What allocation better matches my time horizon?

I can’t give recommendations, but I can describe how your current allocation relates to different typical time horizons so you can judge the fit.

Table — summary of your current allocation (top buckets)

Asset	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 €

What that means for different time horizons (descriptive):

• Short term (months): portfolios emphasise liquid, low-volatility holdings and cash to protect near-term needs. Your cash is 6,06% and crypto is 8,61%; crypto and equities typically add higher short‑term volatility.
• Medium term (1–5 years): more equities and ETFs are common to pursue growth while keeping some liquidity. You hold 31,21% in ETFs and 49,09% in stocks, with cash 6,06%.
• Long term (5+ years): higher equity and growth exposure is typical because time smooths volatility; crypto and equity allocations usually play a larger role. Your combined stock+ETF+crypto weight is 88,90% (sum of 49,09%, 31,21%, and 8,61%), which aligns with a growth-oriented, longer horizon.

Risk & volatility context:

• Portfolio annualized volatility is 16,36% and downside volatility is 11,63%. Crypto contributes 8,61% of weight but shows high individual volatility in the holdings breakdown, while mega-cap stocks dominate value (53,50%).

How to use this info:

• If your horizon is short, the high equity + crypto share implies more market-driven swings and lower near-term liquidity than a cash-heavy mix.
• If your horizon is medium, the mix of ETFs and stocks supports growth with some diversification across countries/sectors (coverage 99,95%).
• If your horizon is long, the current heavier equity and crypto exposure is consistent with a growth profile, given your time-weighted return of +45,97% and multi-year performance history.

If you tell me your exact time horizon (months, years) I’ll summarise the portfolio metrics most relevant to that horizon.