Globally diversified stock core with focused bitcoin and gold satellite positions for balanced growth

Report created on Apr 5, 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 very simple: about 80% in a global stock ETF, 10% in a bitcoin ETP, and 10% in a gold-backed product. That means one diversified equity fund is doing most of the long‑term compounding work, while bitcoin and gold play supporting roles. Structurally, this is a classic “core and satellite” setup, with the core in broad markets and satellites in alternative assets. This matters because it keeps decisions manageable and transparent: most outcomes will be driven by global equities, with crypto adding upside and risk, and gold acting more defensively. As a general takeaway, such a setup can be easier to monitor and rebalance than many‑line portfolios.

Growth Info

Historically, €1,000 grew to about €1,694 over the period, a Compound Annual Growth Rate (CAGR) of 15.11%. CAGR is like measuring your average speed on a long car trip: it smooths out bumps along the way. This beat both the US market and the global market by around 3 percentage points per year, which is a strong outcome. Max drawdown — the worst peak‑to‑trough fall — was about -21%, slightly milder than the US but similar to the global market. Only 22 days made up 90% of returns, showing performance was concentrated in a few strong days. As always, past performance is no guarantee of future results, especially with a short history.

Projection Info

The Monte Carlo projection simulates many possible future paths using historical data and volatility patterns. Think of it as running 1,000 parallel “what if” market histories to see a range of outcomes. Here, the median 15‑year result turns €1,000 into about €2,699, with most simulations landing between roughly €1,750 and €4,234, and a wide outer range from about €934 to €8,351. The average simulated annual return is 8.21%, with an 81.4% chance of ending positive. This is useful to set expectations about uncertainty rather than a promise of results. Simulations are built from the past, so they can’t foresee structural market changes or extreme events.

Asset classes Info

  • Stocks
    80%
  • Crypto
    10%
  • No data
    10%

By asset class, about 80% is in stocks, 10% in crypto, and 10% in a “no data” category (here, the gold product). That means the portfolio is mainly growth‑oriented via equities, with a small slice in a very high‑volatility asset (bitcoin) and a slice in a historically defensive asset (gold). Compared with many “balanced” allocations that include bonds, this mix is more growth‑tilted and less focused on income or capital stability. The presence of gold is helpful as a partial diversifier, especially in stress periods for stocks or currencies, while crypto introduces additional risk and return potential. Overall, the structure leans clearly toward long‑term capital growth over short‑term stability.

Sectors Info

  • Technology
    22%
  • Financials
    13%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Within the equity portion, sector exposure is quite broad. Technology is the largest slice at about 22%, followed by financials, industrials, and a spread across consumer, health care, telecoms, energy, materials, utilities, and real estate. This looks similar to broad global benchmarks, which tend to be tech‑tilted but still diversified across the economy. The education point here is that sector balance helps avoid being overly tied to one economic story, like just banks or just energy. Tech‑heavy exposures can be more sensitive to changes in interest rates and growth expectations, so ups and downs may feel sharper at times. Still, this sector mix is sensibly diversified and aligned with global standards.

Regions Info

  • North America
    52%
  • Europe Developed
    12%
  • Asia Developed
    4%
  • Japan
    4%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, over half of the equity exposure is in North America, with smaller allocations to developed Europe, Japan, developed Asia, emerging Asia, and small slices elsewhere. This is very much in line with global market capitalization, where US and North American stocks dominate. That alignment is a positive: it means the portfolio taps into the world’s largest and most liquid markets in proportions similar to broad benchmarks. The trade‑off is that returns are heavily influenced by one economic and political region. Over shorter periods, this can work for or against you depending on how North America performs. But from a global indexing perspective, this geographic profile is solid and conventional.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    28%
  • Mid-cap
    12%

This breakdown covers the equity portion of your portfolio only.

By company size, there is a strong tilt to mega‑caps and large‑caps, together around 67%, with mid‑caps making up about 12% and the rest in smaller or uncategorized names. This matches how global indices are constructed: the biggest companies get the most weight. Large and mega‑caps tend to be more stable and liquid, though not immune to big price moves. Smaller companies can offer higher growth but usually come with more volatility and often less diversification benefits if concentrated in niche areas. Here, the emphasis on big, established firms supports a smoother ride than a small‑cap‑heavy portfolio would, while still allowing exposure to a broad set of businesses worldwide.

True holdings Info

  • NVIDIA Corporation
    3.56%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Apple Inc
    3.24%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Microsoft Corporation
    2.28%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Amazon.com Inc
    1.65%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class A
    1.49%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.28%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Alphabet Inc Class C
    1.27%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Broadcom Inc
    1.18%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Meta Platforms Inc.
    1.16%
    Part of fund(s):
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Tesla Inc
    0.95%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
  • Top 10 total 18.04%

Looking through the global ETF’s top holdings, the biggest indirect exposures are well‑known mega‑cap companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and others. These names appear via a single fund, not multiple overlapping ETFs, so hidden overlap is modest given the simple structure. Still, the portfolio’s equity slice leans heavily into large technology‑related leaders, which often drive index returns. The coverage stat shows only 18% of the portfolio’s underlying holdings are visible from top‑10 data, so real diversification inside the ETF is much broader than this short list. The key point: a handful of big companies influence results, but they sit within a very diversified fund rather than being concentrated single‑stock bets.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 80.00%
    73.5%
  • 21Shares Bitcoin Core ETP EUR
    Weight: 10.00%
    23.8%
  • Xetra-Gold
    Weight: 10.00%
    2.7%

Risk contribution measures how much each holding adds to overall ups and downs, which can differ from its simple weight. Here, the global ETF is 80% of the portfolio but contributes about 73% of the risk, so its risk/weight is slightly below 1. Bitcoin is only 10% by weight yet drives nearly 24% of total risk, with a risk/weight of 2.38 — a clear sign of its volatility. Gold, at 10%, adds just 2.7% of risk, acting as a stabilizer. This pattern is normal: a small, very volatile asset can dominate swings. Adjusting position sizes over time is a general way to keep risk contributions lined up with how much risk feels comfortable.

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 mix has a Sharpe ratio of 0.98, meaning the return per unit of risk is decent but not optimal. The efficient frontier shows the best achievable risk‑return combinations using the same holdings, just with different weights. Here, both the maximum Sharpe portfolio (1.67) and the minimum variance portfolio (1.49) sit above the current point, indicating that, at this risk level, the mix is about 7.5 percentage points below the frontier. In simple terms, the same three positions could be blended in a way that historically would have delivered either higher return for similar risk or lower risk for similar return. That’s a useful signal for future reweighting decisions, not a guarantee.

Ongoing product costs Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.45%
  • Weighted costs total (per year) 0.36%

The total ongoing cost (TER) is around 0.36% per year, driven mainly by the global ETF’s 0.45% fee and the weighted mix with the other products. TER, or Total Expense Ratio, is the annual percentage taken by the fund manager to run the product. Costs matter because they subtract from returns every year, and that effect compounds over time. Compared with many actively managed solutions, this overall cost level is impressively low, which supports better long‑term outcomes. There might be slightly cheaper global equity funds in the market, but the difference at this level is modest. Overall, the cost structure is a clear strength and aligned with good low‑fee investing practice.

What next?

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey