One fund to rule them all and hope the market never decides to hate everything
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
Balanced Investors
This setup suits someone who wants markets to work for them but has zero interest in playing fund-picking hero. They’re willing to accept real volatility, including 30%-plus drawdowns, as long as the long-term odds look good and the process stays simple. The likely goal is steady wealth building over a long horizon, not flashy outperformance or tactical games. They value low effort and low costs more than customization or control. Emotionally, they’re either pretty chill about market swings or they’re aspiring to be and hoping simplicity will stop them from doing something dumb at the worst possible time.
Positions
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VW Vanguard FTSE All-World UCITS ETF USD Accumulation
VWCE - IE00BK5BQT80 100.00%
This “portfolio” is basically a one-card deck: 100% in a single global equity ETF and absolutely nothing else. It’s the investing equivalent of saying “I read Boglehead once, job done” and walking away forever. On the plus side, the structure is idiot-proof: no messy overlaps, no weird satellite bets, just one blunt exposure to global stocks. The downside is there’s zero nuance — no flexibility to tilt risk up or down without demolishing the whole thing. The takeaway: it’s clean and simple, but also a bit lazy. Functional, yes. Elegant, sort of. Overengineered brainchild, absolutely not.
Growth
Historically, this thing did what a boring global equity fund is supposed to do: turned €1,000 into about €1,970 in under seven years, with a CAGR of 10.59%. Against the US market, it lagged by about 2.19% a year, which is what happens when you’re not all-in on America’s tech circus. Versus the global market, it basically matched it, edging ahead by a microscopic 0.03% — that’s statistical noise, not genius. Max drawdown of around -33% shows it bleeds just as hard in crashes as the benchmarks. Past data is useful, but like yesterday’s weather, it won’t promise the same storm pattern next time.
Asset classes
- Stocks 100%
Asset class breakdown is the subtle, nuanced mix of… 100% stocks. That’s it. No bonds, no cash buffer, no real diversifiers, just vibes and volatility. For someone tagged as “Balanced,” this is more “Balanced like a unicyclist on a tightrope” than textbook risk spreading. When markets roar, this setup looks genius. When they tank, it feels like punishment for not owning anything boring. The big lesson: asset allocation is the real risk dial. Right now, that dial is welded to “Equities Only,” which is fine if the time horizon is long and the stomach is strong, less fine if either is fragile.
Sectors
- Technology 26%
- Financials 17%
- Industrials 11%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Utilities 3%
- Real Estate 2%
Sector-wise, there’s a 26% tilt toward technology, with financials, industrials, and consumer discretionary trailing behind like backup dancers. It’s still broad, but let’s not pretend tech isn’t steering this bus. When tech rallies, everything looks clever. When tech cracks, the portfolio doesn’t escape — it limps in step. Other sectors exist, but they’re basically side characters in a very tech-centric story. The realistic expectation: you’re not running some handcrafted sector mix, you’re passively accepting whatever the global market is obsessed with. If that obsession rotates, your fate rotates right along with it.
Regions
- North America 63%
- Europe Developed 15%
- Japan 6%
- Asia Developed 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is “America first, everyone else gets a turn if there’s time.” Around 63% in North America, then dribbles into Europe, Japan, and assorted other regions. For a so-called global fund, that’s basically a polite way of admitting the rest of the world is background scenery. The good news: it mirrors the global market, so you’re not doing anything bizarre. The bad news: if the US has a lost decade, the portfolio is handcuffed to that story. The takeaway: global index investing is not “equally spread around the world,” it’s “whoever has the biggest companies gets the most control.”
Market capitalization
- Mega-cap 49%
- Large-cap 34%
- Mid-cap 16%
Market cap breakdown is a full love letter to big companies: about 49% mega-cap, 34% large-cap, with mid-caps getting a small supporting role at 16%. Small caps might as well not exist. This is classic cap-weighted indexing — the giants get more weight because they’re already huge, so the rich stay rich. The plus side: these companies are usually more stable and liquid, less likely to blow up overnight. The minus: you miss out on the more explosive (and sometimes painful) small-cap swings. Overall, this is a “large and in charge” profile, more tanker ship than speedboat.
True holdings
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NV NVIDIA Corporation 4.22%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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AA Apple Inc 3.92%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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MS Microsoft Corporation 2.96%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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AM Amazon.com Inc 2.05%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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GO Alphabet Inc Class A 1.85%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.58%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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AV Broadcom Inc 1.50%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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GO Alphabet Inc Class C 1.50%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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ME Meta Platforms Inc. 1.44%
Part of fund(s):- Vanguard FTSE All-World UCITS ETF USD Accumulation
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TS Tesla Inc 1.16%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard FTSE All-World UCITS ETF USD Accumulation
- Top 10 total 22.17%
Looking through the ETF, the top exposures are exactly what you’d expect: a shrine to mega-cap tech and friends. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — basically the usual suspects mugging the index. Even though only about 22% of holdings are visible via top-10 data, you can already see the story: you’re riding the global index, which itself is heavily tilted toward a small group of giants. Overlap here isn’t really your problem; hidden concentration is baked into the index itself. The moral: even “diversified” indexes can secretly be fan clubs for a handful of superstar companies.
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 is where it gets interesting. You’ve accidentally built a low-volatility junkie with a strong value tilt. Low volatility at 95% means you’re leaning hard toward the “less jumpy” stocks relative to the broader market — like choosing the quiet kids in class instead of the drama magnets. Value at 71% suggests a mild bias toward cheaper-looking companies over flashy, expensive darlings. The rest — size, momentum, quality, yield — is roughly neutral, so those forces aren’t driving much. Translation: this setup should, in theory, handle rough markets slightly better, but it also risks being a bit dull in euphoric, speculative manias.
Risk contribution
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Vanguard FTSE All-World UCITS ETF USD Accumulation
Weight: 100.00% 100.0%
Risk contribution is hilariously straightforward: one ETF, 100% weight, 100% of the risk. No surprises, no hidden villains. Normally, this is where something tiny quietly causes huge volatility, but here the culprit is obvious — if this one fund sneezes, the whole portfolio catches the flu. On the bright side, at least there’s nothing pretending to be low-risk while secretly swinging for the fences. If risk ever feels too spicy, the only adjustment lever is changing the allocation to this fund itself or pairing it with something calmer. As designs go, it’s brutally simple, but it leaves no room for subtle tuning.
Ongoing product costs
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0.19%
- Weighted costs total (per year) 0.19%
Costs are the one area where this portfolio is unironically sharp: a TER of 0.19% is very reasonable, especially for broad global exposure. It’s like paying bus fare instead of renting a limo; you still get where you’re going without burning money for style points. No layered product stacks, no sneaky structured nonsense, just a single low-cost ETF doing the heavy lifting. Still, low fees don’t fix everything — they just make sure you’re not bleeding extra for bad decisions. Here, at least, the fee leak is small enough that you’re not subsidizing someone else’s yacht collection.
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