What is the simplest way to improve my returns?

I can only explain your portfolio figures and what they mean, not give recommendations. Here are simple facts from your data to consider when thinking about returns.

• Your portfolio value is 90.989,80 €. You have invested 63.990,15 € and your unrealized gain is +21.489,42 € (+33,58%).
• Your top five holdings make up 65,64% of the portfolio; top holding weight is 18,41%.
• Asset-class split: Stock 49,09%, ETF 31,21%, Crypto 8,61%.
• Performance metrics: time-weighted return is +45,97%; money-weighted return is +11,25%; annualized volatility is 16,36% and max drawdown is -25,49% (largest drop was -23.138,95 €).

What these figures mean (explanation only)

• A higher concentration in a few holdings can lead to larger swings in returns because a few positions drive most gains or losses.
• ETFs provide broad market exposure; stocks and crypto can add higher individual upside and downside, visible in your top contributors.
• Returns versus volatility: your Sharpe ratio is 0,52 and Sortino is 0,72 — they show how much return you’ve earned per unit of risk taken.
• Cash (6,06% of the portfolio) reduces short-term volatility but does not generate market returns while held.

If you want, I can show the numbers that drive these points (largest contributors, sector breakdown, or how each holding contributed to your gains) so you can see which pieces affect returns most.