Global accumulation (UCITS, EU-buyable)
Three broad UCITS index funds that EU retail investors can buy — developed world, emerging markets and world small caps — in fixed weights, each through the cheapest eligible accumulating fund.
This model is the same for every visitor and built by the published rule below. It is general research, not personal advice and not an assessment of your situation.
TERs are as curated from the issuers' documents; check each fund's KID. Weights drift between monthly rebalances.
Record since first publication
Against MSCI World (iShares URTH ETF, total return); both 100 at the first entry close.
Monitoring since first publication — far too short to judge. Past results do not predict future results; no backtest is shown.
No closes yet
The record starts at the close of 16 oct. 2026.
Total return in EUR: dividends reinvested, before taxes, fees and trading costs; forward only — see the live record for the method.
Holdings
3 holdings and their target weights at the last rebalance.
| Instrument | Weight | Balanced | Income | Dividend yield | EU retail | Notes |
|---|---|---|---|---|---|---|
| SPPWSPDR MSCI World UCITS ETF | 75,0 % | 10/10 | 10 | 0,0 % | EU retail: available | Developed world TER 0,12 % |
| IS3NiShares Core MSCI EM IMI UCITS ETF USD (Acc) | 15,0 % | 4/10 | 4 | 0,0 % | EU retail: available | Emerging markets TER 0,18 % |
| IUSNiShares MSCI World Small Cap UCITS ETF USD (Acc) | 10,0 % | 2/10 | 1 | 0,0 % | EU retail: available | World small caps TER 0,35 % |
Target weights at the last rebalance; between rebalances the weights drift with prices. Smart Scores and notes are today's.
Allocation
By sector
- ETF100,0 %
By asset class
- ETF100,0 %
The rule
Exactly what the job applies at each rebalance.
- Universe: ETF — UCITS funds traded in euros.
- Fixed weights: Developed world 75 % · Emerging markets 15 % · World small caps 10 %.
- Each part holds the cheapest eligible UCITS ETF by TER that is accumulating, traded in euros and buyable by EU retail investors (KID); a held fund stays while its TER is within 0.05 percentage points of the cheapest.
- Only instruments EU retail investors can buy (a KID exists).
- Always left out: any hard red flag, low-confidence scores, ratings not yet in the public rating log and prices older than 10 days.
- Rebalanced on the first business day on or after the 15th of each month, and at once when a rule changes.
- Benchmark
- MSCI World (iShares URTH ETF, total return)
- Currency
- EUR
- Rules version
- m1-29a7418bdc
- Data as of
- 2026-10-15 05:59 UTC
Changes
Each composition with its publication date and time (UTC).
| Published | Kind | Holdings | Added | Removed | Weight changed |
|---|---|---|---|---|---|
| Rule change | 3 | — | — | — | |
| First publication | 3 | 3 | — | — |
The names in each change are part of Invest Pro; the dates, times and counts are public.
Disclosures
- Produced by
- AI-Stock Invest (AI Stock Predictions)
- Composition published
- 15 oct. 2026, 05:59 UTC
- Valid
- until the next rebalance (16 nov. 2026) or a rule change
- Nature
- Rules-based model portfolio; general research identical for every visitor; not a forecast and not personal advice.
- Conflicts of interest
- The operator holds none of these holdings.
Every change of a model is recorded with its time next to the instrument's ratings; the operator's own trading follows the window described in the methodology. Methodology and sources
Résilier le contrat ici · Consommateurs de l'UE : 14 jours pour exercer votre droit de rétractation.