How should my portfolio evolve as I get closer to my goal?
A goal question measures a portfolio against a target — an allocation you are aiming at, or an amount — and says how far from it the portfolio currently stands.
Worked through on a sample portfolio. The figures below are that portfolio’s, not yours.
I can only explain how your portfolio is positioned today and what the numbers mean — I won’t give advice or tell you what to do.
Here’s a concise view of your portfolio now and the headline metrics that show its current profile as you approach your goal.
| Metric | Value |
|---|---|
| Portfolio value | 90.989,80 € |
| Cash | 5.510,23 € (6,06%) |
| What you invested (capital.total_invested) | 63.990,15 € |
| Unrealized gain | +21.489,42 € (+33,58%) |
| Number of holdings | 11 |
| Time-weighted return | +45,97% |
| Money-weighted return | +11,25% |
| Annualized volatility | 16,36% |
| Max drawdown | -25,49% |
| Distance from all-time high | -2,15% |
| Top 1 holding weight | 18,41% |
| Top 5 holdings weight | 65,64% |
Allocation highlights (largest buckets):
| Asset class | Weight (%) | Value (€) |
|---|---|---|
| Stock | 49,09% | 44.670,25 € |
| ETF | 31,21% | 28.397,93 € |
| Crypto | 8,61% | 7.835,60 € |
| Cash | 6,06% | 5.510,23 € |
| Precious metal | 5,03% | 4.575,79 € |
Top holdings by size:
| Asset | Weight (%) | Value (€) |
|---|---|---|
| Apple Inc. | 18,41% | 16.749,00 € |
| iShares Core MSCI World UCITS ETF | 16,55% | 15.054,60 € |
| Microsoft Corp. | 11,62% | 10.571,25 € |
| MasterCard Inc. | 10,66% | 9.702,00 € |
| Deutsche Lufthansa AG | 8,41% | 7.648,00 € |
What these figures mean for how the portfolio may behave as you near a goal
- Volatility and drawdown: Your annualized volatility is 16,36% and max drawdown is -25,49% — they describe how much the portfolio’s value can swing and how deep past falls have been.
- Concentration: Top 1 is 18,41% and top 5 are 65,64% — these show how much of the portfolio depends on a few holdings.
- Liquidity/cash: Cash is 5.510,23 € (6,06%) — this is the portion immediately available.
- Risky exposures: Crypto is 8,61% of the portfolio and has both positive and negative unrealized positions in your holdings list (e.g. Ethereum shows a negative unrealized return).
- Returns so far: Time-weighted return is +45,97%; money-weighted return is +11,25% — the first measures performance of the invested amounts over time, the second reflects your actual cash flows.
If you want, I can:
- show a monthly return series,
- run a hypothetical scenario (I’ll state assumptions),
- or list holdings sorted by recent contribution to portfolio change.
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Related questions
- What are realistic return assumptions for my plan?
- What happens if my returns are lower than expected?
- How much difference does reinvesting dividends make over time?
- Should I prioritize growth, stability, or income given my stated objective?
- Is my current portfolio too complex for my long-term strategy?
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.