High-Risk Growth Portfolio with Low Diversification and Heavy Technology Focus
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 who is comfortable with high risk and volatility. Such an investor typically has a long-term investment horizon and seeks substantial capital appreciation. They are not overly concerned with short-term market fluctuations and are willing to accept significant drawdowns. This investor is likely focused on maximizing growth and can tolerate the high concentration in specific sectors and regions, understanding the potential for both high returns and high risk.
Posiciones
-
Vanguard S&P 500 ETF
VOO - US9229083632 40,30% -
Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 30,70% -
Invesco NASDAQ 100 ETF
QQQM - US46138G6492 29,00%
The portfolio is heavily concentrated in three ETFs: Vanguard S&P 500 ETF (40.3%), Vanguard Information Technology Index Fund ETF Shares (30.7%), and Invesco NASDAQ 100 ETF (29%). This composition shows a strong tilt towards large-cap U.S. stocks, particularly in the technology sector. While these ETFs are well-regarded, the lack of diversification could expose the portfolio to significant sector-specific risks. To mitigate this, consider diversifying into other sectors and asset classes to spread risk more evenly across the portfolio.
Crecimiento
Historically, the portfolio has performed well, boasting a compound annual growth rate (CAGR) of 13.43%. However, it also experienced a maximum drawdown of -30.71%, indicating substantial volatility. This high performance comes with high risk, which is typical for a growth-oriented portfolio. To better manage risk, it might be wise to include some less volatile investments. This could help stabilize returns during market downturns.
Proyección
Using a Monte Carlo simulation with 1,000 iterations, the portfolio shows a wide range of potential outcomes. The 5th percentile projects a 59.35% return, while the 50th percentile projects 499.53%, and the 67th percentile projects 803.41%. This indicates a high level of uncertainty but also significant upside potential. Such simulations highlight the importance of maintaining a long-term investment horizon to ride out periods of volatility and capitalize on potential gains.
Clases de activos
- Acciones 100%
- Efectivo 0%
The portfolio is almost entirely composed of stocks (99.8%), with a negligible amount in cash (0.2%). This heavy allocation to equities is typical for a high-risk, growth-oriented portfolio but leaves little room for risk mitigation. To reduce overall portfolio risk, consider adding bonds or other fixed-income securities. This can provide a buffer against stock market volatility and contribute to more stable returns over time.
Sectores
- Tecnología 57%
- Telecomunicaciones 8%
- Consumo Cíclico 8%
- Salud 7%
- Finanzas 5%
- Industria 5%
- Bienes de cons. perecederos 4%
- Energía 2%
- Materiales básicos 1%
- Servicios públicos 1%
- Bienes Raices 1%
The sector allocation is heavily skewed towards technology (57.1%), followed by smaller allocations in Communication Services (8.3%) and Consumer Cyclicals (8%). This concentration in a single sector increases vulnerability to sector-specific downturns. Diversifying into other sectors like Healthcare, Financial Services, and Industrials can help balance the portfolio. This would reduce dependence on the technology sector and provide more stable returns.
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 (98.7%), with minimal exposure to other regions. This lack of international diversification can be a risk if the U.S. market underperforms. Including investments from Europe, Asia, and other regions could provide a hedge against regional downturns and tap into growth opportunities in other parts of the world. This would make the portfolio more resilient to geographic-specific risks.
Dividendos
- Invesco NASDAQ 100 ETF 0,70%
- Vanguard Information Technology Index Fund ETF Shares 0,70%
- Vanguard S&P 500 ETF 1,40%
- Rendimiento ponderado (por año) 0,98%
The portfolio's dividend yield is not provided, but given the high concentration in growth-oriented ETFs, it is likely to be low. While growth stocks offer high capital appreciation potential, they often pay lower dividends. For investors seeking income, incorporating dividend-paying stocks or ETFs could be beneficial. This would provide a steady income stream and reduce reliance on capital gains for returns, adding another layer of diversification.
Costes actuales del producto
- Invesco NASDAQ 100 ETF 0,15%
- Vanguard Information Technology Index Fund ETF Shares 0,10%
- Vanguard S&P 500 ETF 0,03%
- Costes totales ponderados (por año) 0,09%
The total expense ratio (TER) of the portfolio is 0.09%, which is quite low. The individual costs are 0.15% for Invesco NASDAQ 100 ETF, 0.1% for Vanguard Information Technology Index Fund ETF Shares, and 0.03% for Vanguard S&P 500 ETF. Low costs are a significant advantage, as they allow more of the investment returns to be retained. Keeping investment costs low is a key principle for long-term portfolio growth. This cost efficiency should be maintained while considering diversification.
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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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