This portfolio has only about 3 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Balanced global value tilted mix with strong diversification and efficient but improvable risk return profile

Report created on Mar 26, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is built around broadly diversified equity ETFs with a clear value tilt, supported by a modest bond sleeve and a meaningful cash allocation. Around seventy percent sits in stocks across global developed and emerging markets, sixteen percent in bonds, and the rest split between cash and other exposures. This structure fits a cautious but growth‑oriented mindset: most of the engine is in equities, but bonds and cash act as stabilisers and liquidity reserves. For someone seeking long‑term growth without going “all in” on stocks, this is a thoughtful blend. The mix is especially positive for staying invested through volatility while still giving equity exposure room to work.

Growth Info

Over the short backtest period, €1,000 grew to about €1,049, with a compound annual growth rate (CAGR) of 17.26%. CAGR is like your average yearly “speed” over the full trip, smoothing out bumps along the way. In that same window, both the US market and global market benchmarks actually lost value, so this portfolio noticeably outperformed. Max drawdown, the worst peak‑to‑trough drop, stayed around -5.5%, broadly in line with benchmarks, suggesting returns weren’t bought with extreme extra downside. Because this period is only a few months, the results are encouraging but not conclusive; future returns can differ a lot from such a short and unusually strong patch.

Projection Info

The Monte Carlo simulation projects many possible future paths by “re‑shuffling” historical returns and volatility into 1,000 scenarios. Think of it as replaying the past in different orders to see a range of plausible futures. After ten years, the median scenario roughly multiplies money by about 8.1x, with even the lower 5th percentile more than doubling capital. The average simulated annual return, around 17%, is very high. But this is based on less than two years of data, during a favourable spell, so it likely overstates realistic long‑term expectations. The key use here is not the exact numbers, but understanding that outcomes can vary widely even with the same underlying strategy.

Asset classes Info

  • Stocks
    70%
  • Bonds
    16%
  • No data
    10%
  • Cash
    4%

Asset‑class allocation is dominated by equities at 70%, complemented by 16% in bonds and a noticeable allocation to cash and other exposures. This is a classic “growth with brakes” structure: enough stock exposure to drive returns, with bonds and cash dampening volatility and providing dry powder. For a cautious risk profile, this is well aligned and far less aggressive than an all‑equity approach, while still more growth‑oriented than a capital‑preservation portfolio heavy in bonds. A practical takeaway is that equity markets will still heavily influence outcomes, but drawdowns should be milder than a pure stock portfolio thanks to the stabilising roles of short‑term and inflation‑linked government bonds and cash.

Sectors Info

  • Financials
    14%
  • Technology
    14%
  • No data
    10%
  • Industrials
    10%
  • Consumer Discretionary
    8%
  • Energy
    5%
  • Health Care
    5%
  • Basic Materials
    4%
  • Telecommunications
    4%
  • Consumer Staples
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is nicely spread, with financial services and technology each around the mid‑teens, and industrials, consumer cyclicals, energy, healthcare, and basic materials all contributing meaningful slices. No single sector dominates, and this is a strong positive: it reduces the chance that one industry slump derails the whole portfolio. Compared with many growth‑heavy allocations, tech does not appear excessive, which can help during periods of rising interest rates or when high‑growth names fall out of favour. The flip side is that in roaring tech bull markets, this setup may lag more concentrated growth allocations, but the trade‑off is smoother, less sector‑dependent performance across different environments.

Regions Info

  • North America
    21%
  • Europe Developed
    16%
  • No data
    10%
  • Asia Developed
    10%
  • Japan
    9%
  • Asia Emerging
    8%
  • Africa/Middle East
    2%
  • Latin America
    2%
  • Australasia
    1%

Geographically, the portfolio is genuinely global rather than home‑ or US‑centric. Exposure is spread across North America, developed Europe, Japan, developed Asia, and emerging regions including Asia, Latin America, and Africa/Middle East. This broad footprint is a major strength and aligns well with global equity benchmarks, avoiding heavy reliance on one country or region. It helps cushion region‑specific shocks, such as regulatory changes or recessions in a single market. A consequence is that returns will partly depend on how non‑US and emerging markets perform relative to the US, which has led in recent years. Over long horizons, this global balance can reduce concentration risk and better capture diverse growth drivers.

Market capitalization Info

  • Mega-cap
    25%
  • Large-cap
    21%
  • Mid-cap
    10%
  • No data
    10%
  • Small-cap
    8%
  • Micro-cap
    5%

By market capitalization, the allocation covers the full spectrum: large “mega” and big companies dominate, but there is still meaningful exposure to mid, small, and even micro caps. Large caps tend to be more stable and liquid, while smaller companies can be more volatile but often offer higher long‑term growth potential. This mix is healthy: you get the resilience and global reach of giants plus the return kicker and diversification benefits of smaller firms. The dedicated global small‑cap value fund in particular helps ensure that small companies are not an afterthought. Investors should be ready for these smaller names to swing more in the short term, even as they support diversification.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.44%
    Part of fund(s):
    • iShares Core MSCI EM IMI UCITS ETF
  • Samsung Electronics Co Ltd
    1.10%
    Part of fund(s):
    • iShares Core MSCI EM IMI UCITS ETF
  • Micron Technology Inc
    1.07%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Tencent Holdings Ltd
    0.66%
    Part of fund(s):
    • iShares Core MSCI EM IMI UCITS ETF
  • SK Hynix Inc
    0.62%
    Part of fund(s):
    • iShares Core MSCI EM IMI UCITS ETF
  • Cisco Systems Inc
    0.58%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Toyota Motor Corp
    0.49%
    Part of fund(s):
    • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Alibaba Group Holding Ltd
    0.49%
    Part of fund(s):
    • iShares Core MSCI EM IMI UCITS ETF
  • Intel Corporation
    0.46%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Verizon Communications Inc
    0.38%
    Part of fund(s):
    • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
  • Top 10 total 8.30%

