Balanced portfolio with strong US exposure and a focus on growth-oriented sectors

Risikoprofil

  • Sicher
    Spekulativ

Das Risikoprofil, abgeleitet aus vergangenen Marktschwankungen, zeigt das Risiko, dem das Portfolio ausgesetzt bist. Diese Bewertung hilft dabei, Deine Investitionen mit Deinen finanziellen Zielen und Deiner Risikobereitschaft in Einklang zu bringen.

Diversifikationsprofil

  • Fokussiert
    Diversifiziert

Das Diversifikationsprofil bewertet die Verteilung von Anlagen über verschiedene Anlageklassen, Regionen und Branchen. Diese Bewertung hilft dabei, Risiken zu reduzieren, Renditen zu maximieren und eine Überkonzentration in einem einzelnen Bereich zu vermeiden.

Für welchen Anlegertyp dieses Portfolio geeignet ist

Ausgewogene Anleger

This portfolio suits an investor with a balanced risk tolerance, seeking growth with a medium to long-term investment horizon. The emphasis on equities, particularly in growth sectors like technology, indicates a willingness to accept some volatility for the potential of higher returns. It's ideal for those who value diversification across asset classes and geographies while maintaining a focus on cost-efficiency. Such an investor likely prioritizes achieving steady growth over time while managing risk through strategic diversification.

Positionen

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    31,00%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    26,00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    15,00%
  • Vanguard Total Bond Market Index Fund ETF Shares
    BND - US9219378356
    14,00%
  • VanEck Gold Miners ETF
    GDX - US92189F1066
    5,00%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    VBR - US9229086114
    5,00%
  • iShares Silver Trust
    SLV - US46428Q1094
    3,00%
  • VanEck Junior Gold Miners ETF
    GDXJ - US92189F7915
    1,00%

The portfolio is composed of a mix of ETFs, primarily focused on US stocks, with a significant portion in the Vanguard Total Stock Market Index Fund ETF Shares (31%) and the Invesco NASDAQ 100 ETF (26%). This composition suggests a growth-oriented strategy with a focus on large-cap stocks. The inclusion of international stocks, bonds, and commodities adds diversification. Compared to a typical balanced portfolio, it leans more towards equities, indicating a higher risk tolerance. Consider reviewing the balance between asset classes to ensure alignment with your risk tolerance and investment goals.

Wachstum Info

Historically, the portfolio has delivered a strong Compound Annual Growth Rate (CAGR) of 11.05%, which is impressive compared to typical balanced portfolios. However, the maximum drawdown of -27.07% indicates potential vulnerability during market downturns. This performance suggests a portfolio that has capitalized on bull markets but may face challenges in volatile periods. It's essential to ensure that your risk tolerance aligns with these historical drawdowns to avoid discomfort during market corrections.

Prognose Info

The Monte Carlo simulation, a method that uses historical data to project future outcomes, suggests a median potential growth of 134.16% over a specified period. However, there's a wide range of outcomes, with a 5th percentile showing a potential loss of -53.74%. While 814 out of 1,000 simulations resulted in positive returns, it's crucial to remember that past data doesn't guarantee future results. Regularly reviewing your portfolio's alignment with your financial goals and risk tolerance can help mitigate potential adverse outcomes.

Anlageklassen Info

  • Aktien
    82%
  • Anleihen
    14%
  • Sonstige
    3%
  • Cash
    1%
  • Keine Daten
    0%

The portfolio is heavily weighted towards stocks, accounting for approximately 82% of the total allocation. Bonds make up about 14%, while other asset classes, including commodities, represent a small portion. This equity-heavy allocation is typical for a growth-focused strategy but may expose the portfolio to higher volatility. Diversifying further into bonds or other asset classes could enhance stability, especially during market downturns. Balancing growth potential with risk mitigation is key to achieving long-term investment success.

Branchen Info

  • Technologie
    26%
  • Zyklische Konsumgüter
    10%
  • Finanzen
    9%
  • Grundstoffe
    8%
  • Telekommunikation
    8%
  • Industriegüter
    7%
  • Gesundheitswesen
    6%
  • Basiskonsumgüter
    4%
  • Energie
    2%
  • Immobilien
    2%
  • Versorgungsunternehmen
    2%

The portfolio's sector allocation shows a significant concentration in technology (25.87%), followed by consumer cyclicals and financial services. This tech-heavy focus aligns with recent market trends but can lead to increased volatility, particularly if interest rates rise. The exposure to diverse sectors like healthcare and industrials provides some balance, yet further diversification could be beneficial. Consider evaluating sector weights regularly to ensure they align with your market outlook and risk profile, potentially adjusting as economic conditions change.

