A growth-oriented portfolio with a strong US focus and notable tech sector concentration

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 high risk tolerance seeking aggressive growth over a long-term horizon. It is designed for those willing to accept significant volatility for the potential of higher returns, focusing heavily on US equities and the technology sector. Ideal for investors who prioritize capital appreciation over income, it requires a proactive approach to manage sector concentration and geographic risks. This type of investor should be comfortable with market fluctuations and committed to regularly reviewing and adjusting their strategy.

Positionen

  • Fidelity 500 Index Fund
    FXAIX - US3159117502
    40,00%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    40,00%
  • TECHNOLOGY PORTFOLIO TECHNOLOGY PORTFOLIO
    FSPTX - US3163902022
    20,00%

The portfolio is heavily weighted towards two major funds: the Fidelity 500 Index Fund and the Vanguard Total Stock Market Index Fund ETF Shares, each constituting 40% of the portfolio. Additionally, a Technology Portfolio makes up the remaining 20%. This composition reflects a strong focus on US equity markets, with minimal diversification across other asset classes. Compared to common benchmarks, this portfolio is highly concentrated in stocks, lacking exposure to bonds or other asset classes that could offer risk mitigation. Consider adding bonds or alternative investments to enhance diversification and potentially reduce volatility.

Wachstum Info

Historically, the portfolio has delivered a robust Compound Annual Growth Rate (CAGR) of 15.53%, indicating strong past performance. However, it also experienced a maximum drawdown of -33.38%, highlighting significant volatility during market downturns. Comparing this to benchmark indices, the returns are impressive but come with higher risks. While past performance is not indicative of future results, the historical data suggests that the portfolio has the potential for high returns, albeit with considerable risk. Maintaining awareness of market conditions is crucial to manage potential downturns effectively.

Prognose Info

Forward projections using Monte Carlo simulations suggest a wide range of potential outcomes, with an annualized return of 18.13% across simulations. Monte Carlo simulations use historical data to model future scenarios, providing a probabilistic view of potential returns. While the 50th percentile projects a 705.79% return, it's essential to note that simulations are based on past data and cannot predict future market conditions with certainty. This highlights the importance of preparing for various outcomes and considering adjustments to improve the portfolio's resilience against adverse scenarios.

Anlageklassen

  • Aktien
    99%
  • Sonstige
    0%
  • Cash
    0%
  • Not Classified
    0%

The portfolio's allocation is overwhelmingly concentrated in stocks, accounting for 99.45% of the total assets. This lack of diversification across asset classes increases exposure to equity market volatility. In contrast, a more balanced portfolio might include bonds or alternative assets to cushion against market swings. By diversifying into different asset classes, the portfolio could achieve more stable returns and potentially reduce risk. Consider introducing fixed income or other non-equity investments to create a more balanced asset allocation.

Branchen

  • Technologie
    45%
  • Finanzen
    11%
  • Gesundheitswesen
    9%
  • Telekommunikation
    7%
  • Industriegüter
    7%
  • Basiskonsumgüter
    4%
  • Zyklische Konsumgüter
    4%
  • Zyklische Konsumgüter
    4%
  • Energie
    3%
  • Versorgungsunternehmen
    2%
  • Immobilien
    2%
  • Grundstoffe
    2%

The portfolio exhibits a significant concentration in the technology sector, which comprises approximately 45% of the total allocation. This is notably higher than typical benchmark allocations, which might suggest a more balanced sector distribution. While the tech sector has been a strong performer, its high volatility could lead to increased risk during market corrections or interest rate hikes. To mitigate sector-specific risks, consider rebalancing to achieve a more diversified sector allocation, potentially including sectors like healthcare or consumer goods.

Regionen

  • Nordamerika
    98%
  • Europa
    1%
  • Asien
    1%
  • Lateinamerika
    0%
  • Asien Schwellenländer
    0%
  • Afrika/Mittlerer Osten
    0%

Geographically, the portfolio is heavily skewed towards North America, with 98.1% of assets allocated there. This lack of international diversification could expose the portfolio to region-specific risks, such as economic downturns or policy changes in the US. Compared to global benchmarks, which typically have a more balanced geographic distribution, the portfolio could benefit from increased exposure to international markets. Consider diversifying geographically by including more assets from developed and emerging markets outside North America to enhance global exposure.

Redundante Positionen

  • Fidelity 500 Index Fund
    Vanguard Total Stock Market Index Fund ETF Shares
    Hohe Korrelation

The assets within the portfolio, particularly the Fidelity 500 Index Fund and the Vanguard Total Stock Market Index Fund ETF Shares, are highly correlated. This means they tend to move in the same direction, which can limit diversification benefits. In market downturns, highly correlated assets may not provide the risk mitigation that a more diversified portfolio would. To enhance diversification, consider reducing overlap and adding assets with lower correlation to the existing holdings, which can help buffer against market volatility.

Ausschüttungen

  • Fidelity 500 Index Fund 1,20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1,30%
  • Gewichtete Ausschüttungen (pro Jahr) 1,00%

The portfolio's dividend yield is relatively modest, with the Fidelity 500 Index Fund yielding 1.2% and the Vanguard Total Stock Market Index Fund ETF Shares at 1.3%. For growth-oriented investors, dividends can provide a steady income stream, complementing capital appreciation. However, given the portfolio's focus on growth, the low dividend yield aligns with its strategy of prioritizing capital gains over income. If income generation becomes a priority, consider incorporating higher-yielding assets to balance growth with income potential.

Laufende Produktkosten

  • TECHNOLOGY PORTFOLIO TECHNOLOGY PORTFOLIO 0,64%
  • Fidelity 500 Index Fund 0,02%
  • Vanguard Total Stock Market Index Fund ETF Shares 0,03%
  • Gewichtete Gesamtkosten (pro Jahr) 0,15%

The total expense ratio of the portfolio stands at 0.15%, which is impressively low. This cost efficiency supports better long-term performance by minimizing the drag on returns. Lower costs are beneficial as they allow more of the portfolio's earnings to compound over time. This alignment with best practices in cost management is commendable. Continue to monitor expenses and consider replacing any high-cost components with lower-fee alternatives to maintain cost efficiency.

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's risk-return profile could potentially be optimized using the Efficient Frontier, a concept that helps identify the best possible risk-return ratio for a given set of assets. Currently, the portfolio's high concentration in correlated assets suggests room for improvement. By reallocating to include less correlated and more diverse asset classes, the portfolio could achieve a more efficient balance. This optimization focuses on adjusting the existing assets rather than introducing new ones, aiming for an enhanced risk-return tradeoff.

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