Broadly Diversified Growth Portfolio with Strong Technology Focus and Moderate Risk

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 investor with a higher risk tolerance, aiming for long-term capital growth. Such an investor is likely to have a longer investment horizon, allowing them to weather short-term market volatility. They prioritize growth over income and are comfortable with significant exposure to equities, particularly in the technology sector. This investor is also willing to accept higher drawdowns in exchange for the potential of higher returns.

Posiciones

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    40,00%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    26,60%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    20,00%
  • Invesco QQQ Trust
    QQQ - US46090E1038
    10,00%
  • VanEck Semiconductor ETF
    SMH - US92189F6768
    3,40%

The portfolio is composed of five ETFs with a significant allocation towards U.S. stocks. The Vanguard Total Stock Market Index Fund ETF Shares make up 40%, followed by the Vanguard S&P 500 ETF at 26.6%, and the Vanguard Total International Stock Index Fund ETF Shares at 20%. Additionally, there is a 10% allocation to the Invesco QQQ Trust and a smaller 3.4% allocation to the VanEck Semiconductor ETF. This mix indicates a strong emphasis on broad market exposure with a slight tilt towards technology and growth sectors.

Crecimiento

Historically, this portfolio has shown a commendable performance with a Compound Annual Growth Rate (CAGR) of 13.21%. However, it has also experienced significant volatility, with a maximum drawdown of -33.32%. This means that while the portfolio has the potential for high returns, it can also suffer substantial losses during market downturns. The performance is driven by the high allocation to U.S. equities, particularly in the technology sector, which has seen robust growth over the past decade.

Proyección

Using a Monte-Carlo simulation with 1,000 runs, the median expected return for this portfolio is 647.6%, with the 5th percentile at 109.38% and the 67th percentile at 960.97%. This simulation provides a range of potential outcomes based on historical data, helping to estimate future performance. The high number of simulations with positive returns (994 out of 1,000) suggests a favorable outlook, though the actual performance may vary based on market conditions.

Clases de activos

  • Acciones
    99%
  • Efectivo
    1%
  • Otros
    0%
  • Sin datos
    0%

The portfolio is heavily weighted towards stocks, comprising 99.21% of the total allocation, with minimal exposure to cash and other asset classes. This high concentration in equities aligns with the growth objective but also increases the portfolio's risk. Diversifying into other asset classes such as bonds or commodities could help mitigate risk and provide more stability during market fluctuations.

Sectores

  • Tecnología
    31%
  • Finanzas
    13%
  • Salud
    11%
  • Consumo Cíclico
    11%
  • Industria
    10%
  • Telecomunicaciones
    8%
  • Bienes de cons. perecederos
    6%
  • Energía
    4%
  • Materiales básicos
    3%
  • Bienes Raices
    2%
  • Servicios públicos
    2%

The sector allocation is dominated by technology at 30.85%, followed by financial services at 12.60%, and healthcare at 10.71%. While this concentration in technology has driven strong past performance, it also exposes the portfolio to sector-specific risks. A more balanced sector allocation could help reduce risk and enhance long-term stability. Considering sectors like consumer defensives or utilities might provide better resilience during market downturns.

Regiones

  • Norteamérica
    80%
  • Europa
    9%
  • Japón
    3%
  • Asia Emergente
    3%
  • Asia
    3%
  • Asia-Pacífico
    1%
  • Africa y Media Oriente
    1%
  • Latino América
    1%
  • Europa Emergente
    0%

Geographically, the portfolio is predominantly invested in North America, which accounts for 80.26% of the allocation. Europe Developed follows with 8.61%, and Japan with 3.31%. This heavy North American focus benefits from the strong performance of U.S. markets but may miss out on growth opportunities in other regions. Increasing exposure to emerging markets or other developed regions could enhance diversification and potentially improve returns.

Dividendos

  • Invesco QQQ Trust 0,60%
  • VanEck Semiconductor ETF 0,50%
  • Vanguard S&P 500 ETF 1,30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1,40%
  • Vanguard Total International Stock Index Fund ETF Shares 3,10%
  • Rendimiento ponderado (por año) 1,60%

The portfolio's dividend yield information is not provided, but given the high allocation to growth-oriented ETFs, it is likely to have a lower yield. Growth stocks typically reinvest earnings to fuel expansion rather than pay out dividends. For investors seeking income, incorporating dividend-focused ETFs or stocks could provide a more consistent income stream while still maintaining growth potential.

Costes actuales del producto

  • Invesco QQQ Trust 0,20%
  • VanEck Semiconductor ETF 0,35%
  • Vanguard S&P 500 ETF 0,03%
  • Vanguard Total Stock Market Index Fund ETF Shares 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 quite low at 0.07%, which is excellent for cost efficiency. The Vanguard ETFs, in particular, have very low expense ratios, contributing to this low overall cost. Keeping investment costs low is crucial as it directly impacts net returns. While the current costs are optimal, it's essential to periodically review and ensure that any new additions to the portfolio maintain this cost efficiency.

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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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