A globally diversified equity portfolio with strong growth tilt and impressively low ongoing costs

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 setup fits an investor who accepts noticeable ups and downs in exchange for strong long‑term growth potential. Risk tolerance is moderate to slightly above moderate: short‑term losses of 30% or more are acceptable as long as the long‑term story remains intact. Typical goals could include building retirement wealth, investing for children’s future, or growing a nest egg over 10 years or more. The horizon is clearly long term, where staying invested through cycles matters more than timing entries and exits. This type of investor values simplicity, global diversification, and low costs, and is comfortable delegating company selection to broad market indices instead of picking individual stocks.

Positionen

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR
    EUNL - IE00B4L5Y983
    70,00%
  • iShares MSCI EM UCITS ETF USD (Acc)
    EUNM - IE00B4L5YC18
    30,00%

This portfolio is very simple and very clear: two equity ETFs only, with about 70% in developed markets and 30% in emerging markets. That creates a 100% stock allocation with no bonds or cash buffers, which is more aggressive than many “balanced” benchmarks that often mix stocks and bonds. This simplicity is great for transparency and easy maintenance, and the high diversification across thousands of companies is a big plus. Still, the all‑equity structure means strong swings in value are normal. If stability or regular withdrawals are important, adding a small buffer in lower‑volatility assets could smooth the ride without changing the basic global focus.

Wachstum Info

Historically, this mix delivered a strong compound annual growth rate (CAGR) of 10.84%. CAGR is the average yearly growth, like the average speed of a car over a long trip, even if you drove faster or slower on some days. A maximum drawdown of about ‑33% shows that during bad phases, the portfolio value can fall by a third, which is typical for equity‑heavy setups. Only 33 days made up 90% of returns, showing how a few very strong days drive long‑term results. Staying invested through ups and downs is therefore crucial; trying to time the market can easily miss those key days.

Prognose Info

The Monte Carlo analysis uses 1,000 simulations based on historical patterns to estimate future possibilities. It does not predict the future; it just shuffles and re‑combines past returns to see many “what if” paths. The median (50th percentile) outcome of about +235% and an average simulated annual return of 10.44% are consistent with the historical profile, while the 5th percentile of around +23% shows that weaker long‑term outcomes are also possible. These numbers are useful for planning ranges rather than exact targets. When using such projections, it helps to think in scenarios: best case, middle case, and stress case, then decide whether each scenario fits personal goals.

Anlageklassen Info

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

With 100% in stocks and 0% in bonds, cash, or other asset classes, the allocation is clearly growth‑oriented. Many common “balanced” benchmarks hold perhaps 40–60% in equities and the rest in bonds to reduce volatility. Here, the broad diversification across regions and companies does reduce single‑stock risk, but cannot fully protect against global equity market downturns. For a long horizon and a strong stomach for volatility, this structure can be very efficient. If future needs include near‑term spending or more stable value, introducing a modest share of lower‑risk assets could make the overall experience more comfortable while keeping the core equity engine intact.

Branchen Info

  • Technologie
    28%
  • Finanzen
    18%
  • Zyklische Konsumgüter
    11%
  • Industriegüter
    9%
  • Telekommunikation
    9%
  • Gesundheitswesen
    8%
  • Basiskonsumgüter
    5%
  • Grundstoffe
    4%
  • Energie
    4%
  • Versorgungsunternehmen
    2%
  • Immobilien
    2%

The sector mix is well spread: strong weights in technology, financials, consumer areas, industry, communication services, and healthcare, with smaller parts in energy, materials, utilities, and real estate. This aligns closely with global equity benchmarks, which is a strong indicator of diversification and modern market exposure. The 28% in technology means higher sensitivity to innovation cycles and interest rate moves; tech‑heavy phases can produce big gains but also sharper corrections. Because the sector spread broadly mirrors global indices, this allocation is well‑balanced and aligns closely with global standards. If sector swings feel stressful, one option is to keep the broad market exposure but adjust total equity share instead of tinkering with sectors.

Regionen Info

  • Nordamerika
    53%
  • Asien Schwellenländer
    14%
  • Europa
    11%
  • Asien
    11%
  • Japan
    4%
  • Afrika/Mittlerer Osten
    3%
  • Lateinamerika
    2%
  • Australasia
    1%
  • Europa Schwellenländer
    1%

Geographically, over half of the allocation is in North America, with the rest spread across developed Europe, Japan, developed Asia, and a meaningful 14% in emerging Asia plus smaller exposures to Africa, Latin America, and emerging Europe. This pattern is very similar to many global benchmarks, where the United States has a large weight because of its big companies. The emerging markets slice adds growth potential and diversification but usually increases volatility and sensitivity to political and currency risks. This portfolio’s regional spread is broad and globally oriented, which is a clear strength. Anyone wanting less home bias already has a structure that looks very “world market‑like.”

