A balanced portfolio with strong U.S. focus and moderate international 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 is ideal for an investor with a balanced risk tolerance, seeking growth while maintaining a degree of diversification. With a strong focus on U.S. equities and moderate international exposure, it suits those with a long-term investment horizon. The portfolio's equity-heavy nature indicates a preference for capital appreciation over income generation. Investors comfortable with market volatility and interested in leveraging historical U.S. market performance will find this structure appealing. It is well-suited for individuals aiming to build wealth steadily over time.

Positionen

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    50,00%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    25,00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    25,00%

The portfolio consists of three ETFs, with a significant 50% allocation to the Vanguard S&P 500 ETF. The Schwab U.S. Large-Cap Growth ETF makes up 25% of the portfolio, while the Vanguard Total International Stock Index Fund ETF Shares also comprises 25%. This composition leans heavily toward U.S. equities, reflecting a common benchmark approach. A more diversified allocation could include additional asset classes like bonds or real estate to improve risk balance. However, the current structure provides a solid foundation for growth-focused investors, particularly those comfortable with equity market volatility.

Wachstum Info

A hypothetical investment in this portfolio would have experienced a robust CAGR of 12.32%, indicating strong historical performance. The portfolio's maximum drawdown of -33.39% highlights the inherent volatility associated with equity-heavy investments. While past performance is not indicative of future results, these figures suggest that the portfolio has navigated market fluctuations well. Comparing this to relevant benchmarks could offer additional insights. Investors should be prepared for similar volatility in the future and consider whether this aligns with their risk tolerance.

Prognose Info

Using Monte Carlo simulations, which predict potential future outcomes based on historical data, the portfolio shows a median projected growth of 353.2%. While the 5th percentile suggests a possible decline, the simulations indicate a high probability of positive returns, with 989 out of 1,000 scenarios yielding gains. It's essential to remember that these projections are based on past data and are not guarantees. Investors should stay informed about market conditions and adjust their strategies as needed to navigate potential risks and opportunities effectively.

Anlageklassen Info

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

The portfolio is predominantly composed of stocks, with a 99% allocation, and a minimal 1% in cash. This heavy weighting in equities aligns with a growth-oriented strategy but may expose investors to greater market volatility. Diversifying into other asset classes, such as bonds or real estate, could provide more stability and reduce risk. Comparing this allocation to common benchmarks, it is clear that the portfolio is aggressive in nature, suitable for investors with a higher risk tolerance and a focus on long-term growth.

Branchen Info

  • Technologie
    31%
  • Finanzen
    14%
  • Zyklische Konsumgüter
    12%
  • Gesundheitswesen
    10%
  • Telekommunikation
    10%
  • Industriegüter
    8%
  • Basiskonsumgüter
    5%
  • Energie
    3%
  • Grundstoffe
    3%
  • Versorgungsunternehmen
    2%
  • Immobilien
    2%

The portfolio's sector composition is heavily weighted towards technology, making up 31% of the allocation. This concentration may lead to higher volatility, particularly during periods of interest rate changes or tech market corrections. Other significant sectors include financial services and consumer cyclicals. While this sector distribution aligns with common benchmarks, investors should be aware of potential risks associated with sector concentration. A more balanced approach across sectors could help mitigate these risks and provide a smoother investment journey.

Regionen Info

  • Nordamerika
    77%
  • Europa
    10%
  • Asien Schwellenländer
    4%
  • Japan
    4%
  • Asien
    3%
  • Australasia
    1%
  • Afrika/Mittlerer Osten
    1%
  • Lateinamerika
    0%
  • Europa Schwellenländer
    0%

The portfolio has a strong geographic focus on North America, with 77% of assets allocated there. This concentration may limit exposure to growth opportunities in other regions. While Europe and Asia have some representation, emerging markets are notably underrepresented. Diversifying geographically could enhance the portfolio's resilience against regional economic downturns and tap into potential growth in international markets. Investors might consider increasing exposure to underrepresented regions to achieve a more balanced global allocation.

Marktkapitalisierung Info

  • Sehr groß
    50%
  • Groß
    31%
  • Mittel
    16%
  • Klein
    2%
  • Mikro
    0%

The portfolio's allocation by market capitalization is heavily skewed towards mega and large-cap stocks, comprising 81% of the total. This focus on larger companies can provide stability but may limit growth potential compared to smaller, more dynamic firms. While medium and small caps are included, their impact is minimal. To enhance diversification and potentially increase returns, investors could consider increasing exposure to smaller-cap stocks, which historically offer higher growth prospects, albeit with increased volatility.

Redundante Positionen Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    Hohe Korrelation

The Schwab U.S. Large-Cap Growth ETF and Vanguard S&P 500 ETF exhibit high correlation, meaning they tend to move in tandem. This correlation can limit diversification benefits, as both funds react similarly to market changes. Reducing overlap by adding less correlated assets could enhance the portfolio's resilience and improve risk-adjusted returns. Investors should assess whether the current correlation aligns with their diversification goals and consider alternative investments that offer distinct risk-return profiles.

Ausschüttungen Info

  • Schwab U.S. Large-Cap Growth ETF 0,40%
  • Vanguard S&P 500 ETF 1,40%
  • Vanguard Total International Stock Index Fund ETF Shares 2,80%
  • Gewichtete Ausschüttungen (pro Jahr) 1,50%

The portfolio's overall dividend yield stands at 1.50%, with the Vanguard Total International Stock Index Fund ETF contributing the highest yield at 2.80%. While dividends provide a steady income stream, the portfolio's growth focus suggests that capital appreciation is the primary goal. Investors seeking higher income may want to consider increasing exposure to dividend-focused ETFs or stocks. However, for those prioritizing growth, the current yield is a reasonable complement to the portfolio's broader strategy.

Laufende Produktkosten Info

  • Schwab U.S. Large-Cap Growth ETF 0,04%
  • Vanguard S&P 500 ETF 0,03%
  • Vanguard Total International Stock Index Fund ETF Shares 0,05%
  • Gewichtete Gesamtkosten (pro Jahr) 0,04%

With a total expense ratio (TER) of 0.04%, the portfolio's costs are impressively low, contributing positively to long-term performance. Low expenses mean more of the portfolio's returns are retained by the investor, enhancing compounding effects over time. This cost efficiency aligns well with best practices for maximizing net returns. Investors should continue to monitor expense ratios and aim to maintain this low-cost structure, as it significantly impacts the portfolio's overall success.

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's current asset allocation can be optimized using the Efficient Frontier, which identifies the best possible risk-return ratio. However, the highly correlated assets within the portfolio limit diversification benefits. To achieve optimal efficiency, investors should consider reducing overlap and introducing less correlated assets. This approach can enhance the portfolio's risk-return profile, providing a more balanced and potentially more rewarding investment experience.

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