A growth-focused portfolio with high risk and low diversification in US equities

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 suits an investor with a growth focus and moderate to high risk tolerance, seeking to capitalize on US equity performance. The high concentration in equities and low diversification suggest a preference for potential high returns over stability. Ideal for those with a long-term investment horizon, it prioritizes capital appreciation. However, such an investor should be comfortable with market volatility and consider diversifying to manage risk better. Regular rebalancing and risk assessment are crucial to align with evolving financial goals.

Positionen

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    50,00%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    50,00%

This portfolio consists of two ETFs: the Vanguard S&P 500 ETF and the Vanguard Total Stock Market Index Fund ETF Shares, each making up 50% of the portfolio. This composition reflects a strong focus on US equities, with a low diversification score of 2 out of 5. A more diversified portfolio typically includes a mix of asset classes, such as bonds or international stocks. By concentrating on these two ETFs, the portfolio may be exposed to higher volatility due to lack of diversification across different asset classes or geographies. Consider introducing different asset types to mitigate risk.

Wachstum Info

Historically, the portfolio has shown a strong CAGR of 12.03%, indicating robust growth over time. This performance is commendable, especially when compared to typical benchmarks. However, the portfolio experienced a maximum drawdown of -34.48%, highlighting its vulnerability during market downturns. This volatility is expected given the high concentration in equities. While past performance is not indicative of future results, it underscores the importance of balancing risk and reward. To enhance stability, consider diversifying into less volatile assets or defensive sectors.

Prognose Info

Monte Carlo simulations, which use historical data to project potential outcomes, suggest a median portfolio growth of 342.6% over the analysis period. While 988 out of 1,000 simulations show positive returns, the reliance on historical data means these projections are not guaranteed. The simulations indicate a potential for high returns, but also emphasize the importance of considering worst-case scenarios, as seen in the 5th percentile projection of 39.9%. It's crucial to maintain a balanced perspective and consider diversifying to manage risk.

Anlageklassen Info

  • Aktien
    100%
  • Cash
    0%

The portfolio is heavily concentrated in stocks, with 100% allocation to equities. This lack of asset class diversity can lead to increased risk, especially during market downturns. In contrast, a more balanced portfolio might include bonds or alternative investments, which can provide stability and reduce overall volatility. By introducing other asset classes, investors can potentially achieve a smoother ride over varying market conditions. Consider reallocating a portion of the portfolio to fixed-income securities or other non-correlated assets.

Branchen Info

  • Technologie
    31%
  • Finanzen
    14%
  • Zyklische Konsumgüter
    11%
  • Gesundheitswesen
    11%
  • Telekommunikation
    9%
  • Industriegüter
    8%
  • Basiskonsumgüter
    6%
  • Energie
    3%
  • Versorgungsunternehmen
    3%
  • Immobilien
    2%
  • Grundstoffe
    2%

The portfolio has a significant exposure to the technology sector, comprising 31% of the total allocation. While tech stocks have driven substantial growth in recent years, they can also be more volatile, especially during periods of interest rate hikes. The portfolio's sector allocation aligns with common benchmarks, but the heavy tech focus suggests a potential for increased volatility. To mitigate this, consider diversifying into sectors that may perform well in different economic conditions, such as consumer defensive or utilities.

Regionen Info

  • Nordamerika
    99%
  • Europa
    0%
  • Asien
    0%
  • Lateinamerika
    0%
  • Asien Schwellenländer
    0%
  • Afrika/Mittlerer Osten
    0%

Geographically, the portfolio is almost entirely focused on North America, with 99% of assets allocated there. This regional concentration can expose the portfolio to risks specific to the US market. In contrast, a more geographically diverse portfolio might include exposure to Europe, Asia, or emerging markets, which can offer growth opportunities and reduce regional risk. By expanding geographic exposure, investors can potentially enhance diversification and capitalize on global economic trends.

Marktkapitalisierung Info

  • Sehr groß
    44%
  • Groß
    32%
  • Mittel
    19%
  • Klein
    4%
  • Mikro
    1%

The portfolio's market capitalization allocation is skewed towards mega and big-cap stocks, with 44% and 32% respectively. This focus on larger companies can provide stability and liquidity but may limit the potential for outsized gains often found in smaller-cap stocks. Including a higher allocation to small and medium-cap stocks could enhance growth potential and diversification. However, smaller companies can be more volatile, so it's important to balance these allocations based on individual risk tolerance.

Redundante Positionen Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Hohe Korrelation

The portfolio's assets, the Vanguard S&P 500 ETF and the Vanguard Total Stock Market Index Fund ETF, are highly correlated. This means they tend to move in the same direction, limiting the diversification benefits. In times of market stress, highly correlated assets may not provide the desired risk reduction. To improve diversification, consider including assets with lower correlation, such as international equities or bonds, which can move independently of US stocks and help manage risk.

Ausschüttungen Info

  • Vanguard S&P 500 ETF 1,40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1,40%
  • Gewichtete Ausschüttungen (pro Jahr) 1,40%

With a total dividend yield of 1.40%, the portfolio provides a modest income stream. While dividends can enhance total returns, this yield is relatively low compared to income-focused investments. For growth-oriented investors, dividends are a secondary consideration. However, if income generation becomes a priority, consider reallocating to higher-yielding assets. Balancing growth and income needs is essential for aligning the portfolio with long-term financial goals.

Laufende Produktkosten Info

  • Vanguard S&P 500 ETF 0,03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0,03%
  • Gewichtete Gesamtkosten (pro Jahr) 0,03%

The portfolio's costs are impressively low, with a Total Expense Ratio (TER) of 0.03%. These minimal fees support better long-term performance by reducing the drag on returns. Low costs are a key advantage of using index ETFs and align well with best practices for cost-efficient investing. Maintaining this low-cost structure is beneficial, but always ensure that it doesn't compromise diversification or risk management. Regularly review cost structures to ensure continued alignment with investment objectives.

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 potentially be optimized using the Efficient Frontier, which seeks the best possible risk-return ratio. However, the current high correlation between assets limits diversification benefits. By introducing less correlated assets, the portfolio's efficiency can be improved, potentially achieving higher returns without increasing risk. The optimal portfolio identified has an expected return of 12.35% with a risk level of 18.01%. Consider rebalancing to achieve a more efficient allocation.

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