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Almost global almost efficient and 100 percent stock market comfort blanket

Report created on May 7, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is three funds in a trench coat pretending to be complex. Sixty percent sits in a global index, then 25% piles on another slab of the US, and 15% lobs in emerging markets value for spice. It’s basically “world + more America + a quirky EM side quest.” The structure is neat but a bit redundant: two big slices are heavily overlapping world equity trackers, with only the EM value ETF actually changing the flavor meaningfully. It looks more curated than it really is; most of the work is just done by the global ETF while the others mostly add extra tilt and correlation rather than fresh diversification.

Growth Info

Historically, this thing has absolutely flown: €1,000 becoming €1,651, with a 22.17% CAGR is turbo-charged. CAGR (Compound Annual Growth Rate) is the “average speed” of growth over the trip. You even outpaced both the US and global benchmarks by around 2.5 percentage points a year, which is no small flex. The catch: a -21.46% max drawdown means the portfolio can still punch you in the face quickly, then take five months to apologize. And 90% of returns came from just 21 days, meaning miss a few good days and the outperformance story gets a lot less heroic very fast. Past data is helpful, not magical.

Projection Info

The Monte Carlo projection basically says, “Yeah, this could go great, or mildly okay, or just about flat.” Monte Carlo is just a fancy way of simulating many alternate futures by shaking historical returns and volatility in a digital snow globe. Median outcome of €2,808 from €1,000 over 15 years with an 8.23% annualized simulated return is solid but far less glamorous than recent history. The possible range from about €955 to €7,934 screams uncertainty. Translation: the portfolio is firmly in “growth roller coaster” territory where long-term prospects are decent, but the ride will not be emotionally smooth or predictable.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is extremely easy to summarize: 100% in stocks. No bonds, no cash buffer, no alternatives, no nothing. This is like calling a diet “balanced” because it contains several types of pizza. Being all-equity is great for long-term growth potential, but it also guarantees that drawdowns arrive fully unfiltered. There’s no natural shock absorber in the mix, so whenever markets collectively decide to sulk, this portfolio goes right along with them. The risk label says “Balanced,” but the asset mix screams “Stock Maximalist Who Didn’t Invite Fixed Income To The Party.”

Sectors Info

  • Technology
    32%
  • Financials
    15%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

On sectors, this is a tech-flavored equity buffet. Technology at 32% is a big tilt; it’s not outright obsession, but it’s clearly the favorite child. Financials, consumer discretionary, and industrials follow, but they’re all secondary characters in a show dominated by chips, software, and platforms. Sector allocation like this means the portfolio lives and dies with the global growth/innovation story. When tech booms, you look smart. When it doesn’t, everything suddenly feels a lot riskier than “moderately diversified.” This isn’t a disaster, but it’s definitely not the sector-neutral, broad-market yawn some investors pretend they own.

Regions Info

  • North America
    65%
  • Asia Developed
    11%
  • Europe Developed
    9%
  • Asia Emerging
    8%
  • Japan
    3%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Europe Emerging
    1%

Geographically, this is “America first, everything else eventually.” About 65% in North America is a heavy home in one region, with the rest of the world sprinkled thinly across developed and emerging markets. The 8% in Asia emerging and small single digits in other regions are more seasoning than real diversification. For something holding a global ETF, the tilt still ends up being very US-centric. When that region does well, great. When it doesn’t, the rest of the portfolio is too small to meaningfully offset the mood. It’s global on paper, but the main driver’s seat is firmly in one market.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    34%
  • Mid-cap
    15%

Market cap-wise, this is a shrine to the giants: 50% mega-cap and 34% large-cap, with mid-caps allowed a small 15% corner of the room. This is basically betting that the biggest companies in the world will stay big, profitable, and relevant forever. That’s not crazy, but it does mean the portfolio is heavily exposed to whatever mood swings hit the mega-cap universe. Smaller companies barely get a voice, so there’s limited participation in the more dynamic, sometimes higher-growth part of the market. The result is a portfolio that tracks the big names closely and doesn’t stray far from the mainstream equity crowd.

True holdings Info

  • NVIDIA Corporation
    4.72%
    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
    4.15%
    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
    2.96%
    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.
    2.45%
    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
    2.23%
    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
    1.85%
    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
    1.58%
    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
    1.54%
    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
  • Meta Platforms Inc.
    1.39%
    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
    1.17%
    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 24.04%

The look-through holdings list reads like a who’s who of mega-cap tech and growth: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom, TSMC. The fact these names show up via multiple ETFs means you’ve got stacked exposure to the same cluster of giants. Overlap is absolutely happening; we just see the tip of it because only the top 10 ETF holdings are visible. This hidden concentration means the portfolio is less diversified than it appears on the surface. When these handful of names move, the entire portfolio jumps, no matter how many line items are in the fund list.

Risk contribution Info

  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF
    Weight: 60.00%
    59.1%
  • SPDR S&P 500 UCITS ETF USD Acc EUR
    Weight: 25.00%
    26.1%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    14.8%

Risk contribution is where the illusion of complexity fully dies. All three ETFs together explain 100% of risk, which is expected, but each one pulls almost exactly its weight in risk terms: the 60% position contributes about 59%, the 25% position about 26%, the 15% about 15%. Risk contribution is basically “who’s actually shaking the portfolio.” There’s no secret wild child here—no tiny allocation doing huge damage behind the scenes. That’s good, but also kind of boring. The real story is that because they’re all equities and tightly clustered, the total risk is just equity market fatigue without any internal shock absorbers.

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

Correlation-wise, the highlight is that the S&P 500 ETF and the global ACWI ETF move almost identically. Correlation just means how often assets move together; here it’s basically “copy my homework” levels. So that 25% S&P 500 slice isn’t truly a brand-new risk source—it’s just doubling down on what a big chunk of the global ETF already does. In a crash, both of these dive at roughly the same time and for similar reasons. You don’t get the comfort of one zigging while the other zags; you get two flavors of the same zig straight down together.

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 efficient frontier, this portfolio is leaving free performance on the table using its own ingredients. The frontier is the curve that shows the best possible return for each risk level using only your current holdings in different weights. Your current setup sits about 1.55 percentage points below that line at the same risk level, with a Sharpe ratio of 1.24 versus a much higher 1.76 in the optimal mix. The minimum variance option even beats your Sharpe. So with exactly the same three funds, a different blend could give better risk-adjusted returns. This is like building a decent car then refusing to tune the engine.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • SPDR S&P 500 UCITS ETF USD Acc EUR 0.03%
  • SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI UCITS ETF 0.12%
  • Weighted costs total (per year) 0.14%

Costs are where this portfolio accidentally looks like it knows what it’s doing. A total TER of 0.14% is impressively low, especially when one of the funds is a 0.40% EM factor product that could have easily dragged the average higher. Fees are under control—you basically managed not to tip the waiter 30% for the same meal. That said, the EM value ETF is clearly the expensive diva of the trio, while the S&P 500 fund is the ultracheap workhorse at 0.03%. You’re paying a small premium for the EM factor tilt, but overall the fee drag is pleasantly unexciting.

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