Regionen Info

  • Nordamerika
    67%
  • Europa
    6%
  • Asien Schwellenländer
    3%
  • Japan
    2%
  • Asien
    2%
  • Australasia
    1%
  • Afrika/Mittlerer Osten
    1%
  • Lateinamerika
    1%
  • Europa Schwellenländer
    0%

With 66.58% of assets allocated to North America, the portfolio has a strong domestic focus, which can be beneficial given the region's robust market performance. However, this concentration may limit exposure to growth opportunities in emerging markets. The portfolio includes modest allocations to Europe and Asia, which can provide some geographic diversification. Expanding exposure to underrepresented regions could enhance growth potential and reduce risk associated with over-reliance on any single geographic area.

Redundante Positionen Info

  • VanEck Gold Miners ETF
    VanEck Junior Gold Miners ETF
    Hohe Korrelation

The portfolio contains highly correlated assets, particularly between the VanEck Gold Miners ETF and VanEck Junior Gold Miners ETF. High correlation means these assets tend to move together, which can limit diversification benefits. Reducing overlap by selecting less correlated alternatives could enhance diversification and risk management. It's important to regularly assess the correlation of portfolio holdings to ensure they contribute to overall stability and are aligned with your investment strategy.

Ausschüttungen Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3,70%
  • VanEck Junior Gold Miners ETF 2,40%
  • Invesco NASDAQ 100 ETF 0,60%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1,40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1,30%
  • Vanguard Total International Stock Index Fund ETF Shares 3,40%
  • Gewichtete Ausschüttungen (pro Jahr) 1,68%

The portfolio's overall dividend yield is 1.68%, with the Vanguard Total Bond Market Index Fund ETF Shares contributing the highest yield at 3.7%. While dividends can provide a steady income stream, the current yield is relatively modest. For investors seeking income, exploring higher-yielding assets or dividend-focused strategies might be worthwhile. However, it's crucial to balance yield with growth potential and risk, as higher yields often come with increased volatility.

Laufende Produktkosten Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0,03%
  • VanEck Gold Miners ETF 0,51%
  • VanEck Junior Gold Miners ETF 0,52%
  • Invesco NASDAQ 100 ETF 0,15%
  • iShares Silver Trust 0,50%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0,07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0,03%
  • Vanguard Total International Stock Index Fund ETF Shares 0,08%
  • Gewichtete Gesamtkosten (pro Jahr) 0,11%

The portfolio's total expense ratio (TER) is 0.11%, which is commendably low and supports better long-term returns by minimizing costs. Vanguard's funds, known for their cost-effectiveness, contribute significantly to this low TER. Keeping costs in check is crucial for maximizing returns, as high fees can erode gains over time. Regularly reviewing and comparing fund expenses can help ensure that the portfolio remains cost-efficient, potentially exploring even lower-cost options if available.

Risiko vs. Rendite

Dieser Chart zeigt die Efficient Frontier, berechnet auf Basis deiner aktuellen Positionen mit unterschiedlichen Gewichtungen. Er hebt das beste Verhältnis zwischen Risiko und Rendite hervor, basierend auf historischen Daten. "Effiziente" Portfolios maximieren die Rendite für ein gegebenes Risiko oder minimieren das Risiko für eine gegebene Rendite. Portfolios unterhalb der Kurve sind weniger effizient. Diese Grafik dient nur zu Informationszwecken und stellt keine Empfehlung zum Kauf oder Verkauf von Wertpapieren dar.

The portfolio could potentially be optimized using the Efficient Frontier, a concept that helps identify the best possible risk-return ratio based on current assets. This involves adjusting allocations to achieve maximum returns for a given level of risk. However, this optimization focuses solely on the existing assets and their allocation, not on diversification or other goals. Regularly assessing whether your portfolio is operating efficiently can help ensure that it aligns with your risk tolerance and investment objectives.

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