A balanced and broadly diversified portfolio with a focus on US equities and low costs
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 equilibrados
This portfolio suits an investor seeking balanced growth with moderate risk tolerance and a long-term horizon. It prioritizes steady returns while maintaining exposure to global equities, making it ideal for individuals looking to build wealth over time. The mix of US and international equities with a small allocation to bonds provides both growth potential and some stability. This approach is well-suited for investors who are comfortable with market fluctuations and are focused on achieving their financial objectives over a longer period.
Posiciones
-
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 72,00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 18,00% -
Vanguard Intermediate-Term Treasury Index Fund ETF Shares
VGIT - US92206C7065 10,00%
This portfolio is composed primarily of equity ETFs, with a significant 72% allocation to the Vanguard Total Stock Market Index Fund. International stocks account for 18%, and intermediate-term treasuries make up the remaining 10%. This composition reflects a balanced approach, with a strong emphasis on equities for growth while maintaining some fixed income for stability. Compared to common benchmarks, this allocation leans more towards equities, which may enhance growth potential but also increase volatility. Consider whether this weighting aligns with your risk tolerance and investment goals, and adjust if necessary to ensure it meets your personal financial objectives.
Crecimiento
Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 11.23%, indicating strong past performance. However, it also experienced a significant maximum drawdown of -32.05%, reflecting the potential for substantial losses during market downturns. This performance suggests a robust growth profile, typical of equity-heavy portfolios, but also highlights the importance of being prepared for volatility. It's crucial to remember that past performance does not guarantee future results. Regularly reviewing your portfolio's historical performance in the context of your risk tolerance can help you stay on track with your investment goals.
Proyección
The Monte Carlo simulation, which uses historical data to project future outcomes, shows a wide range of potential returns. With a 50th percentile projection of 134.46% and an annualized return of 7.32%, the portfolio has a strong outlook. However, the 5th percentile projection of 0.62% highlights the uncertainty inherent in investing. While simulations provide valuable insights, they rely on historical data and assumptions that may not hold true in the future. Use these projections as a guide, but remain flexible and open to adjusting your strategy as market conditions evolve.
Clases de activos
- Acciones 89%
- Bonos 10%
- Efectivo 1%
- Otros 0%
- Sin datos 0%
The portfolio is heavily weighted towards stocks, with 89.22% in equities, 9.93% in bonds, and a minimal allocation to cash and other assets. This allocation is typical for a balanced portfolio, providing growth potential through equities while offering some stability through bonds. Compared to benchmarks, the stock allocation is slightly higher, which may increase potential returns but also volatility. Consider your risk tolerance when evaluating this distribution, and ensure it aligns with your long-term financial goals. Diversifying across more asset classes could further enhance risk management and return potential.
Sectores
- Tecnología 25%
- Finanzas 14%
- Consumo Cíclico 10%
- Salud 9%
- Industria 9%
- Telecomunicaciones 7%
- Bienes de cons. perecederos 5%
- Energía 3%
- Materiales básicos 3%
- Bienes Raices 2%
- Servicios públicos 2%
The portfolio's sector allocation is well diversified, with technology, financial services, and consumer cyclicals being the largest sectors. Technology accounts for 25.39%, which is above typical benchmark levels, indicating a potential for higher volatility and growth. This sectoral balance provides exposure to various economic cycles, reducing risk associated with sector-specific downturns. However, the high concentration in technology could lead to increased volatility, especially during interest rate hikes. Regularly reviewing sector weights and considering adjustments to align with economic trends can help optimize risk and return.
Regiones
- Norteamérica 73%
- Europa 7%
- Asia Emergente 3%
- Japón 3%
- Asia 2%
- Asia-Pacífico 1%
- Africa y Media Oriente 1%
- Latino América 0%
- Europa Emergente 0%
Geographically, the portfolio is predominantly focused on North America, with 73.15% exposure, followed by smaller allocations to Europe, Asia, and other regions. This geographic concentration aligns with many benchmarks but may limit exposure to growth opportunities in emerging markets. Diversifying geographically can reduce risk associated with regional economic downturns and increase potential returns by capturing global growth trends. Consider whether your geographic exposure aligns with your investment goals and risk tolerance, and explore opportunities to increase exposure to underrepresented regions for greater diversification.
Dividendos
- Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3,30%
- Vanguard Total Stock Market Index Fund ETF Shares 1,30%
- Vanguard Total International Stock Index Fund ETF Shares 3,40%
- Rendimiento ponderado (por año) 1,88%
The portfolio's overall dividend yield is 1.88%, with the Vanguard Total International Stock Index Fund offering the highest yield at 3.4%. Dividends can provide a steady income stream and contribute to total returns, especially during periods of market volatility. For investors seeking income, maintaining a focus on dividend-paying assets can enhance portfolio stability. However, it's essential to balance the pursuit of yield with growth objectives, ensuring that the portfolio remains aligned with your long-term financial goals.
Costes actuales del producto
- Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0,04%
- 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) 0,04%
The portfolio boasts impressively low costs, with a total expense ratio (TER) of 0.04%. This low-cost structure is beneficial for long-term performance, as it allows more of your investment returns to compound over time. Keeping costs low is a key component of successful investing, as high fees can erode returns significantly. Regularly reviewing your portfolio's expense ratios and exploring opportunities to reduce costs further, such as switching to lower-cost funds or ETFs, can help optimize your investment strategy.
Risk vs. return
This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.
The portfolio appears to be well-positioned on the Efficient Frontier, offering a strong risk-return ratio based on the current asset allocation. This optimization suggests that the portfolio is effectively balancing risk and return, maximizing potential gains for the level of risk taken. While this is a positive sign, it's important to remember that the Efficient Frontier is based on historical data and assumptions that may not hold in the future. Regularly reviewing and rebalancing your portfolio can help maintain its efficiency and alignment with your investment goals.
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Invertir implica riesgos. Los usuarios deben ser conscientes de que el valor de las inversiones puede fluctuar y que los rendimientos pasados no son garantía de resultados futuros. Las decisiones de inversión deben basarse en objetivos financieros personales, tolerancia al riesgo y una evaluación independiente de la información relevante.
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