Globally diversified stock portfolio with strong US tilt and efficient low cost core building blocks

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 portfolio is built from just three broad equity ETFs, with roughly three-quarters in a global fund and the rest split between two S&P 500 trackers. So it’s a very “all‑in on stocks” approach, but using diversified index funds rather than single names. Structurally, this is a classic core buy‑and‑hold setup: one global anchor plus some extra US exposure on top. That kind of simplicity is powerful because it’s easy to understand and maintain. For someone who wants to stay fully invested in stocks, this structure offers a clean way to capture global equity returns without constantly tinkering with lots of separate positions.

Growth Info

Historically, €1,000 grew to about €1,932 over just over six years, a compound annual growth rate (CAGR) of 11.13%. CAGR is like your average speed on a long road trip, smoothing out all the bumps along the way. The worst drop was around -33.5% during early 2020, similar to both US and global markets, and it took about ten months to recover. You lagged the US market by 1.45% a year but beat the global market by 0.48% a year, which is a solid outcome. Remember, this is backward‑looking: past returns and drawdowns show how the mix behaved, not what it will necessarily do next.

Projection Info

The Monte Carlo projection takes the portfolio’s past risk and return profile and simulates 1,000 different 15‑year futures, effectively “remixing” history to see a range of possibilities. The median outcome turns €1,000 into about €2,812, with a wide but plausible range from roughly €1,066 to €7,666. That implies an average simulated annual return of 8.23%, with roughly three chances out of four of ending up ahead of cash. These numbers aren’t predictions; they’re more like weather scenarios based on historical data. The key takeaway is that long‑term outcomes with 100% equities can vary a lot, but most simulated paths still end higher than where they started.

Asset classes Info

  • Stocks
    100%

Everything here is in stocks, with 0% in bonds, cash, or alternatives. That means all your risk and return comes from equity markets, with no built‑in cushion from more stable assets. Pure‑equity setups can be great for long horizons because they maximize growth potential, but they also expose you fully to market swings and big temporary losses. For a “balanced” risk score of 4/7, this is actually on the aggressive side in asset‑class terms, even though the holdings are very diversified within stocks. Anyone using a mix like this should be comfortable watching the portfolio drop 30–50% at times without needing to sell.

Sectors Info

  • Technology
    28%
  • Financials
    16%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector‑wise, the portfolio leans heavily toward technology at 28%, with meaningful exposure to financials, industrials, consumer, and health‑care areas, plus smaller slices in energy, materials, utilities, and real estate. This is broadly in line with today’s global equity benchmarks, where tech and tech‑adjacent firms dominate the top weights. A tech‑heavy profile tends to benefit when growth stocks are in favor and interest rates are stable or falling, but it can feel more volatile when rates rise or sentiment turns against high‑growth names. The positive here is that non‑tech sectors are still well‑represented, so you’re not betting everything on a single industry.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, roughly 72% sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a small allocation to emerging regions. That’s very close to the current global market weightings, which are also US‑heavy. This alignment with global benchmarks is actually a strength: it means you’re capturing the world’s equity opportunity set in roughly the same proportions as the overall market. The flip side is that your results will be strongly influenced by the US economy and currency. Over decades, that’s been rewarding, but it does mean a lot of your risk is tied to one region’s fortunes.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    1%

By market cap, almost half the portfolio sits in mega‑caps and another third in large‑caps, with only about 18% in mid‑ and small‑caps. That’s typical for broad index funds: bigger companies get bigger weights simply because they’re worth more in the market. Large and mega‑caps tend to be more stable and easier to hold emotionally during volatility, but they can offer less “oomph” than smaller, riskier names in some cycles. The relatively small small‑cap allocation means you’re getting a smoother ride than an all‑cap equal‑weight strategy, but you’re also less exposed to the potential long‑term small‑cap premium.

True holdings Info

  • NVIDIA Corporation
    4.98%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Apple Inc
    4.58%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Microsoft Corporation
    3.45%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Amazon.com Inc
    2.40%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Alphabet Inc Class A
    2.15%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Broadcom Inc
    1.76%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Alphabet Inc Class C
    1.73%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Meta Platforms Inc.
    1.68%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Tesla Inc
    1.34%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
    • Vanguard S&P 500 UCITS Acc
    • iShares Core S&P 500 UCITS ETF USD (Acc)
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.19%
    Part of fund(s):
    • Vanguard FTSE All-World UCITS ETF USD Accumulation
  • Top 10 total 25.27%

Looking through the ETFs, the biggest underlying exposures are the usual mega‑cap giants: Nvidia, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and TSMC. These show up via multiple funds, so there’s hidden concentration in a handful of huge companies even though you only hold three ETFs. Because we only see each ETF’s top 10, the true overlap is likely even higher. This is normal for cap‑weighted index investing but worth being aware of: big tech‑related names will heavily influence returns, both on the upside and when these leaders hit a rough patch.

Risk contribution Info

  • Vanguard FTSE All-World UCITS ETF USD Accumulation
    Weight: 75.63%
    74.7%
  • Vanguard S&P 500 UCITS Acc
    Weight: 19.65%
    20.4%
  • iShares Core S&P 500 UCITS ETF USD (Acc)
    Weight: 4.72%
    4.9%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the global ETF at 75.63% weight contributes about 74.66% of the risk, and the two S&P 500 ETFs contribute slightly more risk than their weights. That tight alignment (risk/weight ratios near 1) is a positive sign: no single fund is secretly dominating volatility. In practical terms, your risk is spread in a very straightforward way across the three ETFs. If you ever wanted to dial risk up or down, small changes in these weights would translate pretty cleanly into changes in overall portfolio volatility.

Redundant positions Info

  • iShares Core S&P 500 UCITS ETF USD (Acc)
    Vanguard FTSE All-World UCITS ETF USD Accumulation
    Vanguard S&P 500 UCITS Acc
    High correlation

All three ETFs move very closely together, with pairs that are almost perfectly correlated. Correlation just means how often investments move in the same direction; here, they mostly rise and fall together because two are S&P 500 trackers and one is a global fund heavily dominated by US stocks. This high correlation limits the diversification benefit you get from holding multiple funds — they smooth company‑specific risk but not broad market risk. That’s not a flaw, just the reality of a pure‑equity, index‑based strategy. When global equities drop sharply, this portfolio is likely to move down in unison rather than having parts that offset the fall.

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, your current mix has a Sharpe ratio of 0.48, while the optimal combo of these same three ETFs reaches 0.7 with slightly higher risk, and the minimum‑variance mix gets 0.63 with similar risk. The Sharpe ratio measures return per unit of risk, like “how much reward for each bump in the road.” Your portfolio sits on or very close to the efficient frontier, meaning that given these three holdings, the allocation is already doing a strong job. There’s not much extra benefit to be squeezed out from reweighting; you’re broadly getting a fair trade‑off between risk and expected return.

Ongoing product costs Info

  • iShares Core S&P 500 UCITS ETF USD (Acc) 0.12%
  • Vanguard S&P 500 UCITS Acc 0.07%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
  • Weighted costs total (per year) 0.16%

Your average ongoing cost (TER) across the three ETFs is about 0.16% per year, which is impressively low. TER is the annual fee the fund charges, taken out of returns behind the scenes — a bit like a small “management tax” you don’t see directly. Staying in this cost range is a real advantage: shaving even a few tenths of a percent annually can add up to thousands of euros over decades as returns compound. These low‑fee, broad‑market ETFs are a strong foundation from a cost perspective and line up nicely with best practices for long‑term passive investing.

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