Single fund US equity portfolio with strong tech tilt and very low ongoing costs

Report created on May 18, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is about as simple as it gets: one accumulating ETF tracking the S&P 500 at 100%. That means everything is in a single basket of large US-listed companies, with no bonds, cash, or other assets. This kind of structure is easy to understand and maintain, because there are no moving parts or rebalancing choices inside the portfolio itself. The trade-off is that diversification across regions and asset types is naturally limited. Still, the fund itself holds hundreds of companies, so there is diversification within equities. The “Balanced Investors” label and 4/7 risk score mainly reflect the behaviour of this equity index, not any mix with safer assets.

Growth Info

Historically, from early 2020 to mid-2026, €1,000 in this portfolio grew to about €2,310. That works out to a Compound Annual Growth Rate (CAGR) of 14.11%, which is essentially identical to the broader US market benchmark and clearly ahead of the global market’s 11.72%. CAGR is like measuring average speed on a long road trip, smoothing out the bumps. The portfolio also experienced a sharp max drawdown of around -34% during the COVID crash, recovering in about ten months. This pattern shows strong long-term growth but with meaningful short-term swings. As always, these results are backward-looking and cannot guarantee how the next decade will behave.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year paths for €1,000. Think of it as running 1,000 alternate histories, each slightly different, to see a range of outcomes. The median simulation ends around €2,793, with a middle “likely” band from roughly €1,814 to €4,088, and a wide band from €931 to €7,531. The average simulated annual return of 8.09% is lower than the recent historical figure, reflecting the model’s more conservative assumptions and randomness. Importantly, 25% of simulations still finish below about €1,814, so the range includes both solid growth and flat or weak results. These are scenarios, not promises.

Asset classes Info

  • Stocks
    100%

Asset class allocation is straightforward: 100% in stocks. That means the portfolio is fully exposed to equity market ups and downs, with no built-in cushion from bonds or cash. In many global reference portfolios, stocks share space with bonds or other assets, which can smooth volatility but also usually lower expected returns. Here, the diversification comes only from holding many different companies, not from mixing very different asset types. This is why the diversification score is low despite the fund itself tracking a broad index. The result is a “pure equity” profile: clear, simple, and strongly tied to stock market cycles.

Sectors Info

  • Technology
    34%
  • Financials
    12%
  • Telecommunications
    11%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    2%

Sector-wise, the portfolio leans heavily toward technology at 34%, followed by financials, telecoms, and consumer-focused areas. This mirrors the current structure of the S&P 500, where tech and tech‑adjacent businesses have grown large. A tech‑heavy tilt often benefits from innovation and growth themes but can be more sensitive when interest rates rise or when investors move out of growth names. More defensive sectors like utilities, consumer staples, and real estate are present but smaller, together making up a modest slice. Overall, the sector mix is well-aligned with major US benchmarks, which is a strong indicator that the fund is accurately capturing the modern US market structure.

Regions Info

  • North America
    99%

Geographically, almost everything (99%) is in North America, effectively the United States. This is typical for an S&P 500 tracker but very different from a world index, where the US is large but not nearly this dominant. The benefit is clear exposure to one of the most developed and historically successful equity markets, with strong corporate governance and deep liquidity. The flip side is that economic, political, and currency developments in a single region drive almost all portfolio outcomes. Compared with more globally spread benchmarks, this is a deliberate geographic concentration rather than a broad world allocation.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    35%
  • Mid-cap
    18%
  • Small-cap
    1%

By market capitalization, the portfolio is tilted strongly toward mega‑cap and large‑cap companies: 46% and 35% respectively, with only a small slice in mid‑caps and almost nothing in small‑caps. Large and mega‑caps tend to be more established businesses with global footprints, which can sometimes mean more stability and better access to capital markets. However, they may not move the same way as smaller, more nimble firms that can have higher growth but also higher risk. This cap profile closely matches the S&P 500’s role as a large‑company index and explains why the top holdings are some of the world’s biggest names.

True holdings Info

  • NVIDIA Corporation
    7.60%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Apple Inc
    6.68%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Microsoft Corporation
    4.93%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Amazon.com Inc
    3.65%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Alphabet Inc Class A
    3.00%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Broadcom Inc
    2.63%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Alphabet Inc Class C
    2.40%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Meta Platforms Inc.
    2.24%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Tesla Inc
    1.87%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 UCITS Acc
  • Berkshire Hathaway Inc
    1.58%
    Part of fund(s):
    • Vanguard S&P 500 UCITS Acc
  • Top 10 total 36.59%

Looking through to the ETF’s top holdings, a handful of companies take up a sizeable share: NVIDIA, Apple, Microsoft, Amazon, Alphabet, and others together represent a meaningful slice of the portfolio. Because there is only one ETF, there is no overlap between different funds, but there is natural concentration in these giants since the index is market‑cap weighted. Hidden concentration is limited mainly to the fact that Alphabet appears via both A and C share classes. Coverage here only includes the ETF’s top 10, so the rest of the index—hundreds of smaller positions—sits in the “uncovered” portion but still contributes to diversification inside the fund.

Risk contribution Info

  • Vanguard S&P 500 UCITS Acc
    Weight: 100.00%
    100.0%

Risk contribution here is very simple: the single ETF has 100% of the weight and 100% of the portfolio’s risk. Risk contribution measures how much each holding adds to overall ups and downs, which in multi‑fund portfolios can differ from simple weights. In this case, there is no such difference—position sizing and risk are one and the same. Inside the ETF, individual stocks have their own risk contributions, but those are managed by the index rules rather than by this portfolio’s construction. The main insight is that any change in the S&P 500’s volatility directly and fully passes through to the portfolio.

Ongoing product costs Info

  • Vanguard S&P 500 UCITS Acc 0.07%
  • Weighted costs total (per year) 0.07%

Costs are a real strength of this portfolio. The ETF’s Total Expense Ratio (TER) of 0.07% per year is very low, especially compared with many active funds that charge several times more. TER is like a small annual “maintenance fee” taken directly from the fund; the lower it is, the more of the market’s return stays in the investor’s pocket. Over a single year, the difference might feel minor, but over decades, fee gaps compound significantly. This cost level is well-aligned with best practices for passive index investing and supports better long‑term outcomes relative to higher‑fee alternatives tracking similar markets.

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