High growth globally diversified equity and crypto mix with efficient but very punchy risk profile
Report created on Mar 28, 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
Aggressive Investors
An investor best matched to this kind of setup is comfortable with very large swings in portfolio value and focuses on long‑term growth rather than short‑term stability. Typical goals could include building substantial wealth over 10–20+ years, aggressively growing retirement savings, or compounding capital for future financial independence. A high tolerance for volatility and drawdowns is essential, along with the emotional ability to stay invested through deep, sudden drops, especially driven by crypto. This person is likely less concerned with regular income, more interested in total return, and willing to accept that results may deviate sharply from market averages in both good and bad directions over shorter periods.
Positions
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VW Vanguard FTSE All-World UCITS ETF USD Accumulation
VWCE - IE00BK5BQT80 55.91% -
BT Bitcoin
BTC 15.97% -
XR XRP
XRP 14.06% -
IW iShares Edge MSCI World Value Factor UCITS ETF USD (Acc)
IWVL - IE00BP3QZB59 7.35% -
WS iShares MSCI World Small Cap UCITS ETF USD (Acc)
WSML - IE00BF4RFH31 6.71%
This portfolio is a simple but punchy mix: roughly 70% in global equities and 30% in cryptocurrencies. The backbone is a broad world equity ETF, complemented by smaller positions in value-tilted and small‑cap ETFs, plus sizable allocations to Bitcoin and XRP. Structurally, that means one core diversified engine with a couple of focused equity tilts and two highly volatile satellite positions. This kind of “core and satellites” setup is common for growth‑oriented investors who want market exposure plus a few high‑risk bets. The key takeaway is that stability and diversification mainly come from the equity ETFs, while overall risk is dominated by the crypto slice.
Growth
Historically, the portfolio has turned €1,000 into about €3,029 since mid‑2019, a compound annual growth rate (CAGR) of 18.2%. CAGR is the “average yearly speed” of growth over time. That comfortably beats both the US market (13.0%) and global market (10.74%), which is an excellent outcome. The flip side is a very deep max drawdown of about -52.9%, far worse than the roughly -34% max drawdowns of the benchmarks. Drawdown is the peak‑to‑trough loss you’d have had to sit through. So the portfolio has been rewarded with higher returns, but only for someone able to stomach very large short‑term falls without bailing out.
Asset classes
- Stocks 70%
- Crypto 30%
Asset‑class‑wise, about 70% sits in global stocks and 30% in crypto. For an aggressive profile, a high equity share is very normal and aligns with growth‑focused practices. The crypto slice, though, adds a different flavor of risk: huge swings, event risk, and potential regulatory shocks. It can act almost like a leveraged satellite around an otherwise sensible global stock core. Over long horizons, such a mix can supercharge returns if the risky slice performs, but it also meaningfully increases the odds of large temporary losses. A general insight: anyone using a 20–30% allocation to highly volatile alternatives needs a long horizon and a strong willingness to ride through extreme drawdowns.
Sectors
- Technology 18%
- Financials 11%
- Industrials 9%
- Consumer Discretionary 7%
- Health Care 6%
- Telecommunications 6%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure inside the equity portion looks well balanced, with technology the largest at around 18%, followed by solid representation in financials, industrials, consumer areas, healthcare, and more defensive sectors. This alignment is close to broad global benchmarks, which is a strong indicator of diversification. A tech tilt of this size is moderate rather than extreme, so it benefits from innovation trends without being a single‑sector bet. In rising rate environments or tech sell‑offs, this part may be bumpy but not overly concentrated. Overall, the sector mix provides a good spread across cyclical, defensive, and growth‑oriented industries, which helps smooth out shocks specific to any single part of the economy.
Regions
- North America 43%
- Europe Developed 12%
- Japan 6%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the equity sleeve leans toward North America at about 43%, with additional exposure to developed Europe, Japan, other developed Asia, and a modest slice in emerging regions. That pattern is broadly in line with global equity benchmarks, which are also dominated by North American markets. This alignment is beneficial because it anchors the portfolio to the global economic and market opportunity set rather than making a big country or regional bet. The smaller but still meaningful allocation to non‑US regions adds some diversification against policy or sector shocks concentrated in one market. Long term, being broadly spread across economies can help reduce the impact of local crises.
