A tech-focused portfolio with strong growth potential but high correlation among assets

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 significant growth over a long-term horizon. It focuses heavily on technology and equities, making it ideal for those who are comfortable with potential volatility in pursuit of substantial capital appreciation. The investor should be prepared for market fluctuations and have a long-term perspective to weather short-term downturns. This strategy is best for those aiming to capitalize on tech-driven growth opportunities.

Positionen

  • TECHNOLOGY PORTFOLIO TECHNOLOGY PORTFOLIO
    FSPTX - US3163902022
    20,62%
  • Fidelity Select Semiconductors Portfolio
    FSELX - US3163908631
    19,76%
  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    FBGRX - US3163893031
    19,61%
  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND
    FNCMX - US3159127097
    18,87%
  • Fidelity 500 Index Fund
    FXAIX - US3159117502
    14,56%
  • FIDELITY GROWTH DISCOVERY FUND FIDELITY GROWTH DISCOVERY FUND
    FDSVX - US31617F2056
    5,46%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    1,12%

The portfolio is heavily concentrated in technology-focused funds, comprising over 66% of the total allocation. With most assets being equity funds, the portfolio leans heavily towards growth-oriented investments. Compared to a typical balanced portfolio, this composition signals a higher risk due to limited diversification across asset classes. While this aligns with a growth strategy, it may expose the portfolio to significant volatility. Diversifying into other asset classes like bonds or real estate could help reduce risk and smooth out returns.

Wachstum Info

Historically, the portfolio has performed impressively with a CAGR of 16.67%, indicating strong growth over time. However, it has also experienced a maximum drawdown of -40.44%, highlighting its vulnerability during market downturns. This performance suggests that while the portfolio can yield high returns, it comes with significant risk. Investors should be prepared for potential fluctuations and consider strategies to mitigate drawdowns, such as incorporating more stable assets or hedging techniques.

Prognose Info

The Monte Carlo simulation, which uses historical data to project potential future outcomes, suggests a wide range of possibilities for this portfolio. The median, or 50th percentile, indicates a potential return of 556.87%, but the 5th percentile shows a much lower return of 57.33%. While simulations provide useful insights, they rely on past data and cannot predict future results with certainty. Investors should view these projections as one of many tools to assess potential risks and returns, rather than definitive forecasts.

Anlageklassen Info

  • Aktien
    99%
  • Sonstige
    1%
  • Cash
    0%
  • Not Classified
    0%
  • Anleihen
    0%

The portfolio is overwhelmingly allocated to stocks, comprising nearly 99% of the total assets. This heavy equity focus can drive significant growth, but it also increases exposure to market volatility. Compared to a more diversified benchmark, this allocation lacks balance. Introducing other asset classes like bonds or commodities could enhance stability and reduce risk, especially during economic downturns when equities might underperform. A more diversified mix can help achieve a smoother return profile over time.

Branchen Info

  • Technologie
    66%
  • Zyklische Konsumgüter
    9%
  • Telekommunikation
    8%
  • Gesundheitswesen
    5%
  • Finanzen
    4%
  • Industriegüter
    3%
  • Basiskonsumgüter
    2%
  • Energie
    1%
  • Versorgungsunternehmen
    1%
  • Grundstoffe
    1%
  • Immobilien
    1%
  • Zyklische Konsumgüter
    0%

The portfolio is notably concentrated in the technology sector, which accounts for over two-thirds of its allocation. While this concentration can drive growth during tech booms, it also subjects the portfolio to sector-specific risks, such as regulatory changes or tech market corrections. A more balanced sector allocation could mitigate these risks and provide steadier returns. Considering additional exposure to sectors like healthcare or industrials might enhance diversification and reduce reliance on the tech sector's performance.

Regionen Info

  • Nordamerika
    92%
  • Europa
    4%
  • Asien
    3%
  • Asien Schwellenländer
    1%
  • Lateinamerika
    0%
  • Afrika/Mittlerer Osten
    0%
  • Japan
    0%
  • Australasia
    0%
  • Europa Schwellenländer
    0%

Geographically, the portfolio is predominantly focused on North America, with over 92% of its assets allocated there. This concentration may limit exposure to growth opportunities in other regions. By diversifying into emerging markets or other developed regions, the portfolio could benefit from a broader range of economic cycles and reduce geographic risk. Aligning geographic exposure with global benchmarks can enhance diversification and potentially improve risk-adjusted returns.

