Moderately Diversified Growth Portfolio with Strong U.S. Focus and High Risk-Reward Profile

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 de crecimiento

This portfolio is suitable for aggressive investors seeking long-term capital appreciation. These investors typically have a high risk tolerance and are comfortable with significant market fluctuations. Their primary goal is to achieve substantial growth over an extended investment horizon. They understand that this strategy may involve periods of high volatility and potential drawdowns. Such investors are likely to have a long-term perspective, allowing them to withstand short-term market turbulence in pursuit of higher returns. They prioritize capital growth over income generation, accepting the associated risks.

Posiciones

  • Schwab U.S. Large-Cap ETF
    SCHX - US8085242019
    60,00%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    30,00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    5,00%
  • SPDR S&P World ex US
    SPDW - US78463X8891
    5,00%

The portfolio is composed primarily of U.S. large-cap equities, with significant allocations to the Schwab U.S. Large-Cap ETF and the Schwab U.S. Large-Cap Growth ETF, making up 90% of the holdings. Additionally, it includes a small allocation to U.S. small-cap value stocks and a minimal exposure to international equities through the SPDR S&P World ex US ETF. This composition reflects a strong preference for large-cap U.S. equities, which can provide stability and growth potential. However, the limited international exposure may reduce diversification benefits, potentially increasing portfolio volatility.

Crecimiento

Historically, the portfolio has performed exceptionally well, with a compound annual growth rate (CAGR) of 17.67%. This impressive performance is tempered by a maximum drawdown of -34.25%, indicating significant volatility during market downturns. The portfolio's returns are concentrated, with 90% of gains occurring over just 19 days. This highlights the potential for substantial short-term fluctuations. While past performance is not indicative of future results, the historical data suggests a high-risk, high-reward investment strategy that may appeal to investors seeking aggressive growth.

Proyección

Using a Monte Carlo simulation with 1,000 iterations, the portfolio's future performance was projected based on a hypothetical initial investment. The results indicate a wide range of potential outcomes, with the 5th percentile showing a modest 45.95% increase, while the median (50th percentile) projects a substantial 676.29% increase. The 67th percentile predicts an even more impressive 1,034.75% return. With 981 simulations yielding positive returns, the portfolio demonstrates a strong potential for growth. However, investors should remain aware of the inherent uncertainties and risks associated with such projections.

Clases de activos

  • Acciones
    100%
  • Efectivo
    0%
  • Bonos
    0%
  • Otros
    0%

The portfolio is heavily weighted towards stocks, accounting for 99.87% of the total allocation. This high concentration in equities reflects a growth-oriented strategy, which can offer significant appreciation potential over the long term. However, the lack of diversification across asset classes could expose the portfolio to increased risk during market downturns. Investors may consider incorporating a more balanced mix of asset classes, such as bonds or cash, to reduce volatility and enhance portfolio stability while still pursuing growth.

Sectores

  • Tecnología
    34%
  • Finanzas
    12%
  • Salud
    11%
  • Consumo Cíclico
    11%
  • Telecomunicaciones
    10%
  • Industria
    8%
  • Bienes de cons. perecederos
    5%
  • Energía
    4%
  • Materiales básicos
    3%
  • Bienes Raices
    2%
  • Servicios públicos
    2%

The portfolio's sector allocation is dominated by technology, which comprises 33.79% of the holdings. Other significant sectors include financial services, healthcare, and consumer cyclicals. While this sector concentration aligns with a growth strategy, it may also increase vulnerability to sector-specific risks. A more balanced sector allocation could help mitigate these risks and enhance diversification. Investors might consider adjusting sector weights to achieve a more even distribution, thereby reducing potential exposure to downturns in any single sector.

Regiones

  • Norteamérica
    95%
  • Europa
    3%
  • Japón
    1%
  • Asia
    0%
  • Asia-Pacífico
    0%
  • Latino América
    0%
  • Asia Emergente
    0%
  • Africa y Media Oriente
    0%

Geographically, the portfolio is heavily concentrated in North America, with 95.08% of assets allocated to the region. This strong U.S. focus may limit exposure to growth opportunities in other regions, such as emerging markets. While U.S. equities have historically provided robust returns, diversifying geographically could reduce risk and enhance long-term growth potential. Investors may benefit from exploring opportunities in other developed and emerging markets to achieve a more balanced global allocation and capitalize on diverse economic cycles.

Posiciones redundantes

  • Schwab U.S. Large-Cap ETF
    Schwab U.S. Large-Cap Growth ETF
    Alta correlación

The portfolio exhibits high correlation among its assets, particularly between the Schwab U.S. Large-Cap ETF and the Schwab U.S. Large-Cap Growth ETF. This correlation suggests that the portfolio's performance is likely to be influenced by similar market factors, potentially leading to increased volatility. Diversifying with assets that have lower correlations could help mitigate risk and provide more stable returns. Investors might consider incorporating a broader range of asset classes or sectors with differing risk profiles and performance drivers.

Dividendos

  • Avantis® U.S. Small Cap Value ETF 1,60%
  • Schwab U.S. Large-Cap Growth ETF 0,40%
  • Schwab U.S. Large-Cap ETF 1,20%
  • SPDR S&P World ex US 2,70%
  • Rendimiento ponderado (por año) 1,06%

The portfolio has a total dividend yield of 1.06%, with the SPDR S&P World ex US ETF contributing the highest yield at 2.7%. While dividends can provide a steady income stream, the overall yield is relatively low, reflecting the portfolio's growth-oriented focus. Investors seeking higher income may need to adjust the portfolio's composition to include more dividend-paying assets. However, it's important to balance the desire for income with the growth objectives, as high-yield investments may not offer the same appreciation potential.

Costes actuales del producto

  • Avantis® U.S. Small Cap Value ETF 0,25%
  • Schwab U.S. Large-Cap Growth ETF 0,04%
  • Schwab U.S. Large-Cap ETF 0,03%
  • SPDR S&P World ex US 0,03%
  • Costes totales ponderados (por año) 0,04%

The portfolio's costs are relatively low, with a total expense ratio (TER) of 0.04%. This cost efficiency is primarily due to the low expense ratios of the Schwab ETFs, which dominate the portfolio. Keeping costs low is crucial for maximizing net returns, especially over the long term. Investors should continue to monitor expense ratios and seek cost-effective investment options to maintain this advantage. While minimizing costs is important, it should not come at the expense of achieving the desired risk-return profile and investment objectives.

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