Growth-Oriented Portfolio with Strong Diversification and Moderate Risk for Long-Term Investors

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

Wachstumsorientierte Anleger

This portfolio is suitable for growth-oriented investors with a moderate to high risk tolerance, seeking long-term capital appreciation. Such investors are typically comfortable with market volatility and have a longer investment horizon, allowing them to ride out market fluctuations. The broad diversification across sectors and geographies suits those who appreciate a balanced approach, while the high stock allocation aligns with individuals aiming for potentially higher returns. This portfolio is ideal for investors focused on wealth accumulation, rather than immediate income generation, and who prioritize growth over stability.

Positionen

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    40,00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    20,00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    20,00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    10,00%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    10,00%

The portfolio is composed of five ETFs, with a notable 40% allocation to the Vanguard Total Stock Market Index Fund ETF Shares. This composition reflects a strong focus on U.S. stocks, balanced with international exposure through the Vanguard Total International Stock Index Fund and Avantis International Small Cap Value ETF. The inclusion of Schwab U.S. Dividend Equity ETF adds a dividend-focused element, which can provide a steady income stream. This mix indicates a growth-oriented strategy with a diversified approach, suitable for long-term wealth accumulation. To maintain this balance, regularly review the allocation to ensure it aligns with your financial goals and risk tolerance.

Wachstum Info

Historically, the portfolio has delivered a commendable compound annual growth rate (CAGR) of 14.92%, with a maximum drawdown of -37.65%. This performance suggests a robust growth trajectory, albeit with significant volatility, characteristic of equity-heavy portfolios. The days that make up 90% of returns being just 15 indicates a concentrated period of significant gains, a common trait in high-growth portfolios. To capitalize on this performance, consider maintaining a long-term investment horizon to weather short-term market fluctuations and to benefit from compounding returns over time.

Prognose Info

A Monte Carlo simulation was conducted, using a hypothetical initial investment, to project future portfolio performance. With 1,000 simulations, the annualized return averaged 14.88%, showing a promising growth outlook. The 5th percentile projection at 33.43% and the 67th percentile at 668.24% highlight the range of potential outcomes, underscoring the inherent uncertainty in market investments. This analysis suggests a high likelihood of positive returns, but also emphasizes the importance of risk management. Continuously assess your risk tolerance and adjust your portfolio as needed to align with your long-term financial objectives.

Anlageklassen

  • Aktien
    99%
  • Cash
    1%
  • Sonstige
    0%
  • Anleihen
    0%
  • Keine Daten
    0%

The portfolio is heavily weighted in stocks, comprising 99.46% of the total allocation, with minimal exposure to other asset classes like cash, bonds, and others. This stock-centric approach aligns with a growth-focused investment strategy, aiming for higher returns at the cost of increased volatility. While this can be beneficial in a bull market, it also exposes the portfolio to significant risks during market downturns. To mitigate potential risks, consider diversifying into other asset classes, such as bonds or alternative investments, to enhance stability and reduce overall portfolio volatility.

Branchen

  • Finanzen
    19%
  • Technologie
    18%
  • Industriegüter
    14%
  • Zyklische Konsumgüter
    12%
  • Gesundheitswesen
    9%
  • Energie
    8%
  • Basiskonsumgüter
    6%
  • Grundstoffe
    6%
  • Telekommunikation
    5%
  • Immobilien
    2%
  • Versorgungsunternehmen
    2%

The sector allocation within the portfolio is diverse, with significant exposure to Financial Services (19.02%), Technology (17.62%), and Industrials (13.75%). This broad sector distribution helps mitigate risks associated with any single industry's downturn. However, the heavy concentration in certain sectors could lead to heightened volatility. To further optimize sector allocation, periodically review the portfolio's sector balance and adjust as necessary to ensure it remains aligned with your investment strategy and risk profile. This proactive approach can enhance the portfolio's resilience to sector-specific economic shifts.

Regionen

  • Nordamerika
    72%
  • Europa
    12%
  • Japan
    6%
  • Asien Schwellenländer
    3%
  • Asien
    2%
  • Australasia
    2%
  • Afrika/Mittlerer Osten
    1%
  • Lateinamerika
    1%
  • Europa Schwellenländer
    0%

The geographic composition is predominantly North American, with 72.03% invested in this region, followed by Europe Developed at 12.07% and Japan at 6.25%. This distribution reflects a strong home-country bias, which can be advantageous due to familiarity with local markets. However, it also limits exposure to potentially high-growth regions. To achieve a more balanced global diversification, consider increasing allocations to emerging markets and other developed regions. This strategy can provide exposure to diverse economic cycles and growth opportunities, enhancing the portfolio's overall performance potential.

Redundante Positionen

  • Vanguard Total International Stock Index Fund ETF Shares
    Avantis® International Small Cap Value ETF
    Hohe Korrelation

The portfolio exhibits high correlation between the Vanguard Total International Stock Index Fund ETF Shares and Avantis International Small Cap Value ETF. This correlation suggests overlapping investments that may not provide the intended diversification benefits. While diversification reduces risk, excessive overlap can limit potential gains. To optimize the portfolio, consider reducing exposure to highly correlated assets and reallocating to investments with lower correlation. This approach can enhance diversification, reduce risk, and improve overall portfolio efficiency, aligning with your long-term investment goals.

Ausschüttungen

  • Avantis® International Small Cap Value ETF 3,10%
  • Avantis® U.S. Small Cap Value ETF 1,50%
  • Schwab U.S. Dividend Equity ETF 3,40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1,30%
  • Vanguard Total International Stock Index Fund ETF Shares 3,00%
  • Gewichtete Ausschüttungen (pro Jahr) 2,07%

The portfolio's dividend yield stands at 2.07%, with contributions from the Schwab U.S. Dividend Equity ETF (3.4%) and other ETFs. This yield provides a modest income stream, complementing the growth-oriented strategy. Dividends can be a valuable source of passive income, especially during market downturns. To maximize dividend income, consider reinvesting dividends to benefit from compounding effects or reallocating to higher-yielding investments if income generation becomes a priority. Regularly review dividend policies and yields to ensure they align with your financial needs and investment objectives.

Laufende Produktkosten

  • Avantis® International Small Cap Value ETF 0,36%
  • Avantis® U.S. Small Cap Value ETF 0,25%
  • Schwab U.S. Dividend Equity ETF 0,06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0,03%
  • Vanguard Total International Stock Index Fund ETF Shares 0,08%
  • Gewichtete Gesamtkosten (pro Jahr) 0,12%

The portfolio's total expense ratio (TER) is 0.12%, reflecting a cost-effective investment strategy. Low costs are crucial in maximizing net returns, as they reduce the drag on overall performance. The TER is primarily driven by the Avantis International Small Cap Value ETF at 0.36%, while other ETFs offer lower expense ratios. To maintain cost efficiency, continue monitoring expense ratios and consider reallocating to lower-cost alternatives if the TER increases significantly. This approach helps ensure that investment costs remain manageable, allowing more of your returns to contribute to wealth growth.

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.

Before optimizing the portfolio, focus on reducing overlap by addressing highly correlated assets that don't enhance diversification. Once resolved, consider the efficient frontier to adjust risk levels. Moving right on the frontier increases risk and potential returns, while shifting left offers a more conservative approach. This strategic adjustment can align the portfolio with your risk appetite and financial goals. Optimization should be a continuous process, adapting to changing market conditions and personal circumstances, ensuring that the portfolio remains efficient and aligned with your long-term investment strategy.

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