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.
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.
Inversores equilibrados
This portfolio is suitable for a balanced investor who seeks a mix of growth and stability. Such an investor typically has a moderate risk tolerance and a medium to long-term investment horizon. Their primary goal is to achieve capital appreciation while managing risk through diversification. They are comfortable with some market volatility and drawdowns, understanding that these are part of the process to achieve higher long-term returns. This type of investor values both growth potential and risk management.
The portfolio is composed of five ETFs, with a significant allocation to Vanguard S&P 500 ETF at 50%, followed by Invesco NASDAQ 100 ETF at 20%, Vanguard Total International Stock Index Fund ETF Shares at 15%, Avantis U.S. Small Cap Value ETF at 10%, and VanEck Semiconductor ETF at 5%. This composition indicates a balanced approach with a focus on large-cap U.S. equities. A broad range of sectors and geographic regions are covered, suggesting a well-diversified portfolio. However, the high concentration in U.S. equities may expose it to domestic market risks.
Historically, the portfolio has performed well, with a compound annual growth rate (CAGR) of 15.35%. The maximum drawdown, or the largest peak-to-trough decline, was -26.55%, which reflects the portfolio's vulnerability during market downturns. Notably, 90% of the returns were concentrated in just 19 days, highlighting the importance of staying invested during volatile periods. This strong historical performance suggests that the portfolio has been effective in capturing market gains, although it has experienced significant volatility.
Using a Monte Carlo simulation with 1,000 iterations, the portfolio's future performance was projected. This simulation provides a range of possible outcomes by modeling different market scenarios. The 5th percentile projection shows a 145.57% return, while the median (50th percentile) is 946.34%, and the 67th percentile is 1,522.98%. An impressive 995 out of 1,000 simulations resulted in positive returns, with an average annualized return of 21.2%. These projections suggest a high probability of continued strong performance, albeit with inherent risks.
The portfolio is almost entirely invested in stocks, with 99.47% allocated to equities. There is a minimal allocation to cash (0.50%) and other assets (0.02%). This heavy skew towards equities indicates a growth-oriented strategy, which can offer substantial returns but also comes with increased risk. To mitigate risk, it might be beneficial to consider adding more fixed-income assets or bonds, which can provide stability and income, especially during market downturns.
The sector allocation is diverse, with significant exposure to Technology (32.73%), Financial Services (12.14%), and Consumer Cyclicals (11.43%). Other notable sectors include Industrials, Healthcare, and Communication Services. The portfolio's heavy weighting in technology could lead to higher returns but also exposes it to sector-specific risks. Diversifying further into underrepresented sectors like Utilities and Real Estate could help balance the portfolio and reduce sector-specific volatility.
Geographically, the portfolio is predominantly invested in North America (84.05%), with smaller allocations to Europe Developed (6.95%), Japan (2.48%), and various other regions. This heavy concentration in North American assets could result in higher returns if the U.S. market performs well but also increases vulnerability to regional economic downturns. Diversifying further into emerging markets and underrepresented regions could provide additional growth opportunities and reduce geographic risk.
The portfolio's dividend yield is not specified, but given its heavy allocation to growth-oriented ETFs, it likely generates modest dividend income. Growth ETFs typically reinvest earnings to fuel expansion rather than paying out high dividends. For investors seeking regular income, incorporating high-dividend ETFs or dividend-focused funds could enhance the portfolio's income-generating potential without significantly altering its risk profile.
The portfolio's total expense ratio (TER) is 0.1%, which is relatively low and indicates cost efficiency. The Vanguard S&P 500 ETF has the lowest expense ratio at 0.03%, while the VanEck Semiconductor ETF is the highest at 0.35%. Keeping costs low is crucial for maximizing net returns over time. Regularly reviewing and potentially replacing higher-cost funds with lower-cost alternatives can help maintain this cost efficiency and improve overall portfolio performance.
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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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