A growth-focused portfolio concentrated in U.S. large-cap stocks with limited diversification

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 high-risk tolerance seeking aggressive growth and a long-term horizon. It heavily focuses on U.S. large-cap equities, ideal for those willing to accept volatility for potential high returns. The lack of diversification and high correlation between holdings suggest it's best for individuals comfortable with market fluctuations and who prioritize capital appreciation over income. This strategy aligns with investors aiming to maximize growth potential over decades.

Positionen

  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    50,00%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    50,00%

The portfolio consists of two ETFs: Schwab U.S. Large-Cap Growth ETF and Vanguard S&P 500 ETF, each comprising 50% of the allocation. This results in a 100% equity exposure, heavily focused on large-cap U.S. stocks. Compared to a diversified benchmark, this portfolio lacks variety across asset classes and regions, which could increase risk. A more balanced portfolio might include bonds or international equities to reduce volatility and enhance diversification. This composition aligns with growth objectives but may not suit those seeking stability.

Wachstum Info

Historically, the portfolio has performed well, boasting a CAGR of 13.87%. A hypothetical $10,000 investment would grow significantly over time. However, it has experienced a maximum drawdown of -33.17%, indicating potential for substantial losses during market downturns. Comparing this to a benchmark, the performance is robust but comes with higher risk. Investors should weigh the impressive returns against the potential for significant volatility, especially if nearing retirement or needing liquidity.

Prognose Info

Using a Monte Carlo simulation, which forecasts potential future outcomes based on historical data, the portfolio shows promising growth prospects. The median projection suggests a 440.8% return, with even the conservative 5th percentile indicating positive growth. However, it's essential to remember that past performance doesn't guarantee future results. While the simulation suggests a high probability of positive returns, market conditions can change. Investors should regularly review their allocations to ensure alignment with evolving financial goals and risk tolerance.

Anlageklassen Info

  • Aktien
    100%
  • Cash
    0%

With 100% allocation to stocks, the portfolio lacks exposure to other asset classes like bonds or real estate, which can provide stability and income. This single asset class focus might lead to increased volatility, especially during equity market downturns. A diversified portfolio typically includes a mix of asset classes to balance risk and return. Investors may consider adding fixed-income or alternative investments to reduce risk and enhance overall portfolio resilience.

Branchen Info

  • Technologie
    39%
  • Telekommunikation
    11%
  • Zyklische Konsumgüter
    11%
  • Finanzen
    11%
  • Gesundheitswesen
    11%
  • Industriegüter
    5%
  • Basiskonsumgüter
    4%
  • Energie
    2%
  • Grundstoffe
    2%
  • Versorgungsunternehmen
    2%
  • Immobilien
    1%

The portfolio is heavily weighted towards technology, which accounts for 39% of the holdings. While this sector has driven recent growth, it is also prone to high volatility, especially during interest rate changes. Other sectors like healthcare and financial services provide some balance but are underrepresented. Aligning sector allocations more closely with a benchmark could improve diversification and mitigate sector-specific risks, especially during economic shifts that affect tech stocks.

Regionen Info

  • Nordamerika
    100%
  • Europa
    0%
  • Asien
    0%

The portfolio's geographic exposure is entirely focused on North America, offering no international diversification. This concentration increases vulnerability to U.S.-specific economic changes. A more geographically diverse portfolio might include European or Asian equities, which can provide a hedge against domestic market fluctuations. Investors seeking to reduce geographic risk should consider adding international stocks to enhance global exposure and potentially capture growth in other regions.

Marktkapitalisierung Info

  • Sehr groß
    55%
  • Groß
    28%
  • Mittel
    15%
  • Klein
    1%

The portfolio is predominantly invested in mega-cap stocks, making up 55% of the allocation. While these companies are generally stable and offer growth potential, the lack of small-cap exposure limits opportunities for higher returns from emerging companies. A balanced market capitalization approach might include a mix of small, medium, and large-cap stocks, offering a blend of stability and growth potential. Investors could diversify by incorporating smaller-cap stocks to capture potential high-growth opportunities.

Redundante Positionen Info

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

The portfolio's assets are highly correlated, meaning they tend to move in the same direction. This limits diversification benefits, as both ETFs track similar indices. During market downturns, the lack of uncorrelated assets could lead to amplified losses. To improve diversification, consider incorporating assets with low correlation to U.S. large-cap equities, such as bonds or international stocks. This strategy can help mitigate risk and smooth returns over time.

Ausschüttungen Info

  • Schwab U.S. Large-Cap Growth ETF 0,50%
  • Vanguard S&P 500 ETF 1,50%
  • Gewichtete Ausschüttungen (pro Jahr) 1,00%

The portfolio's dividend yield is modest, with a total yield of 1.00%. While dividends contribute to returns, they are not a significant focus for this growth-oriented portfolio. Investors seeking income may need to adjust their strategy, potentially incorporating higher-yielding assets. However, for those prioritizing capital appreciation, this yield aligns with growth objectives. It's important to balance income needs with growth goals, especially as financial circumstances evolve.

Laufende Produktkosten Info

  • Schwab U.S. Large-Cap Growth ETF 0,04%
  • Vanguard S&P 500 ETF 0,03%
  • Gewichtete Gesamtkosten (pro Jahr) 0,04%

The portfolio's costs are commendably low, with a total expense ratio of 0.04%. This is advantageous for long-term performance, as lower fees mean more money stays invested. Compared to industry averages, these costs are highly competitive, supporting better net returns over time. Investors should regularly review costs to ensure they remain low, as even small fee increases can erode returns. Maintaining a cost-effective strategy is crucial for maximizing long-term growth.

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 asset allocation could be optimized for a better risk-return balance using the Efficient Frontier, which identifies the best possible returns for a given level of risk. However, the high correlation between assets suggests limited diversification. Before optimizing, consider diversifying by adding less correlated assets. This approach can enhance the portfolio's efficiency, aligning with growth objectives while managing risk. Optimization should be ongoing, reflecting changes in market conditions and personal financial goals.

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