A well-diversified portfolio with a strong focus on large-cap stocks and U.S. exposure

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 suits an investor with moderate risk tolerance and a focus on growth, seeking broad market exposure. The substantial equity allocation indicates a preference for capital appreciation over income, suitable for a long-term investment horizon. This investor values cost efficiency and diversification but is comfortable with some volatility. The emphasis on large-cap stocks and U.S. exposure suggests a belief in the stability and growth potential of established markets. This approach is ideal for those aiming to build wealth steadily over time.

Positionen

  • Vanguard Total World Stock Index Fund ETF Shares
    VT - US9220427424
    30,00%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    30,00%
  • Berkshire Hathaway Inc
    BRK-B - US0846707026
    15,00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    10,00%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    7,00%
  • Raytheon Technologies Corp
    RTX - US75513E1010
    5,00%
  • Defiance Quantum
    QTUM - US26922A4206
    3,00%

This portfolio is composed primarily of ETFs, with a notable allocation to Vanguard Total World Stock Index Fund ETF Shares and Vanguard Total Stock Market Index Fund ETF Shares, each at 30%. Additionally, it includes individual stocks like Berkshire Hathaway and Raytheon Technologies. This structure indicates a focus on broad market exposure and a mix of passive and active investments. Compared to a typical balanced benchmark, the portfolio leans heavily on equities, which can enhance growth potential but also increase volatility. Ensuring a balance between these elements is crucial for maintaining risk within acceptable limits.

Wachstum Info

The portfolio's historical performance, with a CAGR of 13.71%, is impressive, indicating strong growth over time. This is particularly noteworthy when compared to typical market benchmarks, which often achieve lower rates. However, the maximum drawdown of -23.85% reveals periods of significant volatility, underscoring the importance of maintaining a diversified asset base. While past performance is no guarantee of future results, understanding these trends can help in setting realistic expectations and preparing for potential downturns.

Prognose Info

Monte Carlo simulations, which use historical data to predict future outcomes, suggest a wide range of potential returns. The portfolio's 50th percentile projection indicates a substantial growth potential of 619.7%, while even the 5th percentile shows positive returns. With 995 out of 1,000 simulations yielding positive outcomes, the forward projection appears optimistic. However, it's essential to remember that these simulations rely on historical data, which may not account for future market changes or unforeseen events.

Anlageklassen Info

  • Aktien
    99%
  • Cash
    1%
  • Sonstige
    0%
  • Keine Daten
    0%

The portfolio is heavily concentrated in stocks, with 99% of assets in this class. This allocation can drive growth but also exposes the portfolio to market volatility. A more balanced approach might include bonds or alternative investments to mitigate risk. Compared to typical balanced benchmarks, this stock-heavy allocation may outperform in bull markets but could underperform during downturns. Diversifying across asset classes can help smooth returns and reduce overall portfolio risk.

Branchen Info

  • Finanzen
    27%
  • Technologie
    24%
  • Industriegüter
    13%
  • Zyklische Konsumgüter
    9%
  • Gesundheitswesen
    8%
  • Telekommunikation
    7%
  • Basiskonsumgüter
    4%
  • Energie
    3%
  • Grundstoffe
    2%
  • Immobilien
    2%
  • Versorgungsunternehmen
    2%

The portfolio's sector allocation is well-distributed, with significant exposure to financial services and technology, comprising 27% and 24% respectively. This aligns with common benchmarks but may introduce sector-specific risks, particularly in technology, which can be volatile during interest rate changes. Maintaining sector balance is crucial to avoid overexposure to any single industry. Regularly reviewing sector trends and rebalancing can help ensure alignment with broader market movements and personal investment goals.

Regionen Info

  • Nordamerika
    79%
  • Europa
    9%
  • Japan
    4%
  • Asien Schwellenländer
    3%
  • Asien
    2%
  • Australasia
    1%
  • Afrika/Mittlerer Osten
    1%
  • Lateinamerika
    1%
  • Europa Schwellenländer
    0%

With 79% of assets in North America, the portfolio is heavily weighted towards the U.S. market. This concentration can limit diversification benefits and increase vulnerability to regional economic shifts. Expanding international exposure, particularly in emerging markets, could enhance diversification and reduce reliance on the U.S. economy. While the current geographic allocation aligns with many U.S.-focused benchmarks, a more global approach may offer additional growth opportunities and risk mitigation.

Marktkapitalisierung Info

  • Sehr groß
    49%
  • Groß
    30%
  • Mittel
    15%
  • Klein
    4%
  • Mikro
    1%

The portfolio's market capitalization allocation is skewed towards mega and big-cap stocks, making up 49% and 30% respectively. This focus on larger companies can provide stability and lower volatility compared to small-cap stocks. However, it may also limit growth potential. Incorporating more mid and small-cap stocks could enhance diversification and capture higher growth opportunities. Balancing exposure across different market caps can optimize risk-return dynamics and align with long-term investment objectives.

Redundante Positionen Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard Total World Stock Index Fund ETF Shares
    Hohe Korrelation

The portfolio includes highly correlated assets, particularly the Vanguard Total Stock Market Index Fund ETF Shares and Vanguard Total World Stock Index Fund ETF Shares. High correlation means these assets tend to move together, which can reduce diversification benefits. During market downturns, this could lead to increased risk. Consider replacing one of these ETFs with a less correlated asset to enhance diversification and manage risk more effectively. This adjustment could improve the portfolio's overall resilience.

Ausschüttungen Info

  • Invesco NASDAQ 100 ETF 0,60%
  • Defiance Quantum 0,50%
  • Raytheon Technologies Corp 1,90%
  • Vanguard Total World Stock Index Fund ETF Shares 1,60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1,00%
  • Vanguard Total International Stock Index Fund ETF Shares 2,80%
  • Gewichtete Ausschüttungen (pro Jahr) 1,21%

The portfolio's total dividend yield is 1.21%, with contributions from various holdings like Raytheon Technologies and Vanguard ETFs. While not exceptionally high, dividends provide a steady income stream and can enhance total returns, especially in volatile markets. For investors seeking income, focusing on higher-yielding assets might be beneficial. However, balancing yield with growth potential is essential to maintain an optimal risk-return profile. Regularly reviewing dividend policies of holdings can ensure alignment with income goals.

Laufende Produktkosten Info

  • Invesco NASDAQ 100 ETF 0,15%
  • Defiance Quantum 0,40%
  • Vanguard Total World Stock Index Fund ETF Shares 0,07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0,03%
  • Vanguard Total International Stock Index Fund ETF Shares 0,05%
  • Gewichtete Gesamtkosten (pro Jahr) 0,06%

The portfolio's costs are impressively low, with a Total Expense Ratio (TER) of 0.06%. This cost efficiency supports better long-term returns by minimizing the drag on performance. Low-cost ETFs like those from Vanguard contribute to this advantage. While costs are well-managed, it's important to regularly review expense ratios and seek opportunities to reduce them further. Keeping costs low without compromising on diversification or growth potential is key to optimizing portfolio performance over time.

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 can be optimized using the Efficient Frontier, which identifies the best possible risk-return ratio. Currently, overlapping assets limit diversification benefits. By addressing these overlaps, the portfolio's expected return could increase to 22.05% with a risk level of 16.38%. This optimization involves reallocating existing assets rather than introducing new ones. It's important to remember that efficiency focuses on maximizing returns for a given risk level, not necessarily achieving broader diversification or other specific goals.

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