix is “bad”; it just isn’t making full mathematical use of diversification among its components.

Ongoing product costs Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • iShares MSCI EM UCITS ETF USD (Acc) EUR 0.18%
  • Vanguard FTSE Developed Europe UCITS 0.10%
  • Weighted costs total (per year) 0.14%

Portfolio costs are very low, with an overall total expense ratio (TER) around 0.14%. TER is the annual fee charged by the funds to cover management and operational costs, taken directly from the fund’s assets. For context, many actively managed funds charge several times this level. Lower ongoing costs matter because they come off returns every single year; over decades, even small differences can compound into noticeable sums. This fee profile is well-aligned with best practices for broad, index-based investing. It means more of the portfolio’s gross returns stay in your hands rather than being eaten by charges, providing a solid structural advantage for long-term compounding compared with higher-fee alternatives tracking similar markets.

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