Balanced Portfolio with Global Exposure and Moderate Diversification Focused on MSCI World ETFs

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 is suitable for investors who are balanced and moderately risk-tolerant, seeking global exposure primarily through equities. These investors are typically focused on long-term growth, with an investment horizon of at least five to ten years. They are comfortable with some level of market volatility and are willing to accept potential drawdowns in pursuit of higher returns. While income generation is not their primary goal, they appreciate the potential for capital appreciation and diversification across various sectors and geographies, aiming to achieve a well-rounded investment strategy.

Positionen

  • iShares Core MSCI World UCITS ETF USD (Acc)
    EUNL - IE00B4L5Y983
    25,00%
  • HSBC MSCI World UCITS ETF
    H4ZJ - IE00B4X9L533
    25,00%
  • iShares MSCI World UCITS ETF USD (Dist) EUR
    IQQW - IE00B0M62Q58
    25,00%
  • db x-trackers MSCI World Index UCITS DR 1C
    XDWD - IE00BJ0KDQ92
    25,00%

The portfolio is composed entirely of MSCI World ETFs, each contributing equally to the overall allocation. This uniform distribution across four different ETFs provides a balanced exposure to global equities. With a risk classification of "Cat_Balanced," the portfolio aims to maintain stability while pursuing growth. The diversification score indicates a moderate spread, suggesting some level of risk management. This composition is relevant as it shows a reliance on a single asset class, stocks, which can offer high returns but also comes with higher volatility. To enhance diversification, consider incorporating other asset classes like bonds or real estate.

Wachstum

Historically, the portfolio has performed well, with a Compound Annual Growth Rate (CAGR) of 11.66%. However, it also experienced a significant maximum drawdown of -33.65%, indicating potential risk during market downturns. This performance highlights the portfolio's ability to generate substantial returns while also being susceptible to market volatility. Understanding this historical context is crucial for setting realistic expectations. To mitigate the impact of future drawdowns, consider strategies that focus on risk management, such as diversifying into less volatile asset classes or employing hedging techniques.

Prognose

The Monte Carlo simulation, which uses random sampling to predict future outcomes, suggests a wide range of potential portfolio values. With a hypothetical initial investment, the median projection indicates a 400.14% increase, while the 5th percentile shows a more conservative 79.81% gain. The high count of simulations with positive returns (998 out of 1,000) and an annualized return of 13.15% reflect the portfolio's growth potential. However, this also underscores the importance of preparing for different scenarios. To ensure alignment with financial goals, regularly review and adjust the portfolio based on changing market conditions and personal circumstances.

Anlageklassen

  • Aktien
    75%
  • Cash
    0%
  • Sonstige
    0%
  • Anleihen
    0%

The portfolio is heavily weighted in stocks, with over 74% allocation, and minimal exposure to other asset classes like cash and bonds. This concentration on equities can lead to higher returns but also increases risk due to market volatility. Understanding the asset class distribution is essential for managing risk and aligning with investment objectives. To achieve a more balanced risk profile, consider incorporating additional asset classes such as bonds, which can provide stability and income during market downturns, thus enhancing the overall resilience of the portfolio.

Branchen

  • Technologie
    20%
  • Finanzen
    12%
  • Gesundheitswesen
    8%
  • Zyklische Konsumgüter
    8%
  • Industriegüter
    8%
  • Telekommunikation
    6%
  • Basiskonsumgüter
    5%
  • Energie
    3%
  • Grundstoffe
    2%
  • Versorgungsunternehmen
    2%
  • Immobilien
    2%

Sector allocation is diverse, with technology leading at 20%, followed by financial services, healthcare, and consumer cyclicals. This distribution offers exposure to various economic sectors, potentially reducing the impact of sector-specific downturns. However, the concentration in technology could expose the portfolio to sector-specific risks. Understanding sector allocation helps in assessing the portfolio's sensitivity to economic changes. To further mitigate risks, consider rebalancing the sector exposure periodically to maintain a diversified approach, ensuring no single sector disproportionately influences the portfolio's performance.

Regionen

  • Nordamerika
    57%
  • Europa
    12%
  • Japan
    4%
  • Australasia
    1%
  • Asien
    1%
  • Afrika/Mittlerer Osten
    0%
  • Lateinamerika
    0%
  • Asien Schwellenländer
    0%
  • Europa Schwellenländer
    0%

Geographically, the portfolio is predominantly invested in North America, with over 57% allocation, followed by Europe and Japan. This concentration reflects a focus on developed markets, which can offer stability and growth opportunities. However, it may limit exposure to emerging markets, which often provide higher growth potential albeit with increased risk. Understanding geographic allocation is crucial for assessing the portfolio's sensitivity to regional economic shifts. To diversify geographical risk, consider gradually increasing exposure to emerging markets, balancing the potential for higher returns with the associated risks.

