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.
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.
Ausgewogene Anleger
This portfolio suits a balanced investor seeking moderate growth with some income generation. Ideal for individuals with a medium-term investment horizon and a moderate risk tolerance. The focus on U.S. equities and dividend yield aligns with goals of achieving steady capital appreciation and regular income. This investor values diversification but is comfortable with some volatility, aiming for a mix of stability and growth. They appreciate low costs and are open to enhancing diversification to mitigate risks and optimize returns.
The portfolio is composed of a mix of ETFs and individual stocks, with a strong emphasis on U.S. equities. The largest holding is the Vanguard S&P 500 ETF, making up 25% of the portfolio, followed by the Schwab U.S. Dividend Equity ETF at 20%. This allocation suggests a focus on stable, large-cap U.S. companies. Additionally, there's a 10% allocation to real estate through Realty Income Corp and the Vanguard Real Estate Index Fund. This composition provides a balance between growth and income, but it could benefit from further diversification to mitigate risks.
Historically, the portfolio has performed well, with a compound annual growth rate (CAGR) of 10.25%. This indicates that a hypothetical initial investment would have grown significantly over time. However, the maximum drawdown of -33.35% highlights potential volatility, which is a risk factor to consider. The days that make up 90% of returns are concentrated, suggesting that returns are driven by a few significant events. This performance reflects the portfolio's balanced risk profile, which is suitable for investors seeking moderate growth with some volatility.
A Monte Carlo simulation was conducted with 1,000 simulations to forecast potential future performance. This method uses random sampling to model possible outcomes of an investment over time. The median result shows a potential portfolio value increase of 213.69%, with a 67th percentile projection of 332.14%. With 949 simulations showing positive returns, the annualized return across all simulations is 10.01%. This projection suggests a positive outlook, but it's important to remember that actual future performance can vary significantly.
The portfolio's asset class allocation is predominantly in stocks, comprising 79.81% of the total. Real estate represents 10%, while bonds and cash make up 4.21% and 5.95%, respectively. This allocation leans towards growth-oriented investments, with a smaller emphasis on income-generating assets like bonds. The stock-heavy composition aligns with a balanced risk profile, offering potential for capital appreciation. However, introducing more bonds could reduce volatility and provide a cushion during market downturns, enhancing the portfolio's stability.
The sector allocation is diverse, with significant investments in real estate, technology, and financial services. Real estate leads at 20.81%, followed by technology at 12.67% and financial services at 10.37%. This spread across sectors helps mitigate risks associated with sector-specific downturns. However, the high concentration in real estate may expose the portfolio to sector-specific risks. Balancing this with increased exposure to underrepresented sectors, such as basic materials and energy, could enhance diversification and reduce potential volatility.
Geographically, the portfolio is heavily weighted towards North America, accounting for 80.80% of the assets. The remaining allocation is spread thinly across Europe Developed, Japan, and other regions. While this North American focus aligns with the investor's region, it may limit exposure to growth opportunities in emerging markets. Diversifying geographically can reduce regional risks and tap into global growth trends. Expanding investments in Europe, Asia, and other emerging markets could provide a more balanced global exposure and potentially enhance returns.
The portfolio contains highly correlated assets, particularly among U.S. equity ETFs like the Vanguard S&P 500 ETF, Vanguard Dividend Appreciation Index Fund, and Schwab U.S. Dividend Equity ETF. This correlation suggests that these assets tend to move in the same direction, offering limited diversification benefits. While these assets are individually strong, reducing overlap could enhance the portfolio's risk-adjusted returns. Introducing assets with low correlation to the existing holdings can help mitigate risks and improve overall portfolio performance.
The portfolio has a respectable total dividend yield of 3.06%, with contributions from various sources. Realty Income Corp offers the highest yield at 5.4%, followed by the iShares Short Treasury Bond ETF at 5.1%. This dividend focus provides a steady income stream, appealing to investors seeking regular cash flow. However, relying heavily on dividends can expose the portfolio to interest rate risks. Balancing dividend-paying stocks with growth-oriented investments could help maintain a healthy income while capturing capital appreciation opportunities.
The portfolio's total expense ratio (TER) is 0.06%, reflecting low investment costs. This is advantageous as lower fees can significantly enhance net returns over time. The Vanguard S&P 500 ETF, with an expense ratio of 0.03%, is the most cost-effective component. Keeping costs low is a smart strategy, allowing more of the portfolio's returns to compound over time. However, it's essential to ensure that low costs do not compromise the quality of the investments. Regularly reviewing and optimizing the cost structure can further improve performance.
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.
Before optimizing the portfolio, addressing the overlap of highly correlated assets is crucial. Reducing redundancy can enhance diversification and improve risk-adjusted returns. Moving along the efficient frontier allows for adjusting risk levels. For a riskier profile, increase exposure to growth assets, while for a more conservative approach, shift towards bonds and cash. This strategy aligns with the investor's risk appetite and financial goals. Prioritize diversification and cost management to maximize long-term performance and resilience.
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