A well-diversified balanced portfolio with a focus on U.S. equities and tax-exempt bonds
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 seeking balanced growth with moderate risk tolerance and a medium to long-term horizon. It offers a diversified mix of equities and bonds, providing both growth potential and income. The focus on U.S. equities and tax-exempt bonds aligns with a strategy that prioritizes stability while capturing market gains. This makes it ideal for individuals looking to build wealth steadily, with a preference for cost-efficient and tax-advantaged investments. The portfolio's structure supports a balanced approach, appealing to investors who value diversification and risk management.
Positionen
-
Vanguard S&P 500 ETF
VOO - US9229083632 40,00% -
Vanguard Small-Cap Growth Index Fund ETF Shares
VBK - US9229085959 20,00% -
Vanguard ESG International Stock
VSGX - US9219107250 20,00% -
Vanguard Tax-Exempt Bond Index Fund ETF Shares
VTEB - US9229077469 20,00%
The portfolio is composed of 60% equities and 20% bonds, with a small cash allocation. It leans heavily on U.S. equities, primarily through the Vanguard S&P 500 ETF, which constitutes 40% of the portfolio. This composition aligns well with a balanced investment strategy, providing a mix of growth and income. Such a structure can offer stability and growth potential, although it may limit exposure to high-growth sectors or regions. To enhance diversification, consider adding more international or alternative asset classes, which could provide additional growth opportunities and risk mitigation.
Wachstum
Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 8.24%, showcasing solid performance. The maximum drawdown, or the largest peak-to-trough decline, was -29.76%, indicating potential volatility during market downturns. This performance is comparable to major market indices, suggesting that the portfolio has captured market gains effectively. While past performance is not indicative of future results, it provides a benchmark for evaluating the portfolio's resilience and growth potential. Regularly reviewing performance against benchmarks can help identify areas for improvement or adjustment.
Prognose
Monte Carlo simulations project potential future outcomes using historical data. With 1,000 simulations, the portfolio's annualized return was 7.51%, with a 5th percentile downturn of -34.6% and a 67th percentile gain of 209.0%. These projections offer a range of possible scenarios, highlighting both potential risks and rewards. While useful, simulations are based on past data and cannot predict future market conditions with certainty. Regularly updating projections and considering new market information can help refine expectations and guide strategic adjustments.
Anlageklassen
- Aktien 79%
- Anleihen 20%
- Cash 1%
- Sonstige 0%
- Keine Daten 0%
The portfolio's asset allocation consists of 79% equities and 20% bonds, with minimal cash. This mix is typical for a balanced portfolio, offering both growth potential and income generation. The heavy equity weighting may provide higher returns over the long term but can also increase volatility. Bonds offer stability and income, particularly with the inclusion of tax-exempt bonds. To further enhance diversification, consider exploring alternative asset classes like real estate or commodities, which can provide additional income streams and reduce correlation with traditional assets.
Branchen
- Technologie 21%
- Finanzen 13%
- Gesundheitswesen 10%
- Zyklische Konsumgüter 9%
- Industriegüter 9%
- Telekommunikation 6%
- Basiskonsumgüter 4%
- Immobilien 3%
- Energie 2%
- Grundstoffe 2%
- Versorgungsunternehmen 1%
Sector allocation is diversified, with technology at 21% and financial services at 13%. This distribution reflects a strong alignment with benchmark indices, offering exposure to key growth areas. However, technology's high allocation may increase volatility, especially during interest rate changes. The presence of sectors like healthcare and consumer cyclicals provides balance and can help mitigate sector-specific risks. Regularly monitoring sector trends and adjusting allocations can optimize risk and return, ensuring alignment with evolving market conditions and personal investment goals.
Regionen
- Nordamerika 61%
- Europa 8%
- Japan 3%
- Asien Schwellenländer 3%
- Asien 2%
- Australasia 1%
- Afrika/Mittlerer Osten 1%
- Lateinamerika 0%
- Europa Schwellenländer 0%
Geographic allocation is concentrated in North America at 61%, with limited exposure to other regions. This concentration can benefit from U.S. market strength but may increase vulnerability to domestic economic fluctuations. Diversifying into regions like Europe and Asia could enhance global exposure and reduce regional risk. While the portfolio includes some international equities, increasing allocations to emerging markets or other developed regions can provide growth opportunities and further diversify risk. Regularly assessing geographic allocation can help maintain a balanced global perspective.
Marktkapitalisierung
- Sehr groß 27%
- Groß 20%
- Mittel 17%
- Klein 13%
- Mikro 2%
The portfolio's market capitalization is well-distributed, with 27% in mega-cap, 20% in big-cap, and 17% in medium-cap stocks. This allocation provides a balance between stability and growth potential. Mega-cap stocks offer reliability and steady returns, while smaller-cap stocks can provide higher growth opportunities but with increased risk. The inclusion of small and micro-cap stocks at 13% and 2%, respectively, adds diversification but may increase volatility. Regularly reviewing market cap distribution can help ensure alignment with risk tolerance and investment goals.
Ausschüttungen
- Vanguard Small-Cap Growth Index Fund ETF Shares 0,60%
- Vanguard S&P 500 ETF 1,40%
- Vanguard ESG International Stock 3,10%
- Vanguard Tax-Exempt Bond Index Fund ETF Shares 3,30%
- Gewichtete Ausschüttungen (pro Jahr) 1,96%
The portfolio's dividend yield is 1.96%, with the Vanguard ESG International Stock and Tax-Exempt Bond ETF contributing higher yields. Dividends can provide a steady income stream and enhance total returns, especially for income-focused investors. While the yield is moderate, it aligns with a balanced strategy, offering both growth and income. Regularly reviewing dividend yields and considering high-yield opportunities can help maximize income potential, supporting reinvestment or cash flow needs depending on personal financial objectives.
Laufende Produktkosten
- Vanguard Small-Cap Growth Index Fund ETF Shares 0,07%
- Vanguard S&P 500 ETF 0,03%
- Vanguard ESG International Stock 0,12%
- Vanguard Tax-Exempt Bond Index Fund ETF Shares 0,05%
- Gewichtete Gesamtkosten (pro Jahr) 0,06%
The portfolio's total expense ratio (TER) is 0.06%, reflecting low costs due to the use of Vanguard ETFs. Low costs can significantly enhance long-term returns by minimizing fees that erode gains. This cost efficiency is a strong advantage, supporting better performance over time. While the current costs are impressively low, regularly reviewing expense ratios and exploring cost-effective alternatives can ensure continued cost efficiency. This proactive approach helps maximize net returns and aligns with best practices for portfolio management.
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 can be optimized using the Efficient Frontier, which identifies the best risk-return ratio for the current asset mix. By adjusting allocations, the portfolio can achieve an optimal balance between risk and return. This optimization focuses on maximizing returns for a given level of risk, rather than diversification alone. Regularly reviewing and adjusting the portfolio in line with the Efficient Frontier can enhance performance, ensuring it meets personal risk tolerance and investment objectives effectively.
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