Is my current risk level appropriate for my time horizon?
A risk question asks how much of a portfolio depends on one thing going right — a single position, a sector, a country. Concentration is read as a share of the total, which is what the figures below show.
Worked through on a sample portfolio. The figures below are that portfolio’s, not yours.
I can’t give advice, but I can show how your portfolio’s risk compares to time-related metrics so you can judge fit.
Table of key risk and time figures
| Metric | Value |
|---|---|
| Portfolio value | 90.983,96 € |
| Time-weighted return (since 12/05/2021) (%) | +45,96% |
| Money-weighted return (%) | +11,25% |
| Annualized volatility (%) | 16,36% |
| Daily volatility (%) | 0,86% |
| Downside volatility (%) | 11,63% |
| Max drawdown (%) | -25,49% |
| Distance from all-time high (%) | -2,15% |
| All-time high date | 2026-08-29 |
| Longest drawdown (days) | 889 |
| Holdings count | 11 |
What these numbers mean for your time horizon (facts from your data)
- Annualized volatility is 16,36% — this measures how much the portfolio’s value has swung yearly.
- Max historical drop was -25,49% over 112 days (from 2024-12-18 to 2025-04-09).
- Largest single-asset exposures: your top holding weight is 18,41% and top-five weight is 65,64% — these affect concentrated risk.
- Asset mix: Stock is 49,09%; ETF is 31,21%; Crypto is 8,61%; cash is 6,06%.
How to use this to assess appropriateness (descriptive steps)
- Short horizon (months): large swings (high volatility) and the observed max drawdown (-25,49%) show potential for sizable interim losses.
- Medium/long horizon (years): time-weighted return of +45,96% has been positive over the period shown, which is relevant when evaluating recovery after drawdowns.
- Concentration and crypto exposure increase variability: crypto is 8,61% of the portfolio and the top holdings together are 65,64%.
If you want, I can run a simple scenario showing what a -30% equity shock and -50% crypto shock applied to today’s holdings would do to portfolio value, and list the assumptions used.
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Related questions
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.