Redundante Positionen

  • HSBC MSCI World UCITS ETF
    db x-trackers MSCI World Index UCITS DR 1C
    iShares Core MSCI World UCITS ETF USD (Acc)
    iShares MSCI World UCITS ETF USD (Dist) EUR
    Hohe Korrelation

The portfolio's assets are highly correlated, as they all track the MSCI World Index. This correlation means that the assets are likely to move in the same direction, which can amplify both gains and losses. Understanding asset correlation is vital for managing risk, as it affects the portfolio's overall volatility. To reduce correlation and enhance diversification, consider introducing assets with low or negative correlation to the existing holdings, such as bonds or commodities, which can provide a buffer during market downturns and improve risk-adjusted returns.

Ausschüttungen

  • HSBC MSCI World UCITS ETF 0,70%
  • iShares MSCI World UCITS ETF USD (Dist) EUR 1,10%
  • Gewichtete Ausschüttungen (pro Jahr) 0,45%

The portfolio's dividend yield is modest, with a total yield of 0.45%. This reflects the focus on growth-oriented ETFs, which typically reinvest earnings rather than distribute them. While dividends can provide a steady income stream, their low presence in this portfolio suggests a strategy focused on capital appreciation. Understanding dividend yield is essential for aligning the portfolio with income needs. If generating income is a priority, consider incorporating dividend-focused investments, which can offer regular payouts and contribute to overall returns, especially during periods of market volatility.

Laufende Produktkosten

  • iShares Core MSCI World UCITS ETF USD (Acc) 0,20%
  • HSBC MSCI World UCITS ETF 0,15%
  • iShares MSCI World UCITS ETF USD (Dist) EUR 0,50%
  • db x-trackers MSCI World Index UCITS DR 1C 0,17%
  • Gewichtete Gesamtkosten (pro Jahr) 0,26%

The portfolio's total expense ratio (TER) is 0.26%, indicating relatively low costs associated with the investments. Keeping costs low is crucial for maximizing net returns, as high fees can erode profits over time. Understanding the cost structure is important for evaluating the portfolio's efficiency. To maintain low costs, continue to prioritize investments with competitive expense ratios and consider passive management strategies, which often offer lower fees compared to actively managed funds. Regularly reviewing and comparing costs can help ensure that the portfolio remains cost-effective and aligned with financial goals.

Was jetzt?

Erweiterte Portfolio-Optimierung

Entdecke Strategien, um deine Rendite zu verbessern und Risiken basierend auf deinem Anlageprofil zu minimieren. Greife auf weiterführende Analysen zu, um dein Portfolio zu optimieren.

Portfolio optimieren

Eigene Analyse erstellen?

Analysiere dein Portfolio

Tritt unserer Community bei!

Zum Insightfolio-Discord

Die auf dieser Plattform bereitgestellten Informationen dienen nur zu Informationszwecken und sollten nicht als Finanzberatung angesehen werden. Die dargestellten Inhalte sind allgemeiner und lehrreicher Natur und bieten Einblicke und Ideen zu verschiedenen Finanzthemen.

Insightfolio übernimmt keine Gewähr für die Richtigkeit, Vollständigkeit oder Zuverlässigkeit der dargestellten Informationen. Die Nutzer sind dafür verantwortlich, die Informationen zu überprüfen und unabhängige Entscheidungen auf der Grundlage eigener Nachforschungen und sorgfältiger Prüfung zu treffen.

Investitionen sind mit Risiken verbunden. Die Nutzer sollten sich darüber im Klaren sein, dass der Wert von Anlagen schwanken kann und dass die Wertentwicklung in der Vergangenheit kein Indikator für zukünftige Ergebnisse ist. Es ist wichtig, die eigene Risikotoleranz und die eigenen finanziellen Ziele sorgfältig abzuwägen, bevor man Anlageentscheidungen trifft.

Mit dem Zugriff auf die von Insightfolio angebotenen Dienste, Informationen oder Inhalte erklären sich die Nutzer mit den Bedingungen dieses Haftungsausschlusses einverstanden. Wenn Sie mit diesen Bedingungen nicht einverstanden sind, sehen Sie bitte von der Nutzung unserer Plattform ab.

War dieser Bericht hilfreich für dich?

Wir sind sehr an deiner ehrlichen Meinung interessiert! Gib uns Feedback