Looking through the ETFs’ top holdings, the largest underlying exposures include Taiwan Semiconductor, Samsung Electronics, Micron, Tencent, and several other major global names. These positions together still make up only a few percent of the total portfolio, so there is no single‑stock dominance. The overlap data is based only on ETF top‑10 lists, so hidden duplication is likely understated, yet we still see some repetition in big semiconductor and tech names. This kind of overlap is normal with broad global funds. The takeaway is that while the portfolio is diversified, its growth engine leans somewhat toward large, globally dominant companies, particularly in technology‑related industries.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 32%
Size
Exposure to smaller companies
Low
Data availability: 49%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 18%
Low Volatility
Preference for stable, lower-risk stocks
No data
Data availability: 0%

Factor exposure shows strong tilts to value and yield, with a decent lean to momentum and some size exposure. Factors are like investing “ingredients” — characteristics such as cheap valuation (value), recent strong performance (momentum), or high income (yield) that research links to long‑term returns. Heavy value and yield tilts suggest a focus on cheaper, income‑producing companies rather than expensive growth names, which can help during inflationary or rising‑rate environments and may reduce bubble risk. The momentum bias can boost returns in persistent trends but may hurt during sudden reversals. Signal coverage isn’t perfect, so numbers aren’t exact, but the overall profile clearly departs from a neutral market‑cap‑only stance.

Risk contribution Info

  • iShares Core MSCI EM IMI UCITS ETF
    Weight: 21.00%
    32.0%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR
    Weight: 17.50%
    21.9%
  • Xtrackers MSCI World ex USA UCITS ETF 1C USD EUR
    Weight: 17.00%
    20.6%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 14.50%
    16.4%
  • Vanguard EUR Cash UCITS ETF (Acc)
    Weight: 10.00%
    8.2%
  • Top 5 risk contribution 99.1%

Risk contribution tells you how much each holding drives the portfolio’s ups and downs, which can differ a lot from its simple weight. Here, the three main equity funds together contribute about three‑quarters of total risk, even though they are just over half the portfolio by weight. The emerging markets ETF alone contributes almost one‑third of overall volatility, more than its 21% weight would suggest. That’s typical for emerging markets, which tend to be choppier. This is not inherently bad, but it means that most of the “emotional ride” will be determined by these positions. Rebalancing or slightly adjusting their sizes is one way to align risk contribution more closely with comfort levels.

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 portfolio sits on the efficient frontier, meaning that for its mix of holdings, the weights are already very efficient. The Sharpe ratio of 1.61 shows strong risk‑adjusted performance, though an alternative “optimal” weighting of the same funds could reach a higher Sharpe of 2.1 with slightly lower risk, and a same‑risk variant could target higher expected returns with more volatility. The efficient frontier is like a menu of the best trade‑offs available given the ingredients already in use. Since the portfolio is on the frontier, any tweaks would be about fine‑tuning the balance between risk and return, rather than fixing inefficiency.

Dividends Info

  • iShares Core MSCI EM IMI UCITS ETF 1.50%
  • Weighted yield (per year) 0.32%

The indicated portfolio yield is modest, with the emerging markets ETF around 1.5% and an overall yield of roughly 0.32%. That’s typical for a mix that emphasizes total return rather than high current income, especially when some funds are accumulating (reinvesting dividends) rather than distributing. For long‑term savers, reinvested dividends quietly boost compounding, even if they aren’t visible as cash payments. Income‑focused investors, by contrast, might view this yield as on the low side and consider more dividend‑oriented options if regular payouts were a priority. In this context, the relatively low yield fits well with a growth tilt and the presence of cash holdings that don’t currently pay much interest.

Ongoing product costs Info

  • iShares Core MSCI EM IMI UCITS ETF 0.18%
  • iShares Inflation Linked Government Bond UCITS 0.09%
  • iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) EUR 0.30%
  • Weighted costs total (per year) 0.10%

The portfolio’s costs are impressively low, with key ETFs charging between about 0.09% and 0.30% and a total TER around 0.10%. TER, or Total Expense Ratio, is the annual fee taken by a fund as a percentage of your investment. Low costs are one of the most reliable drivers of better net outcomes because they’re guaranteed, unlike returns. Over decades, shaving even 0.3–0.5 percentage points per year can translate into noticeably higher final wealth. This fee level is well below many actively managed solutions and aligns closely with best practices in cost‑efficient investing. In terms of expenses, the portfolio is clearly on the right track and needs only monitoring, not changes.

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