Marktkapitalisierung Info

  • Sehr groß
    50%
  • Groß
    35%
  • Mittel
    14%
  • Klein
    0%

Around 50% in mega caps and 35% in large caps, with 14% in mid caps and almost nothing in small caps, creates a tilt toward the world’s biggest, most established companies. That often means more stability and liquidity compared with portfolios that heavily include small caps, which can move more wildly and be harder to trade. This large‑cap focus matches many standard global indices and is a strong indicator of solid diversification among major global players. The limited small‑cap exposure slightly reduces potential return and risk versus a full‑market approach. Investors seeking a bit more “punch” could consider adding a measured small‑cap component while keeping the core intact.

Laufende Produktkosten Info

  • iShares Core MSCI World UCITS ETF USD (Acc) EUR 0,20%
  • iShares MSCI EM UCITS ETF USD (Acc) 0,18%
  • Gewichtete Gesamtkosten (pro Jahr) 0,19%

The total ongoing cost (TER) of about 0.19% per year is impressively low. Costs are like a constant headwind: they reduce the return you keep every single year. Over long periods, a difference of just 0.3–0.5 percentage points in annual fees can add up to tens of percent in final wealth. Here, the use of broad, low‑cost index ETFs is fully in line with best practices and strongly supports better long‑term performance. There is no obvious pressure to reduce fees further; the cost base is already very competitive. The main levers for improvement lie more in asset mix and risk alignment than in fee optimization.

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 Efficient Frontier is a concept that shows the best possible risk‑return mix using the existing building blocks. “Efficiency” here means the highest expected return for a given level of risk, not the safest or the most diversified in every sense. The analysis suggests that, with the same risk level, a slightly higher expected return of about 11.86% could be reached by changing the internal mix of the available assets. The optimal point found has that 11.86% expected return with a risk level around 15.69%. When thinking about adjustments, it helps to ask whether you prefer keeping risk steady and squeezing out a bit more return, or slightly lowering volatility while accepting a bit less growth.

Was jetzt?

Eigene Analyse erstellen?

Analysiere dein Portfolio

Tritt unserer Community bei!

Zum Insightfolio-Discord

Die Informationen auf dieser Plattform dienen nur zu Informationszwecken und sind nicht als Finanz- oder Anlageberatung zu verstehen. Insightfolio bietet keine Anlageberatung, keine individuellen Empfehlungen und keine Hinweise zum Kauf, Halten oder Verkauf von Finanzanlagen. Die Tools und Inhalte sind rein zu Bildungszwecken gedacht und nicht auf individuelle Umstände, finanzielle Bedürfnisse oder Ziele zugeschnitten.

Insightfolio übernimmt keine Haftung für die Genauigkeit, Vollständigkeit oder Verlässlichkeit der bereitgestellten Informationen. Es liegt allein bei den Nutzern, die Informationen zu überprüfen und unabhängige Entscheidungen auf Basis eigener Recherche und sorgfältiger Überlegungen zu treffen. Die Nutzung der Plattform ersetzt nicht die Beratung durch qualifizierte Finanzexpert*innen.

Investitionen sind mit Risiken verbunden. Nutzer*innen sollten sich bewusst sein, dass der Wert von Anlagen schwanken kann und vergangene Leistungen keine Garantie für zukünftige Ergebnisse sind. Anlageentscheidungen sollten auf persönlichen finanziellen Zielen, Risikobereitschaft und einer unabhängigen Bewertung der relevanten Informationen basieren.

Insightfolio unterstützt oder garantiert nicht die Eignung bestimmter Finanzprodukte, Wertpapiere oder Strategien. Alle auf der Plattform präsentierten Prognosen, Vorhersagen oder hypothetischen Szenarien dienen nur zu Veranschaulichungszwecken und stellen keine Garantie dar.

Durch den Zugriff auf die Dienste, Informationen oder Inhalte von Insightfolio bestätigen die Nutzer*innen, dass sie die Bedingungen dieses Haftungsausschlusses akzeptieren. Wer diese Bedingungen nicht akzeptiert, sollte die Plattform nicht nutzen.