Redundante Positionen Info

  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND
    FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND
    Hohe Korrelation
  • Vanguard S&P 500 ETF
    Fidelity 500 Index Fund
    Hohe Korrelation

The portfolio has significant correlations among its assets, particularly between the Fidelity Nasdaq Composite Index Fund and the Fidelity Blue Chip Growth Fund, as well as the Vanguard S&P 500 ETF and the Fidelity 500 Index Fund. High correlation means these assets tend to move together, reducing diversification benefits. To enhance diversification, consider replacing some of these overlapping assets with those that have lower correlation, which can help manage risk during market downturns.

Ausschüttungen Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 0,20%
  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND 0,60%
  • Fidelity 500 Index Fund 1,20%
  • Vanguard S&P 500 ETF 1,20%
  • Gewichtete Ausschüttungen (pro Jahr) 0,34%

The portfolio's dividend yield is relatively low at 0.34%, reflecting its growth-focused strategy. While dividends can provide a steady income stream, this portfolio prioritizes capital appreciation over income generation. Investors seeking higher income might consider adding dividend-focused funds or stocks. However, for those focused on growth, the current yield may be acceptable, provided the portfolio's capital gains continue to meet long-term objectives.

Laufende Produktkosten Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 0,47%
  • FIDELITY GROWTH DISCOVERY FUND FIDELITY GROWTH DISCOVERY FUND 0,66%
  • FIDELITY NASDAQ COMPOSITE INDEX FUND FIDELITY NASDAQ COMPOSITE INDEX FUND 0,29%
  • Fidelity Select Semiconductors Portfolio 0,65%
  • TECHNOLOGY PORTFOLIO TECHNOLOGY PORTFOLIO 0,64%
  • Fidelity 500 Index Fund 0,02%
  • Vanguard S&P 500 ETF 0,03%
  • Gewichtete Gesamtkosten (pro Jahr) 0,45%

The portfolio's total expense ratio (TER) is 0.45%, which is relatively low and supports better long-term performance by minimizing costs. This efficient cost structure is beneficial, as high fees can erode returns over time. Investors should continue monitoring fund fees and consider lower-cost alternatives if available. Maintaining a focus on cost efficiency will help maximize net returns and contribute positively to the portfolio's overall performance.

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 could benefit from optimization using the Efficient Frontier, which seeks the best possible risk-return ratio. However, before optimizing, addressing the high correlation among assets is crucial, as it limits diversification benefits. By reallocating funds to less correlated assets, the portfolio can achieve a more efficient risk-return balance. This approach focuses on enhancing returns for a given level of risk, rather than merely diversifying for its own sake.

Was jetzt?

Eigene Analyse erstellen?

Analysiere dein Portfolio

Tritt unserer Community bei!

Zum Insightfolio-Discord

Die Informationen auf dieser Plattform dienen nur zu Informationszwecken und sind nicht als Finanz- oder Anlageberatung zu verstehen. Insightfolio bietet keine Anlageberatung, keine individuellen Empfehlungen und keine Hinweise zum Kauf, Halten oder Verkauf von Finanzanlagen. Die Tools und Inhalte sind rein zu Bildungszwecken gedacht und nicht auf individuelle Umstände, finanzielle Bedürfnisse oder Ziele zugeschnitten.

Insightfolio übernimmt keine Haftung für die Genauigkeit, Vollständigkeit oder Verlässlichkeit der bereitgestellten Informationen. Es liegt allein bei den Nutzern, die Informationen zu überprüfen und unabhängige Entscheidungen auf Basis eigener Recherche und sorgfältiger Überlegungen zu treffen. Die Nutzung der Plattform ersetzt nicht die Beratung durch qualifizierte Finanzexpert*innen.

Investitionen sind mit Risiken verbunden. Nutzer*innen sollten sich bewusst sein, dass der Wert von Anlagen schwanken kann und vergangene Leistungen keine Garantie für zukünftige Ergebnisse sind. Anlageentscheidungen sollten auf persönlichen finanziellen Zielen, Risikobereitschaft und einer unabhängigen Bewertung der relevanten Informationen basieren.

Insightfolio unterstützt oder garantiert nicht die Eignung bestimmter Finanzprodukte, Wertpapiere oder Strategien. Alle auf der Plattform präsentierten Prognosen, Vorhersagen oder hypothetischen Szenarien dienen nur zu Veranschaulichungszwecken und stellen keine Garantie dar.

Durch den Zugriff auf die Dienste, Informationen oder Inhalte von Insightfolio bestätigen die Nutzer*innen, dass sie die Bedingungen dieses Haftungsausschlusses akzeptieren. Wer diese Bedingungen nicht akzeptiert, sollte die Plattform nicht nutzen.