Cautious Portfolio with Single-Focused Diversification and Balanced Asset Allocation
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 cautelosos
This portfolio is suitable for a cautious investor who prioritizes capital preservation and moderate growth. Such an investor typically has a long-term investment horizon and a lower risk tolerance, preferring a stable and balanced approach. Their goals might include steady income generation and gradual wealth accumulation, with an emphasis on minimizing losses during market downturns. This portfolio aligns well with an investor seeking to maintain a conservative stance while still participating in market growth.
Posiciones
-
SPDR S&P 500 ETF Trust
SPY - US78462F1030 63,25% -
AGFiQ U.S. Market Neutral Anti-Beta Fund
BTAL - US00110G4082 21,50% -
Invesco DB US Dollar Index Bullish Fund
UUP - US46141D2036 15,25%
The portfolio is composed of three ETFs: SPDR S&P 500 ETF Trust at 63.25%, AGFiQ U.S. Market Neutral Anti-Beta Fund at 21.5%, and Invesco DB US Dollar Index Bullish Fund at 15.25%. This composition indicates a cautious approach with a focus on large-cap U.S. equities, market-neutral strategies, and currency exposure. The allocation is heavily weighted towards the S&P 500, providing broad market exposure but limiting diversification. To improve, consider adding more diverse asset classes to balance risk and potential returns.
Crecimiento
Historically, the portfolio has performed well with a CAGR of 10.64%. However, it has experienced a maximum drawdown of -22.79%, indicating significant volatility during market downturns. This performance suggests that while the portfolio can generate strong returns, it is also susceptible to market fluctuations. To mitigate this risk, consider incorporating more stable assets like bonds or other fixed-income securities to provide a cushion during market declines.
Proyección
Using a Monte Carlo simulation with 1,000 iterations, the portfolio's future performance was projected. The median (50th percentile) outcome showed a 139.8% increase, while the 5th percentile indicated a potential loss of -3.85%. This simulation highlights the range of possible outcomes and underscores the importance of diversification to manage risk. To enhance the portfolio's resilience, consider adding assets with lower correlations to the existing holdings.
Clases de activos
- Acciones 64%
- Efectivo 32%
- Bonos 4%
The portfolio's asset classes are primarily stocks (63.96%), cash (32.12%), and bonds (3.92%). This allocation reflects a cautious strategy with a significant portion in cash, which can act as a buffer against market volatility. However, the low bond allocation may not provide sufficient income or stability. To further reduce risk, consider increasing the bond allocation or exploring other low-risk assets like high-quality corporate bonds or government securities.
Sectores
- Tecnología 22%
- Finanzas 11%
- Salud 10%
- Consumo Cíclico 9%
- Industria 8%
- Telecomunicaciones 7%
- Bienes de cons. perecederos 5%
- Energía 3%
- Bienes Raices 3%
- Servicios públicos 3%
- Materiales básicos 2%
The sector allocation is diverse, with the highest exposure in Technology (22.11%), followed by Financial Services (11.40%) and Healthcare (10.34%). This spread across sectors provides some level of diversification, but the heavy weighting in Technology could lead to sector-specific risks. To balance this, consider reducing exposure to the Technology sector and increasing investments in underrepresented sectors like Utilities or Basic Materials.
Regiones
- Norteamérica 84%
- Europa 1%
- Asia 0%
Geographically, the portfolio is predominantly invested in North America (83.93%), with minimal exposure to Europe Developed (0.80%) and Asia Developed (0.02%). This concentration in North America limits international diversification and exposes the portfolio to regional risks. To achieve a more balanced geographic allocation, consider adding investments in emerging markets or other developed regions outside North America.
Dividendos
- AGFiQ U.S. Market Neutral Anti-Beta Fund 5,00%
- SPDR S&P 500 ETF Trust 1,30%
- Invesco DB US Dollar Index Bullish Fund 6,10%
- Rendimiento ponderado (por año) 2,83%
Dividend yield information is not provided, but it is important to consider the income potential of the portfolio. Dividends can provide a steady income stream and contribute to total returns. If dividend yield is a priority, consider adding high-dividend-paying stocks or ETFs to the portfolio. This can enhance income generation and provide some downside protection during market downturns.
Costes actuales del producto
- AGFiQ U.S. Market Neutral Anti-Beta Fund 1,43%
- SPDR S&P 500 ETF Trust 0,10%
- Invesco DB US Dollar Index Bullish Fund 0,75%
- Costes totales ponderados (por año) 0,49%
The total expense ratio (TER) of the portfolio is 0.49%, which is relatively low. The SPDR S&P 500 ETF Trust has the lowest cost at 0.1%, while the AGFiQ U.S. Market Neutral Anti-Beta Fund is the most expensive at 1.43%. Keeping costs low is crucial for long-term performance. To further reduce expenses, consider reallocating to lower-cost ETFs or funds with similar exposures.
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La información proporcionada en esta plataforma tiene únicamente fines informativos y no debe considerarse asesoramiento financiero. El contenido presentado es de carácter general y educativo, y proporciona ideas sobre diversos temas financieros.
Insightfolio no asume responsabilidad alguna por la exactitud, integridad o fiabilidad de la información presentada. Los usuarios son responsables de verificar la información y tomar decisiones independientes basadas en su propia investigación y cuidadosa consideración.
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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