Globally diversified stock and gold mix aiming for balanced growth with moderate risk and volatility control
Report created on Mar 30, 2026Risk 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.
What type of investor this portfolio is suitable for
Balanced Investors
This setup fits someone comfortable with meaningful market swings but not chasing extremes. Think of an investor targeting long‑term goals like retirement, college funding, or general wealth building over 10+ years, who wants global exposure without micromanaging lots of positions. They accept that 30% drawdowns can happen but want some ballast, hence the gold and low‑volatility tilt. They’re more interested in owning the global market at low cost than in stock‑picking or market timing. Patience, a buy‑and‑hold mindset, and the ability to ride through downturns without panicking would be key traits. Steady contributions and occasional check‑ins, rather than constant tinkering, would suit this profile best.
Positions
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UR iShares MSCI World ETF
URTH - US4642863926 80.00% -
EE iShares MSCI Emerging Markets ETF
EEM - US4642872349 10.00% -
SG abrdn Physical Gold Shares ETF
SGOL - US00326A1043 10.00%
The portfolio is very simple and clean: roughly 80% in a global developed‑markets stock fund, 10% in emerging‑markets stocks, and 10% in physical gold. So you’ve basically got a “world equity core” with a small diversifier on the side. This kind of structure is easy to understand and maintain, which really helps behavior over the long run. With about 90% in stocks, the engine is clearly growth‑oriented, while gold plays more of a risk‑management and crisis‑hedge role. The big takeaway is that this is a straightforward, equity‑heavy setup designed for long‑term growth but with a small buffer against severe market stress.
Growth
Over the last decade, $1,000 grew to about $2,997, which is a compound annual growth rate (CAGR) of 11.64%. CAGR is like your average speed on a long road trip, smoothing out all the bumps. This trailed the U.S. market but slightly beat the global market, which makes sense given your broad international mix. The max drawdown of about -31% was a bit smaller than both benchmarks, showing decent downside resilience for an equity‑heavy portfolio. That’s consistent with having some gold and non‑U.S. exposure. The fact that 90% of returns came from just 33 days underlines how hard timing the market is; staying invested has clearly paid off here.
Asset classes
- Stocks 90%
- Other 10%
From an asset‑class perspective, about 90% is in stocks and 10% in “other,” which here is gold. Compared with a classic “balanced” 60/40 stock‑bond mix, this leans much more toward growth and equity volatility, but with a non‑stock cushion rather than traditional bonds. This suits investors who want equity‑like returns and are okay with bigger swings, while using gold as a hedge against extreme scenarios like inflation spikes or financial stress. The allocation is simple but sensible: stocks as the main return driver, gold as a volatility dampener and potential crisis offset. If someone wanted smoother rides, shifting more into income‑producing defensive assets would be the typical lever.
Sectors
- Technology 25%
- Financials 15%
- Industrials 10%
- Consumer Discretionary 8%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is quite broad, with technology the largest slice at 25%, followed by financials, industrials, consumer‑related areas, telecoms, and health care. This pattern is very similar to mainstream global equity benchmarks, which is a strong indicator of diversification and alignment with the global economy. A tech‑tilt at this level is normal for modern global funds and has been a major driver of historical returns. The flip side is that tech‑driven markets can be more sensitive to interest‑rate moves and sentiment toward growth companies. Overall, the sector mix looks well‑balanced, giving you exposure to many different types of businesses rather than betting heavily on a narrow theme.
Regions
- North America 60%
- Europe Developed 13%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, around 60% sits in North America, with the rest spread across developed Europe, Japan, developed Asia, and smaller allocations to emerging regions like Asia, Latin America, and Africa/Middle East. This is quite close to standard global equity weights, which is positive: you’re not making big country bets, and your diversification aligns nicely with global market size. The U.S. is still the anchor, but you’ve got meaningful exposure to other major economies plus a modest emerging‑markets slice. That mix helps avoid overdependence on any single region’s political or economic cycle while still benefiting from the innovation and depth of North American markets.
Market capitalization
- Mega-cap 44%
- Large-cap 31%
- Mid-cap 14%
This breakdown covers the equity portion of your portfolio only.
Market‑cap exposure is clearly tilted toward the very largest companies: 44% in mega‑cap, 31% in large‑cap, and 14% in mid‑cap. That’s typical of cap‑weighted global index funds and matches what many “total market” benchmarks look like. The benefit is stability and liquidity—big firms tend to be more resilient, widely followed, and easier to trade. The trade‑off is less exposure to smaller, potentially faster‑growing companies that can sometimes outperform over very long periods but are bumpier. For most investors, this large‑cap‑heavy profile is a feature, not a bug, giving a smoother ride and making the portfolio’s behaviour more predictable in relation to broad global indexes.