Market capitalization
- Mega-cap 29%
- Large-cap 23%
- Mid-cap 13%
- Small-cap 4%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
Across market capitalizations, there’s a strong tilt toward mega‑ and large‑cap companies, with only a modest portion in mid‑, small‑, and micro‑caps. That’s typical of global index‑style investing, where the largest firms dominate. The dedicated small‑cap ETF adds a useful dash of smaller companies, which historically have sometimes delivered higher returns but with more volatility. Having most of the money in bigger, more established firms often means slightly smoother rides and better liquidity, while a smaller small‑cap slice adds growth potential and diversification. This mix is generally sensible: the portfolio gets exposure to the full company size spectrum without overloading on more fragile smaller names.
True holdings
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NV NVIDIA Corporation 2.36%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AA Apple Inc 2.19%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
MS Microsoft Corporation 1.66%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AM Amazon.com Inc 1.15%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class A 1.03%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.88%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
AV Broadcom Inc 0.84%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
GO Alphabet Inc Class C 0.84%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
ME Meta Platforms Inc. 0.81%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
-
TS Tesla Inc 0.65%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Top 10 total 12.39%
Looking through the ETFs, the largest underlying company exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and others. Several appear across multiple ETFs, so their real influence is bigger than any single fund line suggests. This kind of overlap is normal in global equity investing, because broad funds tend to own the same big winners. It does create some hidden concentration in a handful of giants, especially in growth‑oriented areas. The benefit is strong participation in leading companies driving index returns. The trade‑off is that a big stumble in one or two of these giants could be felt across multiple ETF positions at once.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure shows a strong tilt toward low volatility (96%) and a clear tilt toward value (73%), while size, quality, yield, and momentum are closer to neutral. Factors are like underlying “personality traits” of stocks that research links to long‑term returns and patterns. The high low‑volatility tilt means the equity holdings lean toward steadier companies, which can cushion some stock‑market swings. The value tilt steers toward cheaper‑priced shares relative to fundamentals, which can do well when markets rotate away from expensive growth stories. Combined with crypto, the picture is interesting: the equity side is relatively conservative in style, which helps balance the wild swings coming from the cryptocurrency allocation.
Risk contribution
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XRP
Weight: 14.06% 45.9% -
Bitcoin
Weight: 15.97% 27.7% -
Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 55.91% 20.6% -
iShares MSCI World Small Cap UCITS ETF USD (Acc)
Weight: 6.71% 3.0% -
iShares Edge MSCI World Value Factor UCITS ETF USD (Acc)
Weight: 7.35% 2.8%
Risk contribution makes it very clear where the turbulence comes from. XRP is only about 14% of the portfolio but contributes roughly 46% of total risk, while Bitcoin at around 16% contributes about 28% of risk. Together, the two cryptos drive more than 70% of overall volatility. The broad world ETF, even at nearly 56% weight, adds only about 21% of risk. Risk contribution shows how much each asset adds to the portfolio’s ups and downs, which can differ a lot from its weight. A general lesson: if a relatively small position dominates risk, even modest size adjustments or gradual trimming can significantly change the overall ride without dismantling the whole strategy.
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 or very close to the efficient frontier, with a Sharpe ratio around 0.89 versus 0.95 for the mathematically optimal mix of the same holdings. The Sharpe ratio compares excess return to volatility, like judging how much “reward” you get per unit of stress. Being this close to the frontier means, given these ingredients, the allocation is already highly efficient for its chosen risk level. The minimum‑variance mix would significantly cut risk but also slash expected returns. So within your chosen aggressiveness, the trade‑off between return and volatility is already well tuned; any major improvement would require changing ingredients, not just shuffling weights.
Ongoing product costs
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- iShares Edge MSCI World Value Factor UCITS ETF USD (Acc) 0.30%
- iShares MSCI World Small Cap UCITS ETF USD (Acc) 0.35%
- Weighted costs total (per year) 0.15%
Costs are impressively low. The total expense ratio (TER) across the ETF holdings is around 0.15%, which is well below the average for actively managed funds. TER is like a small annual “membership fee” taken automatically from fund assets. Keeping this low is one of the easiest ways to support better long‑term performance, because fees compound against you over time. Using broad, low‑cost index and factor funds is a strong positive and aligns closely with best practices in long‑term investing. With costs already this lean, there’s little to squeeze out further; the bigger performance levers now are asset allocation, risk level, and behavioral discipline.
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