High-Risk Growth Portfolio with Strong Technology Focus and Limited Diversification

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 suits an investor with a high risk tolerance, seeking substantial growth over the long term. Such an investor is comfortable with significant market fluctuations and potential drawdowns in pursuit of outsized returns. The focus on technology and growth-oriented assets aligns with those aiming for aggressive capital appreciation. A long investment horizon allows for recovery from potential losses, making this portfolio ideal for individuals who can withstand volatility and are not reliant on immediate income from their investments.

Posiciones

  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    21,00%
  • NVIDIA Corporation
    NVDA - US67066G1040
    19,00%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    19,00%
  • Realty Income Corp
    O - US7561091049
    17,00%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    9,00%
  • Vanguard Total Bond Market Index Fund ETF Shares
    BND - US9219378356
    5,00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    4,00%
  • JPMorgan Nasdaq Equity Premium Income ETF
    JEPQ - US46654Q2030
    4,00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    2,00%

The portfolio is heavily concentrated in a few key holdings, with a notable focus on growth-oriented assets. The Invesco NASDAQ 100 ETF and NVIDIA Corporation together make up a significant portion, indicating a strong bias towards technology. While this can drive substantial returns, it also increases risk due to limited diversification. The presence of some dividend-focused ETFs and a bond fund offers a slight balance, but overall, the portfolio remains heavily skewed towards equities. A more balanced approach could help mitigate potential volatility and provide greater stability over time.

Crecimiento

Historically, this portfolio has delivered impressive returns, with a compound annual growth rate (CAGR) of 40.67%. However, the high returns come with a considerable risk, as evidenced by a maximum drawdown of -22.34%. This indicates the portfolio's vulnerability to market downturns, which can be a concern for risk-averse investors. The concentration of returns in just 20 days further highlights the portfolio's reliance on a few high-performing periods. To maintain such high performance, investors should be prepared for significant fluctuations and potentially consider diversifying to reduce drawdown risk.

Proyección

Using a Monte Carlo simulation, which models potential future outcomes based on historical data, the portfolio shows promising growth prospects. Assuming a hypothetical initial investment, simulations suggest a median return of 943.83% over the investment horizon. However, the wide range of outcomes, with the 5th percentile at 112.36% and the 67th at 1,521.29%, underscores the inherent uncertainty and risk. While the majority of simulations yield positive returns, it's crucial to be prepared for variability. Investors should consider their risk tolerance and possibly diversify to increase the likelihood of achieving desired outcomes.

Clases de activos

  • Acciones
    94%
  • Bonos
    5%
  • Sin datos
    1%
  • Efectivo
    0%
  • Otros
    0%

The portfolio is predominantly composed of stocks, accounting for over 94% of the asset allocation. This heavy equity exposure aligns with a growth-oriented strategy but comes with increased volatility. Bonds make up a small portion, providing minimal risk mitigation. The limited presence of cash and other assets suggests a focus on capital appreciation rather than income generation or capital preservation. For investors seeking a more balanced risk profile, increasing the allocation to bonds or other low-correlation assets could help stabilize returns and reduce overall portfolio risk.

Sectores

  • Tecnología
    39%
  • Bienes Raices
    18%
  • Consumo Cíclico
    7%
  • Telecomunicaciones
    6%
  • Finanzas
    6%
  • Salud
    6%
  • Industria
    5%
  • Bienes de cons. perecederos
    4%
  • Energía
    3%
  • Materiales básicos
    1%
  • Servicios públicos
    1%

The portfolio's sector allocation is heavily skewed towards technology, comprising nearly 39% of the total. While this sector has historically driven strong returns, it also introduces significant concentration risk. Other sectors, such as real estate and consumer cyclicals, provide some diversification, but their impact is limited. A more evenly distributed sector allocation could enhance stability and reduce vulnerability to sector-specific downturns. Investors might consider broadening their exposure to underrepresented sectors to achieve a more balanced and resilient portfolio that can withstand various economic conditions.

Regiones

  • Norteamérica
    92%
  • Europa
    1%
  • Asia Emergente
    0%
  • Japón
    0%
  • Latino América
    0%
  • Asia
    0%
  • Asia-Pacífico
    0%
  • Africa y Media Oriente
    0%
  • Europa Emergente
    0%

Geographically, the portfolio is overwhelmingly concentrated in North America, with over 92% of assets allocated to the region. This lack of international diversification can increase vulnerability to region-specific risks and limit exposure to growth opportunities in other markets. While there is minimal exposure to Europe, Asia, and other regions, it's insufficient to achieve significant geographic balance. Investors seeking to mitigate regional risks and capture global growth potential should consider increasing exposure to international markets, which could lead to a more diversified and resilient portfolio.

Posiciones redundantes

  • Invesco NASDAQ 100 ETF
    JPMorgan Nasdaq Equity Premium Income ETF
    Alta correlación
  • JPMorgan Nasdaq Equity Premium Income ETF
    Vanguard S&P 500 ETF
    Alta correlación
  • Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    Alta correlación

Within the portfolio, several assets exhibit high correlation, moving in similar directions historically. This can amplify volatility during market swings, as correlated assets tend to rise and fall together. High correlation is particularly evident among the technology-focused holdings, increasing the portfolio's sensitivity to sector-specific risks. Lowering correlation by introducing assets with different return drivers could enhance diversification and reduce overall risk. By incorporating less correlated investments, investors can achieve a more balanced portfolio that is better equipped to navigate varying market conditions.

Dividendos

  • Avantis® U.S. Small Cap Value ETF 1,60%
  • Vanguard Total Bond Market Index Fund ETF Shares 3,60%
  • JPMorgan Nasdaq Equity Premium Income ETF 9,60%
  • Realty Income Corp 5,30%
  • Invesco NASDAQ 100 ETF 0,70%
  • Schwab U.S. Dividend Equity ETF 3,40%
  • Vanguard S&P 500 ETF 1,30%
  • Vanguard Total International Stock Index Fund ETF Shares 2,90%
  • Rendimiento ponderado (por año) 2,29%

The portfolio's dividend yield stands at 2.29%, indicating a moderate level of income generation. While some holdings, like Realty Income Corp and JPMorgan Nasdaq Equity Premium Income ETF, offer attractive yields, the overall focus remains on growth rather than income. For investors seeking a steady income stream, increasing the allocation to higher-yielding assets or dividend-focused funds could enhance cash flow. Balancing growth and income objectives can provide a more comprehensive investment strategy, catering to both capital appreciation and regular income needs.

Costes actuales del producto

  • Avantis® U.S. Small Cap Value ETF 0,25%
  • Vanguard Total Bond Market Index Fund ETF Shares 0,03%
  • JPMorgan Nasdaq Equity Premium Income ETF 0,35%
  • Invesco NASDAQ 100 ETF 0,15%
  • Schwab U.S. Dividend Equity ETF 0,06%
  • Vanguard S&P 500 ETF 0,03%
  • Vanguard Total International Stock Index Fund ETF Shares 0,08%
  • Costes totales ponderados (por año) 0,07%

The portfolio's total expense ratio (TER) is relatively low at 0.07%, reflecting cost-efficient management. Low costs are beneficial in maximizing net returns, as fees can significantly erode performance over time. The Vanguard ETFs contribute to this efficiency with their minimal expense ratios. Keeping investment costs low is a crucial component of a successful investment strategy. Investors should continue to monitor expenses and consider cost-effective options when making changes to the portfolio. Maintaining a focus on low-cost investments can enhance long-term returns and support overall financial goals.

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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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