Balanced Portfolio with Strong U.S. Focus and Broad Diversification Across Multiple Sectors and Asset Classes

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

Suitable for investors who value a balanced approach, this portfolio aligns with moderate risk tolerance, aiming for growth and stability. Ideal for those with a medium to long-term investment horizon, it provides broad diversification across sectors and geographies. Investors should be comfortable with stock market volatility and seek both capital appreciation and some income through dividends. This portfolio suits individuals who prioritize low costs and broad market exposure, focusing on steady, long-term growth with manageable risk.

Positionen

Vanguard S&P 500 ETF
VOO - US9229083632

45,00%
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690

15,00%
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683

15,00%
Vanguard High Dividend Yield Index Fund ETF Shares
VYM - US9219464065

15,00%
Schwab U.S. Dividend Equity ETF
SCHD - US8085247976

10,00%

The portfolio is composed predominantly of ETFs, with Vanguard S&P 500 ETF taking up 45% of the allocation. This is complemented by a mix of broad market and dividend-focused ETFs, including Vanguard Total Stock Market Index Fund ETF Shares, Vanguard Total International Stock Index Fund ETF Shares, Vanguard High Dividend Yield Index Fund ETF Shares, and Schwab U.S. Dividend Equity ETF. The portfolio is broadly diversified across asset classes and sectors, though it heavily leans towards stocks. This mix provides a solid foundation for long-term growth while maintaining a balanced risk profile.

Wachstum

Historically, the portfolio has performed well, with a compound annual growth rate (CAGR) of 12.14%. A hypothetical initial investment would have experienced a maximum drawdown of -34.11%, which is significant but expected in a stock-heavy portfolio. The portfolio's returns are concentrated, with just 29 days accounting for 90% of the gains. This indicates periods of volatility, but the overall growth trajectory remains positive. Investors should be prepared for fluctuations but can be optimistic about the long-term return potential.

Prognose

A Monte Carlo simulation, which uses random sampling to predict future outcomes, was conducted with 1,000 simulations. Assuming a hypothetical initial investment, the portfolio's projected annualized return is 12.43%. The 5th percentile outcome shows a 48.95% return, while the median and 67th percentile outcomes are 335.4% and 476.38%, respectively. Almost all simulations resulted in positive returns, highlighting the portfolio's potential for substantial growth. However, investors should remember that these are projections and actual results may vary.

Anlageklassen

Aktien

100%
Cash

0%
Sonstige

0%
Keine Daten

0%

The portfolio is heavily weighted towards stocks, with 99.66% allocated to this asset class. A small portion is held in cash and other categories, but these are negligible. This allocation suggests a focus on capital appreciation over income or preservation. While stocks offer higher growth potential, they also come with increased volatility. Investors should consider their risk tolerance and investment goals when deciding if this stock-heavy approach aligns with their financial strategy.

Branchen

Technologie

24%
Finanzen

16%
Gesundheitswesen

11%
Zyklische Konsumgüter

10%
Industriegüter

10%
Basiskonsumgüter

8%
Telekommunikation

7%
Energie

5%
Versorgungsunternehmen

3%
Grundstoffe

3%
Immobilien

2%

The sector allocation within the portfolio is diverse, with technology, financial services, and healthcare being the top three sectors. This diversification across sectors helps mitigate risks associated with downturns in any single industry. However, the portfolio is still heavily exposed to the U.S. market, which could lead to overreliance on the American economy. Maintaining a balanced sector allocation is crucial for reducing sector-specific risks and ensuring steady growth across different economic cycles.

Regionen

Nordamerika

86%
Europa

6%
Asien Schwellenländer

2%
Japan

2%
Asien

2%
Australasia

1%
Afrika/Mittlerer Osten

1%
Lateinamerika

0%
Europa Schwellenländer

0%

Geographically, the portfolio is predominantly focused on North America, which accounts for 85.51% of the allocation. Other regions, such as Europe Developed and Asia Emerging, represent smaller portions. This U.S.-centric focus may limit exposure to growth opportunities in other parts of the world. Diversifying geographically can help spread risk and tap into emerging markets with high growth potential. Investors should weigh the benefits of geographic diversification against their comfort with international markets.

Redundante Positionen

Vanguard Total Stock Market Index Fund ETF Shares

Schwab U.S. Dividend Equity ETF

Vanguard S&P 500 ETF

Vanguard High Dividend Yield Index Fund ETF Shares

Hohe Korrelation

There is a high correlation among several assets in the portfolio, particularly between Vanguard Total Stock Market Index Fund ETF Shares, Schwab U.S. Dividend Equity ETF, Vanguard S&P 500 ETF, and Vanguard High Dividend Yield Index Fund ETF Shares. This means these assets tend to move in the same direction, which can amplify both gains and losses. While correlation can be advantageous in a rising market, it can also increase risk during downturns. Diversifying with less correlated assets can help balance the portfolio.

Ausschüttungen

Schwab U.S. Dividend Equity ETF 3,40%
Vanguard S&P 500 ETF 1,20%
Vanguard Total Stock Market Index Fund ETF Shares 1,30%
Vanguard Total International Stock Index Fund ETF Shares 3,00%
Vanguard High Dividend Yield Index Fund ETF Shares 2,70%
Gewichtete Ausschüttungen (pro Jahr) 1,93%

The portfolio's dividend yield stands at 1.93%, with contributions from various ETFs. Schwab U.S. Dividend Equity ETF offers the highest yield at 3.4%, while other ETFs like Vanguard S&P 500 ETF and Vanguard Total Stock Market Index Fund ETF Shares provide lower yields. This dividend income can be a valuable component for investors seeking regular cash flow. However, the overall yield is moderate, reflecting the portfolio's focus on growth. Investors should consider their income needs when evaluating this aspect.

Laufende Produktkosten

Schwab U.S. Dividend Equity ETF 0,06%
Vanguard S&P 500 ETF 0,03%
Vanguard Total Stock Market Index Fund ETF Shares 0,03%
Vanguard Total International Stock Index Fund ETF Shares 0,08%
Vanguard High Dividend Yield Index Fund ETF Shares 0,06%
Gewichtete Gesamtkosten (pro Jahr) 0,04%

The portfolio's total expense ratio (TER) is 0.04%, which is very low and indicates cost-efficient management. Individual ETFs have expense ratios ranging from 0.03% to 0.08%, reflecting a focus on keeping investment costs minimal. Lower fees can significantly impact long-term returns, making this portfolio attractive for cost-conscious investors. By maintaining low costs, investors can retain more of their returns, which is especially beneficial in compounding growth over time. This cost efficiency aligns well with a balanced investment strategy.

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 current portfolio is broadly diversified, but due to overlapping, highly correlated assets, further optimization is not recommended. Instead, focus on maintaining the current balance and consider slight adjustments if personal risk tolerance or financial goals change. To achieve a riskier or more conservative portfolio, consider adjusting the allocation towards stocks or bonds, respectively, along the efficient frontier. However, given the portfolio's balanced nature, it may already align well with the investor's goals, so major changes might not be necessary.

Was jetzt?

Bereit, in dieses Portfolio zu investieren?

Wähle einen Broker, der zu dir passt, und achte auf niedrige Gebühren, um deine Rendite zu maximieren.

Broker wählen

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.