High Risk Low Diversity Portfolio with Heavy Weight in Technology Sector and Strong Historic Performance

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 is suitable for growth-oriented investors who can tolerate higher levels of risk and volatility. These investors typically have a long-term investment horizon and are focused on capital appreciation rather than income generation. They are comfortable with significant exposure to the technology sector and the U.S. market, understanding that this may lead to periods of substantial drawdowns. Such investors are likely to prioritize potential high returns over stability, accepting the possibility of fluctuating portfolio values in exchange for the chance to achieve above-average market gains.

Positionen

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    40,30%
  • Vanguard Information Technology Index Fund ETF Shares
    VGT - US92204A7028
    30,70%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    29,00%

The portfolio is composed of three ETFs, with a significant concentration in the Vanguard S&P 500 ETF at 40.3%, followed by the Vanguard Information Technology Index Fund ETF Shares at 30.7%, and Invesco NASDAQ 100 ETF at 29.0%. This composition indicates a strong focus on large-cap U.S. equities, particularly within the technology sector. The portfolio's low diversification score suggests a concentrated investment strategy. While this can lead to higher returns, it also exposes the portfolio to sector-specific risks. To mitigate these risks, consider diversifying across different asset classes and sectors.

Wachstum Info

Historically, the portfolio has performed exceptionally well with a compound annual growth rate (CAGR) of 16.96%. However, it has also experienced significant volatility, with a maximum drawdown of -30.71%. This performance profile highlights the potential for high returns but also underscores the risk of substantial losses during market downturns. It's crucial to consider whether this level of volatility aligns with your long-term investment goals and risk tolerance. To maintain a balanced approach, consider incorporating investments that provide stability during market fluctuations.

Prognose Info

Using a Monte Carlo simulation, which models potential future returns based on historical data, the portfolio shows a wide range of outcomes. With 1,000 simulations, the 5th percentile projects a 112.77% return, while the median (50th) is 712.5%, and the 67th percentile is 1,102.84%. This suggests a high probability of significant returns, with 994 simulations yielding positive outcomes. However, the variability in potential outcomes also indicates the inherent risk. To manage this uncertainty, consider strategies to reduce volatility, such as diversifying into less correlated assets.

Anlageklassen

  • Aktien
    100%
  • Cash
    0%

The portfolio is heavily weighted in stocks, accounting for 99.83% of the allocation, with a minimal cash position of 0.17%. This asset class concentration suggests a high-risk, high-reward strategy, typically suitable for investors with a longer time horizon and higher risk tolerance. While equities offer growth potential, they also expose the portfolio to market volatility. To balance risk and return, consider allocating a portion of the portfolio to fixed-income assets, which can provide stability and income during market downturns.

Branchen

  • Technologie
    59%
  • Telekommunikation
    8%
  • Zyklische Konsumgüter
    8%
  • Gesundheitswesen
    6%
  • Finanzen
    5%
  • Industriegüter
    4%
  • Basiskonsumgüter
    4%
  • Energie
    2%
  • Versorgungsunternehmen
    1%
  • Grundstoffe
    1%
  • Immobilien
    1%

The sector allocation is heavily skewed towards technology, comprising 58.58% of the portfolio. Other sectors like communication services, consumer cyclicals, and healthcare have smaller allocations. This concentration in technology can lead to outsized gains when the sector performs well but also increases vulnerability to sector-specific downturns. To enhance diversification and reduce risk, consider spreading investments across a broader range of sectors. This approach can help cushion the portfolio against sector-specific volatility and provide more stable returns over time.

Regionen

  • Nordamerika
    99%
  • Europa
    1%
  • Lateinamerika
    0%
  • Asien Schwellenländer
    0%
  • Asien
    0%
  • Afrika/Mittlerer Osten
    0%

Geographically, the portfolio is overwhelmingly concentrated in North America, with 98.77% of assets allocated there. This bias towards the U.S. market can limit exposure to growth opportunities in other regions and increase vulnerability to regional economic downturns. While the U.S. market has been a strong performer historically, diversification into international markets can provide access to different economic cycles and growth drivers. Consider gradually increasing exposure to developed and emerging markets outside North America to enhance geographic diversification.

Redundante Positionen

  • Invesco NASDAQ 100 ETF
    Vanguard Information Technology Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Hohe Korrelation

The portfolio's assets are highly correlated, particularly the Invesco NASDAQ 100 ETF, Vanguard Information Technology Index Fund ETF Shares, and Vanguard S&P 500 ETF. This correlation means that the assets tend to move in the same direction, which can amplify both gains and losses. While this can be advantageous in a rising market, it also increases the portfolio's vulnerability to downturns. To reduce correlation risk, consider adding assets with low or negative correlation to the existing holdings, which can help smooth out returns and reduce overall portfolio volatility.

Ausschüttungen

  • Invesco NASDAQ 100 ETF 0,60%
  • Vanguard Information Technology Index Fund ETF Shares 0,60%
  • Vanguard S&P 500 ETF 1,20%
  • Gewichtete Ausschüttungen (pro Jahr) 0,84%

The portfolio's dividend yield is relatively modest at 0.84%, with the Vanguard S&P 500 ETF contributing the highest yield at 1.2%. This suggests that the portfolio is more focused on capital appreciation rather than income generation. For investors seeking regular income, this yield may not be sufficient. To enhance income potential, consider incorporating dividend-focused investments or funds with higher yield potential. This adjustment can provide a steady income stream, which can be particularly beneficial during periods of market volatility or when seeking to meet specific cash flow needs.

Laufende Produktkosten

  • Invesco NASDAQ 100 ETF 0,15%
  • Vanguard Information Technology Index Fund ETF Shares 0,10%
  • Vanguard S&P 500 ETF 0,03%
  • Gewichtete Gesamtkosten (pro Jahr) 0,09%

The portfolio's total expense ratio (TER) is 0.09%, which is quite low and indicates cost-efficient management. The Vanguard S&P 500 ETF has the lowest individual cost at 0.03%, while the Invesco NASDAQ 100 ETF is the highest at 0.15%. Keeping investment costs low is crucial as it directly impacts net returns. This cost efficiency is a positive aspect of the portfolio management strategy. To maintain or further reduce costs, regularly review the expense ratios of existing and potential new investments, ensuring they align with the overall investment strategy and cost 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 is not currently optimized due to high asset correlation, which can limit diversification benefits. The efficient frontier concept suggests that an optimal portfolio offers the highest expected return for a given level of risk. However, the overlapping exposure in the current portfolio indicates potential inefficiencies. To move towards an optimal portfolio, consider reducing correlation by diversifying into different asset classes and sectors. This approach can help achieve a better balance between risk and return, potentially moving the portfolio closer to the efficient frontier.

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