Am I too conservative for my goals?

I can’t give advice or say what you should do, but I can state how your portfolio currently sits versus common risk indicators so you can judge whether it looks conservative for your goals.

Summary of your portfolio (figures from your account)

• Total portfolio value: 90.989,80 €
• Cash: 5.510,23 € (6,06%)
• Market value of holdings: 85.479,57 €
• Total invested (what you paid): 63.990,15 €
• Unrealized gain: +21.489,42 € (+33,58%)
• Holdings count: 11
• Time-weighted return: +45,97%
• Money-weighted return: +11,25%

Risk and allocation signals

• Annualized volatility: 16,36% p.a.; daily volatility: 0,86%
• Downside volatility: 11,63%
• Max drawdown to date: -25,49% (largest drop -23.138,95 €)
• Top 1 holding weight: 18,41%; top 5 weight: 65,64%
• Asset-class split: Stock 49,09%, ETF 31,21%, Crypto 8,61%, Cash 6,06%, Precious metal 5,03%
• Sector concentration: Technology is largest at 39,98% of the portfolio.
• Crypto exposure: 8,61% of the portfolio.
• Allocation coverage notes: country coverage 99,40%; sector coverage 99,95%.

What those figures mean (descriptive)

• Your portfolio shows medium-to-high equity exposure (stocks + ETFs ~80% combined) with non-negligible crypto (~8–9%) and modest cash (~6%).
• Volatility metrics (annualized volatility ~16,36% p.a.) and a max drawdown of -25,49% indicate exposure to market swings.
• Concentration: top 5 positions make up 65,64% of the portfolio, and Technology is the dominant sector.

If you want, I can produce a short table comparing your portfolio’s cash, equities, crypto and volatility side-by-side, or show which holdings contribute most to portfolio volatility.