High-Risk Growth Portfolio with Low Diversification and Strong Sector Concentration

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 an aggressive investor with a high-risk tolerance and a long-term investment horizon. Such an investor is typically focused on growth and is willing to accept significant volatility in pursuit of higher returns. Their primary goal is capital appreciation, and they are comfortable with short-term losses. This type of investor often has a longer time frame, allowing them to weather market downturns and benefit from the potential for substantial gains over time.

Posiciones

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    50,00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    10,00%
  • SPDR® S&P MIDCAP 400 ETF Trust
    MDY - US78467Y1073
    10,00%
  • Vanguard Energy Index Fund ETF Shares
    VDE - US92204A3068
    10,00%
  • Vanguard Financials Index Fund ETF Shares
    VFH - US92204A4058
    10,00%
  • Vanguard Information Technology Index Fund ETF Shares
    VGT - US92204A7028
    10,00%

The portfolio is heavily weighted towards equities, with a significant concentration in the Vanguard S&P 500 ETF at 50%. This lack of diversification means the portfolio is more susceptible to market volatility. Diversification is key to reducing risk in a portfolio, and having a high concentration in a single ETF can lead to significant swings in value. To improve diversification, consider adding assets from different classes, such as bonds or international equities, to balance out the portfolio.

Crecimiento

Historically, the portfolio has performed well with a compound annual growth rate (CAGR) of 15.41%. However, it has also experienced a maximum drawdown of -38.68%, indicating significant volatility. High returns often come with higher risks, and the large drawdown suggests the portfolio is vulnerable to market downturns. To mitigate this risk, incorporating more stable, lower-risk investments could help smooth out returns and provide a buffer during market declines.

Proyección

Using a Monte Carlo simulation with 1,000 iterations, the portfolio shows a wide range of potential outcomes. The 5th percentile projection is 48.4%, while the 50th percentile is 636.9%, and the 67th percentile is 1,105.3%. Monte Carlo simulations help understand the range of possible future outcomes by simulating different market conditions. To increase the likelihood of achieving more stable returns, consider diversifying the portfolio further to reduce the impact of market volatility.

Clases de activos

  • Acciones
    100%
  • Efectivo
    0%

The portfolio is almost entirely composed of stocks, with a negligible amount of cash. This high allocation to equities aligns with a high-risk, high-reward investment strategy. While stocks can offer significant growth potential, they also come with increased risk. To reduce overall portfolio risk, consider allocating a portion of the investment to bonds or other fixed-income assets, which can provide more stability and income during market downturns.

Sectores

  • Tecnología
    27%
  • Finanzas
    20%
  • Energía
    14%
  • Consumo Cíclico
    9%
  • Industria
    8%
  • Salud
    7%
  • Telecomunicaciones
    5%
  • Bienes de cons. perecederos
    4%
  • Materiales básicos
    2%
  • Bienes Raices
    2%
  • Servicios públicos
    1%

The sector allocation is heavily skewed towards Technology (27.32%), Financial Services (20.06%), and Energy (14.11%). This concentration in a few sectors increases the portfolio's exposure to sector-specific risks. Diversifying across more sectors can help mitigate the impact of downturns in any single industry. Consider spreading investments across a broader range of sectors to reduce the risk associated with sector concentration.

Regiones

  • Norteamérica
    99%
  • Europa
    1%
  • Latino América
    0%
  • Asia Emergente
    0%
  • Asia
    0%
  • Africa y Media Oriente
    0%

Geographically, the portfolio is overwhelmingly focused on North America, with 99.06% of assets allocated there. This lack of international exposure means the portfolio is highly dependent on the performance of the U.S. market. To reduce geographic risk, consider adding international equities to the portfolio. Diversifying geographically can help protect against regional economic downturns and provide exposure to growth opportunities in other markets.

Dividendos

  • Avantis® U.S. Small Cap Value ETF 1,70%
  • SPDR® S&P MIDCAP 400 ETF Trust 1,20%
  • Vanguard Energy Index Fund ETF Shares 3,00%
  • Vanguard Financials Index Fund ETF Shares 1,80%
  • Vanguard Information Technology Index Fund ETF Shares 0,60%
  • Vanguard S&P 500 ETF 1,30%
  • Rendimiento ponderado (por año) 1,48%

The portfolio's dividend yield is not explicitly provided, but given the high allocation to equities, it likely includes some dividend-paying stocks. Dividends can provide a steady income stream and help offset losses during market downturns. To enhance income stability, consider focusing on high-quality dividend-paying stocks or dividend-focused ETFs, which can provide regular income and potentially lower volatility.

Costes actuales del producto

  • Avantis® U.S. Small Cap Value ETF 0,25%
  • SPDR® S&P MIDCAP 400 ETF Trust 0,24%
  • Vanguard Energy Index Fund ETF Shares 0,10%
  • Vanguard Financials Index Fund ETF Shares 0,10%
  • Vanguard Information Technology Index Fund ETF Shares 0,10%
  • Vanguard S&P 500 ETF 0,03%
  • Costes totales ponderados (por año) 0,09%

The portfolio's total expense ratio (TER) is 0.09%, which is relatively low. Lower costs mean more of the investment returns are retained by the investor. Keeping costs low is crucial for long-term investment success, as high fees can erode returns over time. Continue to monitor and manage investment costs to ensure they remain low, and consider low-cost index funds or ETFs to maintain cost efficiency.

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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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