True holdings
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NV NVIDIA Corporation 4.25%
Part of fund(s):- iShares MSCI World ETF
-
AA Apple Inc 3.69%
Part of fund(s):- iShares MSCI World ETF
-
MS Microsoft Corporation 2.63%
Part of fund(s):- iShares MSCI World ETF
-
AM Amazon.com Inc 1.99%
Part of fund(s):- iShares MSCI World ETF
-
GO Alphabet Inc Class A 1.69%
Part of fund(s):- iShares MSCI World ETF
-
AV Broadcom Inc 1.43%
Part of fund(s):- iShares MSCI World ETF
-
GO Alphabet Inc Class C 1.41%
Part of fund(s):- iShares MSCI World ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.32%
Part of fund(s):- iShares MSCI Emerging Markets ETF
-
ME Meta Platforms Inc. 1.29%
Part of fund(s):- iShares MSCI World ETF
-
TS Tesla Inc 1.08%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- iShares MSCI World ETF
- Top 10 total 20.76%
Looking through the ETFs, the biggest underlying names are the usual global giants: Nvidia, Apple, Microsoft, Amazon, Alphabet, and a handful of other mega‑cap tech and platform companies. Several of these appear in more than one fund, creating some hidden concentration in a relatively small group of very large firms, even though you don’t hold any single stocks directly. Because only top‑10 ETF holdings are captured, true overlap is probably higher. This isn’t automatically a problem—these companies have driven global returns—but it does mean that a chunk of your equity outcome is tied to how a few dominant firms perform, especially in technology‑linked areas.
Factors
Factor exposure is overall very balanced: value, size, momentum, quality, and yield all sit near neutral, meaning the portfolio behaves similarly to the broad market on those fronts. The one slightly notable tilt is toward low volatility at 61%, a mild lean in favour of historically steadier stocks. Factor investing is about targeting characteristics—like cheapness (value) or trendiness (momentum)—that explain returns. Here, the mild low‑volatility tilt suggests a small preference for companies that have tended to swing less in the past. That lines up well with your inclusion of gold and the “balanced” risk label: you’re getting market‑like returns with a subtle bias toward smoother equity behaviour.
Risk contribution
-
iShares MSCI World ETF
Weight: 80.00% 86.8% -
iShares MSCI Emerging Markets ETF
Weight: 10.00% 11.0% -
abrdn Physical Gold Shares ETF
Weight: 10.00% 2.2%
Risk contribution shows how much each holding actually drives portfolio ups and downs, which can differ from simple weights. Even though gold is 10% of the portfolio, it only adds about 2.2% of total risk—its risk/weight ratio of 0.22 confirms it’s a stabilizer. In contrast, the 80% global developed ETF contributes almost 87% of risk, and emerging markets, at 10% weight, add nearly 11% of risk, both slightly more volatile than their sizes alone suggest. The big picture: virtually all portfolio risk comes from the two equity funds, while gold meaningfully dampens volatility. If someone wanted to dial risk up or down, adjusting those equity weights would be the main lever.
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.
Sharpe ratios in this chart use the active CMA risk-free rate of 2.00% annualized.
Click on the colored dots to explore allocations.
On the risk–return chart, the current portfolio has a Sharpe ratio of 0.66, while the optimal and minimum‑variance mixes—built using only your existing holdings—sit around 1.02 with slightly higher expected return and noticeably lower risk. The efficient frontier represents the best return you could target for each risk level by just reweighting these same funds. Being about 1.66 percentage points below the frontier at your current risk means there’s room to improve the trade‑off without adding new products—mainly by tweaking how much sits in each ETF. The positive spin: you’re already in solid building blocks, and small allocation adjustments could meaningfully boost risk‑adjusted efficiency.
Dividends
- iShares MSCI Emerging Markets ETF 2.20%
- iShares MSCI World ETF 1.60%
- Weighted yield (per year) 1.50%
The overall dividend yield sits around 1.5%, with developed markets at 1.6% and emerging markets at 2.2%. That’s modest but normal for a broad global equity approach, especially one tilted toward larger growth companies and tech. Dividends can be a nice side benefit, but here the main story is capital growth, not income. For long‑term accumulators, reinvesting these dividends can quietly boost compounding over time. If someone needed higher cash flow, they’d usually look toward more income‑focused assets, but for a growth‑oriented, balanced‑risk investor, this yield level is perfectly consistent with a strategy that prioritizes total return over regular payouts.
Ongoing product costs
- iShares MSCI Emerging Markets ETF 0.70%
- abrdn Physical Gold Shares ETF 0.17%
- iShares MSCI World ETF 0.24%
- Weighted costs total (per year) 0.28%
The weighted ongoing fee (TER) of the portfolio is about 0.28%, which is impressively low for a globally diversified mix with both developed and emerging markets plus gold. Costs matter because they’re one of the few things you can control—every 0.1% saved compounds over decades. Your asset choices lean on inexpensive index‑style ETFs, which is a strong positive and aligns with best practices for long‑term investing. While the emerging‑markets ETF is somewhat pricier than the others, that’s typical for that segment and kept small in overall impact. Overall, the fee structure strongly supports better long‑term performance by minimizing the drag from ongoing charges.
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