Highly diversified global equity tracker blend with strong momentum tilt and room for simple optimization
Report created on Mar 25, 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 best fits a long‑term, growth‑oriented investor comfortable with stock‑market ups and downs and a largely hands‑off approach. The ideal person has at least a 10‑ to 15‑year horizon, accepts that 20% drawdowns can happen, and values broad global exposure over trying to pick winners. They prefer simplicity, low costs, and automatic diversification through index funds rather than active trading. Their goals might include building retirement wealth, growing a large future nest egg, or compounding savings for big life milestones. Risk tolerance is moderate‑to‑high: not seeking thrills, but willing to endure volatility in pursuit of higher long‑run growth.
Positions
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SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
SPYI - IE00B3YLTY66 33.34% -
Invesco FTSE All-World UCITS ETF USD Accumalation
FWRG - IE000716YHJ7 33.33% -
Amundi Prime All Country World UCITS ETF Acc EUR
WEBN - IE0003XJA0J9 33.33%
The portfolio is an ultra-simple three-fund setup, each roughly one‑third, all tracking broad global equity indexes. This creates a very “all-in global stocks” structure with minimal moving parts and no single ETF dominating risk or return. For a balanced risk profile, the equity share is high, but the use of broad index funds keeps stock-specific risk extremely low. This allocation is easy to monitor and manage because changes in markets automatically flow through the indexes. The main practical takeaway is that the big decisions here are about overall equity exposure and ETF overlap, not about choosing individual securities or timing trades.
Historical data is limited for this portfolio, which reduces the confidence in the calculated values.
Growth
Since mid‑2024, a hypothetical €1,000 grew to about €1,186, implying a 10.8% Compound Annual Growth Rate (CAGR), which is like an average yearly “speed” of returns. That beats both the US market and the global market benchmarks in this period. The portfolio’s worst drop, or max drawdown, was around ‑20%, slightly milder than global and US references. This shows that broad global equity exposure can participate fully in upside while not being meaningfully more painful in downturns. Still, this is a short window; past performance over less than two years can be noisy and may not reflect what happens over a full market cycle.
Due to limited historical data, this may show extreme values that are not realistic.
Projection
The Monte Carlo simulation projects many possible 10‑year futures by “re‑mixing” patterns from the limited historical data. It’s like running 1,000 alternate timelines to see a range of outcomes, not a single forecast. The median scenario roughly quadruples the initial €1,000, while even the 5th percentile still shows a modest positive result. That suggests historically strong risk‑reward characteristics. However, the sample is less than two years, so the model hasn’t seen a full interest rate or economic cycle. That means the 11.66% projected annual return is optimistic and should be treated as an illustrative what‑if, not a guaranteed or highly reliable estimate.
Asset classes
- Stocks 67%
- No data 33%
The asset‑class view shows 67% clearly classified as stocks and 33% as “unknown,” which in this case is almost certainly also equity exposure from look‑through gaps. In practice, this behaves like a nearly 100% equity portfolio with no meaningful allocation to bonds, cash, or alternatives. For a “balanced” risk label, that’s on the aggressive side, but the broad global spread helps soften single‑country shocks. This kind of all‑equity mix tends to experience bigger short‑term swings but offers higher expected long‑run growth. If the goal were to smooth volatility further, the lever to pull would be introducing true defensive assets rather than tweaking between similar global equity ETFs.
Sectors
- No data 33%
- Technology 18%
- Financials 11%
- Industrials 8%
- Consumer Discretionary 6%
- Health Care 6%
- Telecommunications 6%
- Consumer Staples 3%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector data (excluding the unknown slice) shows a notable but not extreme tilt toward technology, followed by financials, industrials, and a good spread across consumer, healthcare, energy, and utilities. This pattern is very much in line with major global indexes today, where tech and related areas naturally carry larger weights because of their market values. Tech‑heavy allocations can shine when innovation and growth are rewarded but may wobble during sharp interest‑rate increases or regulatory shocks. Here, the positive point is that sector composition closely mirrors global benchmarks, which is a strong indicator of diversified exposure rather than a concentrated thematic or niche bet.
Regions
- North America 43%
- No data 33%
- Europe Developed 10%
- Asia Developed 4%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio leans strongly toward North America at around 43%, with smaller allocations to developed Europe, Japan, other developed Asia, and emerging regions. This is broadly consistent with global market-cap weights, where the US dominates because its companies are so large. Being aligned with global weights has worked well in recent years as US mega‑caps have outperformed. The flip side is that future leadership might come from other regions, and such a US‑tilted global stance would then lag more globally equal-weighted approaches. Still, this allocation is well-balanced and aligns closely with global standards, which supports robust geographic diversification.
