What would a disciplined long-term investor change here?

I can’t give personalised advice or tell you what to do. I can explain what a disciplined long-term investor typically looks at and how those points relate to your portfolio’s figures so you can decide.

Key focus areas a disciplined long-term investor reviews (and how your portfolio matches them):

• Concentration risk — they check top holdings and sector weights.

  • Your top holding is Apple Inc. at 18,41% and top 5 make up 65,64%.
  • Technology is 39,98% of the portfolio.

• Asset-class diversification — they review stocks vs ETFs vs crypto vs cash.

  • Your allocation shows Stock 49,09%, ETF 31,21%, Crypto 8,61%, and Cash 6,06%.

• Risk and volatility contribution — they look at which holdings drive portfolio volatility.

  • The holdings contributing most to volatility are listed with their shares (Apple, Microsoft, Deutsche Lufthansa, iShares Core MSCI World UCITS ETF, Bitcoin, Ethereum), and portfolio annualized volatility is 16,36%% with daily volatility 0,86%%.

• Crypto and alternative exposures — they check size and behaviour versus equities.

  • Crypto is 8,61% of the portfolio and appears among the top volatility contributors.

• Cash level and liquidity — they note available cash for opportunities or buffers.

  • Cash is 5.510,23 € (6,06%).

• Cost basis and unrealized performance — they compare market value vs invested capital.

  • Your total invested (capital) is 63.990,15 € and current portfolio value is 90.989,80 €; unrealized gain is +21.489,42 € (+33,58%).

• Drawdowns and long-term returns — they consider historical worst losses and return measures.

  • All-time high was 92.985,34 € on 2026-08-29; distance from ATH is -2,15%. Max drawdown recorded is -25,49% over 112 days. Time-weighted return is +45,97%; money-weighted return is +11,25%.

• Coverage and classification caveats — they check that allocations cover the portfolio.

  • Region coverage is 99,40% and currency coverage is 100,00%.

If you want, I can:

• produce a one-line summary of how concentrated, volatile and invested your portfolio is today,
• list the top contributors to volatility in a table,
• or run a simple scenario (with clear assumptions) showing an example shock and its portfolio effect.