Review

Investment-Portfoliostategie für Anfänger

  • Updated December 18, 2025
  • Autumn Mitchell
  • 34 comments

Als Neuling im Investmentbereich, der erst vor einem Monat begonnen hat, suche ich nach Feedback zu meiner aktuellen Portfolio-Verteilung. Mein Strategie besteht darin, die Investitionen gleichmäßig zu verteilen, wobei 10 % auf jede ausgewählte Aktie entfallen. Ich plane, dieses Portfolio jährlich neu auszubalancieren, um meine Zielverteilung beizubehalten. Ich würde gerne jeden Hinweis oder Vorschlag zu möglichen Anpassungen an diesem Ansatz erhalten.

Investment-Portfoliostategie für Anfänger

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34 Comments

    1. I invest in Vanguard’s Total International Stock Fund and Total International Bond Fund.

      Other companies offer similar stock funds that are likely just as good.

      While I’m not aware of a comparable international bond fund, it’s perfectly acceptable to allocate your entire bond portion to US bonds instead.

  3. You should diversify your portfolio. Consider using VT for broad global market exposure. While individual stock picks can be strong, be aware that PLTR carries high risk. Compare PLTR’s P/E ratio of 380 to NVDA’s 50—PLTR would need substantial growth to justify its current price. Avoid panic selling and plan to hold investments for at least 10 years.

    1. Avoid rebalancing, as it can reduce your returns. The stocks you’ve chosen might include a unicorn that delivers exceptional gains if you simply continue adding to your positions without rebalancing.

      1. Past performance does not guarantee future results. Just because a stock has seen significant gains doesn’t mean it will continue to do so. Rebalancing your portfolio helps prevent any single asset or stock from negatively impacting your overall returns.

        1. While it’s true that rebalancing can lock in smaller gains, it also limits your potential for turning $10,000 into $100,000 with a single stock. Your approach should depend on your risk tolerance. Personally, I prefer to let investments sit untouched until selling, as statistics show this strategy tends to yield higher returns over time.

          2. I’m struggling to understand compounding, letting stocks run, and rebalancing. Could you explain why it’s beneficial to rebalance and sell profitable ETFs or stocks while they’re still growing?

          3. Past performance does not predict future results.

            Compound growth means earning returns on your previous returns. It doesn’t matter whether the new growth comes from the same asset or a different one.

            For example, if ETF A and ETF B both grow 10% in the first year and 20% in the second, you’ll end up with the same total. Starting with $100, you’d have $132 after two years, including $2 of second-year growth from the first year’s earnings.

            If you moved the first year’s $10 gain from ETF A into ETF B, ETF A would grow to $120 and ETF B to $12—still $132 total, just like if you’d kept everything in one fund.

          4. While we may have differing views, I believe there’s considerable misinformation in economics. For example, rebalancing can limit long-term gains, trickle-down economics has proven ineffective, and inflation doesn’t truly drive economic growth but rather disadvantages lower-income individuals.

      2. Thank you for the suggestion. I plan to rebalance the tech sector annually, keeping only the top five tech companies. I currently do not hold PLTR in my portfolio. I may adjust my allocation to 20% VT and 80% in these stocks to diversify.

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