Asset-Allokationsrechner - Portfolio nach Risikotoleranz optimieren
Bestimmen Sie die optimale Asset-Allokation basierend auf Ihrem Alter, Ihrer Risikotoleranz und Ihren Anlagezielen. Erhalten Sie personalisierte Portfolio-Empfehlungen für Aktien, Anleihen und alternative Investments.
Recommended Portfolio Allocation
Expected Annual Return: 6.3%
Stocks: 65%
Bonds: 30%
Alternatives: 5%
Tips
A common rule: subtract your age from 100 to get your stock percentage (e.g., at 30, consider 70% stocks). Adjust based on risk tolerance.
Don't put all stocks in one company or sector. Use broad index funds or ETFs for instant diversification across hundreds of companies.
Market movements will shift your allocation over time. Rebalance by selling high-performing assets and buying underperforming ones.
Begin with broad index funds or target-date funds. As you gain experience and assets, you can add more sophisticated investments.
FAQ
What is asset allocation and why is it important?
How often should I rebalance my portfolio?
What if I'm young but risk-averse?
Should I include crypto in my portfolio?