How can I simplify my portfolio?
A question about what could be done next. The answer describes what is there and what would change; what to do about it is a decision only the person holding the portfolio can make.
Worked through on a sample portfolio. The figures below are that portfolio’s, not yours.
I can only explain what your portfolio currently looks like; I won’t give buy/sell recommendations.
Here’s a concise summary showing where simplification could come from, using your portfolio figures:
| Asset | Value (€) | Weight (%) |
|---|---|---|
| Apple Inc. | 16.749,00 € | 18,41% |
| iShares Core MSCI World UCITS ETF | 15.054,60 € | 16,55% |
| Microsoft Corp. | 10.571,25 € | 11,62% |
| MasterCard Inc. | 9.702,00 € | 10,66% |
| Deutsche Lufthansa AG | 7.648,00 € | 8,41% |
What the numbers show (explanation only)
- Total portfolio value: 90.989,80 €. You hold 11 positions.
- Top 5 positions together make up 65,64% of the portfolio; your single largest position is 18,41%.
- Asset-class breakdown: Stock 49,09%, ETF 31,21%, Crypto 8,61%; cash is 6,06% (5.510,23 €).
- Concentration: Mega Cap stocks are 53,50% of the portfolio (48.683,01 €).
- Risk contributors (volatility contribution): the biggest contributors are Microsoft Corp. and Apple Inc. among stocks, and crypto also contributes materially per the volatility table.
How you could think about simplifying (explanation of approaches, not recommendations)
- Reduce number of positions by grouping exposures with broader ETFs: your ETF sleeve already represents 31,21% of the portfolio.
- Consolidate similar equity exposures into a single global ETF to lower the number of individual stock holdings.
- Consider whether small holdings or overlapping exposures (sector/country) are providing distinct benefits — the sector table shows Technology at 39,98% and United States at 62,45%.
- Cash and precious metals are small, listed separately: cash 6,06%, precious metal 5,03%.
- Crypto totals 8,61% and appears with high volatility contribution in the holdings risk profile.
If you’d like, I can produce one structured list showing which holdings make up the top X% of your portfolio, or a single-table view of all positions to help plan consolidation—tell me which you prefer.
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See this for your own portfolio
The assistant answers the same question about your own holdings, with your figures and today’s prices. Import from your broker, or open the demo portfolio and ask it there.