Which changes would likely improve my portfolio the most over the long run?
A question about what could be done next. The answer describes what is there and what would change; what to do about it is a decision only the person holding the portfolio can make.
Worked through on a sample portfolio. The figures below are that portfolio’s, not yours.
I can only explain your portfolio facts and figures, not give advice or recommend changes.
Here are objective places where your portfolio currently differs from your targets and which drive portfolio risk, so you can consider them yourself.
I’ll show (1) where current allocation departs from targets by instrument type, and (2) which holdings contribute most to portfolio volatility.
| Instrument type | Current allocation (%) | Target allocation (%) |
|---|---|---|
| Stock | 49,09% | 38,35 |
| ETF | 31,21% | 51,07 |
| Crypto | 8,61% | 10,59 |
| Cash | 6,06% | 0,00% |
| Precious metal | 5,03% | 0,00% |
This table shows your present vs target allocation by instrument type.
Now the top contributors to portfolio volatility (annualized contribution):
| Asset | Weight (%) | Volatility p.a. (%) | Contribution to volatility (%) |
|---|---|---|---|
| Apple Inc. | 18,41% | 22,99 | 20,90 |
| Microsoft Corp. | 11,62% | 30,50 | 15,98 |
| Deutsche Lufthansa AG | 8,41% | 30,67 | 14,48 |
| iShares Core MSCI World UCITS ETF | 16,55% | 9,00 | 10,69 |
| Bitcoin | 5,11% | 35,92 | 10,40 |
| Ethereum | 3,50% | 52,30 | 10,24 |
These rows use the measured volatility and contribution figures from your recent 12‑month window (11/09/2025–09/09/2026). They show which holdings add most to portfolio volatility today.
Short interpretation (facts only):
- You hold more in Stock (49,09%) than the stated target (38,35%), and less in ETF (31,21% vs 51,07%).
- Apple Inc. and iShares Core MSCI World UCITS ETF are large positions by weight and are major contributors to portfolio volatility.
- Crypto positions (Bitcoin and Ethereum) are high-volatility lines but smaller weights; together they represent 8,61% of the portfolio.
- Cash is 6,06% of the portfolio (5.510,23 €), and target for cash is 0,00% in the instrument-type targets shown.
If you want, I can run a hypothetical scenario showing how a uniform shock (e.g., equities -20%, crypto -30%, cash unchanged) would change portfolio value — I would state the exact assumptions and the result.
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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.