Market capitalization
- No data 33%
- Mega-cap 32%
- Large-cap 22%
- Mid-cap 10%
- Small-cap 2%
Market‑cap breakdown shows heavy exposure to mega and large companies, with modest allocations to mid and small caps. Mega‑caps are often globally diversified businesses themselves, which can dampen company‑specific risks and provide more stability compared with smaller firms. On the other hand, mid and small caps sometimes offer higher growth potential and can behave differently across cycles, enhancing diversification. The sizeable “unknown” segment likely represents equity exposure where exact sizing data is missing rather than a truly different asset type. Overall, the profile is that of a classic cap‑weighted global index, leaning on the market’s largest, most established companies for the bulk of risk and return.
True holdings
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NVIDIA Corporation 2.89%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
-
Apple Inc 2.56%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
-
Microsoft Corporation 1.84%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
-
Amazon.com Inc 1.31%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
-
Alphabet Inc Class A 1.20%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
-
Taiwan Semiconductor Manufacturing Co. Ltd. 1.01%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
-
Alphabet Inc Class C 1.00%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
-
Broadcom Inc 0.96%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
-
Meta Platforms Inc. 0.92%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
-
Tesla Inc 0.76%Part of fund(s):
- Amundi Prime All Country World UCITS ETF Acc EUR
- LS 1x Tesla Tracker ETP Securities GBP
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
- Top 10 total 14.44%
Looking through ETF top holdings, the largest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Tesla. These appear in more than one ETF, creating hidden concentration in those giants despite using multiple funds. Because only each ETF’s top 10 are captured, actual overlap is almost certainly higher, especially in broad global indices that all weight the same big companies heavily. This is very typical for index-based portfolios and not inherently a problem. The key takeaway is that diversification here is mostly across thousands of smaller positions, while the biggest drivers of returns are a relatively small group of mega‑caps.
Factors
Factor exposure highlights strong momentum and some size tilt. Momentum means the portfolio leans toward stocks that have recently performed well, which can boost returns while trends persist but may hurt when markets suddenly reverse. Size exposure indicates modest deviation from a pure mega‑cap profile, incorporating somewhat more mid‑sized firms. Factor investing views these traits as “ingredients” behind returns, identified by decades of academic research. Here, the dominance of momentum suggests the portfolio may do particularly well in sustained bull markets driven by winners continuing to win. The limited coverage for other factors like value, quality, or low volatility means their tilt is less clear from current data.
Risk contribution
-
SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF
Weight: 33.34% 34.8% -
Amundi Prime All Country World UCITS ETF Acc EUR
Weight: 33.33% 34.4% -
Invesco FTSE All-World UCITS ETF USD Accumalation
Weight: 33.33% 30.8%
Risk contribution shows each ETF contributes roughly in line with its weight, with no single fund dominating volatility. One fund adds slightly more than its share of risk and one slightly less, but the differences are small. Risk contribution measures how much each holding adds to overall portfolio ups and downs, which can differ from simple weight. For instance, a highly volatile asset could add more risk than its percentage suggests. Here, the nearly equal risk‑to‑weight ratios confirm a very symmetrical three‑legged stool. Any decision to change the structure would therefore mainly be about reducing redundancy or costs, rather than defusing an outsized single‑position risk.
Redundant positions
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High correlationSSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETFAmundi Prime All Country World UCITS ETF Acc EUR
Correlation describes how often assets move together. In this portfolio, the global equity ETFs are highly correlated, which is expected because they all track similar broad indexes. High correlation limits diversification benefits during sharp downturns, since most holdings fall or rise in tandem. Still, there is diversification happening under the surface across thousands of companies and countries, but not much diversification across fundamentally different asset types. The takeaway is that adding more funds with similar global equity profiles will not meaningfully reduce risk. To change how the portfolio behaves in stressful markets, one would need assets that zig when equities zag, such as bonds or low‑correlated strategies.
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.
On the risk‑return chart, the current portfolio sits below the efficient frontier, meaning it is not using its existing holdings in the most effective mix. The optimal portfolio, using only these three ETFs but in different weights, offers a higher Sharpe ratio (better return per unit of risk) at slightly lower volatility. The minimum variance version keeps expected returns high while dialing risk down even further. An efficient frontier is like a menu of best possible trade‑offs for given ingredients; being below it means there’s free room for improvement. Reweighting between the three global funds could slightly boost expected returns or reduce risk without adding new products.
Ongoing product costs
- SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.40%
- Weighted costs total (per year) 0.13%
Reported total ongoing charges are impressively low, around 0.13% overall, despite one ETF having a 0.40% fee. Low Total Expense Ratios (TERs) matter because costs compound in reverse: every 0.1% saved annually can add up meaningfully over decades. This portfolio’s cost level is firmly in the “efficient” zone for diversified global equity exposure. The main cost angle to watch is whether all three overlapping global funds are needed, or if a simpler one‑ or two‑ETF setup could trim fees slightly further without sacrificing diversification. Still, costs here are already supportive of strong long‑term performance and compare very favorably with typical active or complex strategies.
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