Balanced Portfolio with Moderate Diversification and High Technology Exposure

Perfil de riesgo

  • Conservador
    Especulativo

El perfil de riesgo, derivado de las fluctuaciones pasadas del mercado, muestra el riesgo al que está expuesta la cartera. Esta evaluación ayuda a armonizar sus inversiones con sus objetivos financieros y su propensión al riesgo.

Perfil de diversificación

  • Enfocado
    Diversificado

El perfil de diversificación evalúa la distribución de las inversiones entre distintas clases de activos, regiones y sectores. Esta evaluación ayuda a reducir los riesgos, maximizar los rendimientos y evitar la concentración excesiva en una sola área.

Para qué tipo de inversor es adecuada esta cartera

Inversores equilibrados

This portfolio is suitable for a balanced investor with moderate risk tolerance. Such an investor seeks a mix of growth and stability, aiming for long-term capital appreciation while managing volatility. Their investment horizon is typically medium to long-term, allowing them to ride out market fluctuations. They are comfortable with a diversified portfolio that includes both equities and bonds, balancing potential returns with risk management.

Posiciones

  • Fidelity® Blue Chip Value ETF
    FBCV - US3160923450
    40,00%
  • Fidelity Covington Trust - Fidelity Women's Leadership ETF
    FDWM - US3160922874
    20,00%
  • Fidelity Covington Trust - Fidelity Clean Energy ETF
    FRNW - None
    20,00%
  • Fidelity® Total Bond ETF
    FBND - US3161883091
    10,00%
  • Fidelity® Low Volatility Factor ETF
    FDLO - US3160928244
    10,00%

The portfolio consists of five ETFs, with the largest allocation in the Fidelity® Blue Chip Value ETF at 40%. The remaining positions include the Fidelity Covington Trust - Fidelity Women’s Leadership ETF and Fidelity Clean Energy ETF, each at 20%, and smaller allocations to the Fidelity® Total Bond ETF and Fidelity® Low Volatility Factor ETF at 10% each. This composition shows a moderate level of diversification, focusing heavily on equity ETFs with a smaller portion in bonds. This balance provides a mix of growth potential and stability.

Crecimiento

Historically, the portfolio has shown a CAGR of 1.82%, indicating modest growth. However, the maximum drawdown of -19.81% suggests significant volatility during market downturns. The fact that 90% of returns are concentrated in just 3 days highlights the importance of staying invested to capture these critical gains. This performance underscores the need for a long-term investment horizon to weather market fluctuations and benefit from potential growth.

Proyección

Using a Monte Carlo simulation with 1,000 iterations, the portfolio's future performance was projected. The simulation assumes a hypothetical initial investment and provides a range of potential outcomes. The median (50th percentile) projection is a 2.34% return, while the best-case (67th percentile) scenario shows a 43.07% return. However, the worst-case (5th percentile) scenario indicates a -66.4% loss. These projections highlight the uncertainty and potential volatility, emphasizing the importance of risk management.

Clases de activos

  • Acciones
    89%
  • Bonos
    11%
  • Efectivo
    1%
  • Sin datos
    0%

The portfolio is primarily composed of two asset classes: stocks (89.17%) and bonds (10.50%), with a negligible amount in cash. The heavy allocation to stocks suggests a focus on growth, while the bond allocation provides some degree of stability and income. This mix aligns well with a balanced risk profile but could benefit from a slight increase in bonds to reduce volatility and enhance stability.

Sectores

  • Tecnología
    17%
  • Servicios públicos
    15%
  • Finanzas
    14%
  • Salud
    11%
  • Industria
    11%
  • Consumo Cíclico
    6%
  • Bienes de cons. perecederos
    5%
  • Energía
    5%
  • Telecomunicaciones
    4%
  • Materiales básicos
    2%
  • Bienes Raices
    1%

Sector allocation reveals a significant concentration in Technology (16.90%), Utilities (14.68%), and Financial Services (13.57%). Other notable sectors include Healthcare, Industrials, and Consumer Cyclicals. This sector distribution indicates a diverse range of industries, though the high exposure to Technology could introduce sector-specific risks. Balancing this with more defensive sectors might help mitigate potential downturns in tech.

Regiones

  • Norteamérica
    73%
  • Europa
    13%
  • Asia Emergente
    2%
  • Asia-Pacífico
    1%
  • Asia
    1%
  • Africa y Media Oriente
    0%
  • Japón
    0%

Geographically, the portfolio is predominantly invested in North America (72.87%), with smaller allocations in Europe Developed (12.85%) and other regions. This heavy North American focus might limit exposure to global growth opportunities and increase vulnerability to regional economic downturns. Diversifying further into international markets could provide better risk-adjusted returns and enhance global exposure.

Dividendos

  • Fidelity® Blue Chip Value ETF 1,70%
  • Fidelity® Total Bond ETF 4,50%
  • Fidelity® Low Volatility Factor ETF 1,30%
  • Fidelity Covington Trust - Fidelity Women's Leadership ETF 0,70%
  • Fidelity Covington Trust - Fidelity Clean Energy ETF 1,40%
  • Rendimiento ponderado (por año) 1,68%

The portfolio's dividend yield data is not provided, but dividend-paying ETFs like the Fidelity® Total Bond ETF and certain equity ETFs can offer a steady income stream. Dividends can enhance total returns and provide a cushion during market volatility. Including more dividend-focused ETFs could improve cash flow and overall portfolio stability, especially for income-seeking investors.

Costes actuales del producto

  • Fidelity® Blue Chip Value ETF 0,59%
  • Fidelity® Total Bond ETF 0,36%
  • Fidelity® Low Volatility Factor ETF 0,15%
  • Fidelity Covington Trust - Fidelity Women's Leadership ETF 0,59%
  • Fidelity Covington Trust - Fidelity Clean Energy ETF 0,39%
  • Costes totales ponderados (por año) 0,48%

The portfolio's total expense ratio (TER) is 0.48%, with individual ETF costs ranging from 0.15% to 0.59%. While these costs are relatively low, they can still impact long-term returns. Keeping an eye on expense ratios and considering lower-cost alternatives could help improve net returns. Regularly reviewing and optimizing investment costs is a prudent strategy for enhancing portfolio performance.

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Las inversiones implican riesgos. Los usuarios deben ser conscientes de que el valor de las inversiones puede fluctuar y de que el rendimiento pasado no es un indicador de resultados futuros. Es importante considerar cuidadosamente su propia tolerancia al riesgo y sus objetivos financieros antes de tomar decisiones de inversión.

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