A growth-focused portfolio with strong US exposure and moderate risk for long-term investors

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 moderate to high risk tolerance, seeking growth over a long-term investment horizon. It emphasizes capital appreciation through significant exposure to equities, particularly in the US market. Ideal for those comfortable with market volatility and seeking to build wealth over time, this portfolio may appeal to individuals with goals like retirement savings or wealth accumulation. While focused on growth, it also incorporates elements of diversification and income generation, aligning with investors looking for a balanced approach to risk and return.

Positionen

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    50,00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    15,00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    15,00%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    10,00%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    VWO - US9220428588
    5,00%
  • Invesco S&P MidCap Momentum ETF
    XMMO - US46137V4648
    5,00%

This portfolio is heavily weighted towards US equities, with a significant 50% allocation to the Vanguard S&P 500 ETF. The rest of the portfolio is diversified across small-cap, international, dividend, emerging markets, and mid-cap momentum ETFs, providing broad exposure to different market segments. The high allocation to stocks (over 99%) indicates a focus on capital appreciation. This composition is relevant for investors seeking growth, as equities typically offer higher returns over the long term compared to other asset classes. To enhance diversification, consider adding other asset classes like bonds or real estate, which can help mitigate risk during market downturns.

Wachstum Info

Historically, the portfolio has delivered a strong compound annual growth rate (CAGR) of 15.76%, indicating robust performance over time. However, it also experienced a significant maximum drawdown of -35.59%, reflecting vulnerability during market downturns. This performance suggests that while the portfolio has the potential for high returns, it can also face considerable volatility. Understanding these dynamics is crucial for setting realistic expectations. To manage risk, consider strategies like dollar-cost averaging or rebalancing to maintain the desired asset allocation and potentially reduce the impact of market fluctuations.

Prognose Info

The Monte Carlo simulation, which uses historical data to project future outcomes, suggests a wide range of potential returns for this portfolio. With 1,000 simulations, the median (50th percentile) return is projected at 440.12%, but the 5th percentile is much lower at 33.6%. This indicates variability in potential outcomes, highlighting the importance of considering different scenarios. While historical data can provide insights, it's not a guarantee of future performance. To navigate uncertainty, regularly review the portfolio and adjust based on changes in market conditions or personal financial goals.

Anlageklassen

  • Aktien
    100%
  • Cash
    0%
  • Sonstige
    0%
  • Keine Daten
    0%

The portfolio is predominantly composed of stock assets, with a negligible allocation to cash and other categories. This heavy emphasis on equities aligns with a growth strategy, aiming for higher returns over time. However, such concentration can increase exposure to market volatility. Diversification across various asset classes can help balance risk and return, providing stability during market fluctuations. Consider incorporating fixed-income securities or alternative investments to enhance diversification and potentially reduce portfolio volatility, aligning with a more balanced risk-reward profile.

Branchen

  • Technologie
    22%
  • Finanzen
    18%
  • Industriegüter
    12%
  • Zyklische Konsumgüter
    12%
  • Gesundheitswesen
    9%
  • Telekommunikation
    7%
  • Basiskonsumgüter
    6%
  • Energie
    6%
  • Grundstoffe
    4%
  • Versorgungsunternehmen
    2%
  • Immobilien
    2%

Sector allocation is relatively balanced, with notable exposure to technology, financial services, and industrials. These sectors can drive growth but also introduce sector-specific risks. For instance, technology can be volatile due to rapid innovation cycles, while financials are sensitive to interest rate changes. Understanding sector dynamics is crucial for managing risk and capitalizing on growth opportunities. To mitigate sector-specific risks, consider periodically reviewing and adjusting sector allocations based on market trends and economic outlook, ensuring alignment with investment objectives and risk tolerance.

Regionen

  • Nordamerika
    75%
  • Europa
    6%
  • Asien Schwellenländer
    6%
  • Asien
    3%
  • Japan
    2%
  • Afrika/Mittlerer Osten
    1%
  • Lateinamerika
    1%
  • Australasia
    1%
  • Europa Schwellenländer
    0%

The portfolio has a strong geographic focus on North America, accounting for over 75% of the allocation. This concentration provides exposure to the US market, known for its economic resilience and innovation. However, it also limits diversification benefits from other regions. Geographic diversification can reduce portfolio risk by spreading investments across different economic environments. Consider increasing exposure to emerging markets or other developed regions to capture growth opportunities and hedge against potential downturns in the US market, enhancing overall portfolio resilience.

Ausschüttungen

  • Avantis® U.S. Small Cap Value ETF 1,50%
  • Schwab U.S. Dividend Equity ETF 2,60%
  • Vanguard S&P 500 ETF 1,20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2,60%
  • Vanguard Total International Stock Index Fund ETF Shares 2,90%
  • Invesco S&P MidCap Momentum ETF 0,30%
  • Gewichtete Ausschüttungen (pro Jahr) 1,66%

The portfolio's overall dividend yield is 1.66%, with contributions from various ETFs. Dividend income can provide a steady cash flow, enhancing total returns and offering a buffer during market downturns. While growth-focused, incorporating dividend-paying assets can add stability and income potential. To optimize dividend income, consider reinvesting dividends to capitalize on compounding returns over time. Additionally, periodically review dividend yields and payout ratios to ensure they align with income goals and risk tolerance, adjusting holdings as needed.

Laufende Produktkosten

  • Avantis® U.S. Small Cap Value ETF 0,25%
  • Schwab U.S. Dividend Equity ETF 0,06%
  • Vanguard S&P 500 ETF 0,03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0,08%
  • Vanguard Total International Stock Index Fund ETF Shares 0,08%
  • Invesco S&P MidCap Momentum ETF 0,34%
  • Gewichtete Gesamtkosten (pro Jahr) 0,09%

The total expense ratio (TER) of the portfolio is 0.09%, which is relatively low and favorable for long-term investors. Lower costs mean more of the investment returns are retained, enhancing compounding over time. Managing investment costs is critical for maximizing returns. To further reduce costs, consider evaluating the expense ratios of individual ETFs and exploring lower-cost alternatives if available. Additionally, monitor any changes in fees and expenses, ensuring they remain competitive and aligned with the overall investment strategy and 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 may benefit from optimization using the Efficient Frontier, which identifies the best possible risk-return ratio for a given set of assets. By adjusting the allocation among existing holdings, the portfolio could achieve a more optimal balance between risk and return. This process involves analyzing historical returns, volatility, and correlations to determine the most efficient allocation. While optimization can enhance performance, it's essential to consider transaction costs and tax implications when making changes. Regularly review the portfolio's efficiency and adjust as needed to maintain alignment with investment goals.

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