A balanced portfolio with a strong emphasis on US equities and a moderate international exposure
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 growth with a moderate risk tolerance and a long-term investment horizon. It prioritizes exposure to US equities while maintaining some international diversification, making it ideal for individuals looking to capitalize on the stability and potential growth of developed markets. The focus on equities suggests an inclination towards capital appreciation, but the investor should be comfortable with market volatility and willing to endure short-term fluctuations for potential long-term gains.
Posiciones
-
Vanguard S&P 500 ETF
VOO - US9229083632 75,00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25,00%
This portfolio is composed of two main ETFs: 75% in the Vanguard S&P 500 ETF and 25% in the Vanguard Total International Stock Index Fund ETF Shares. This structure predominantly focuses on US large-cap equities while offering some diversification through international stocks. Such a composition highlights a preference for stability and potential growth from established markets. A portfolio like this benefits from the historical resilience of US equities, but it may be limited in exposure to emerging markets or alternative asset classes. For broader diversification, consider adding other asset classes like bonds or real estate.
Crecimiento
Historically, the portfolio has delivered a commendable CAGR of 12.53%, reflecting strong past performance. However, it experienced a significant maximum drawdown of -33.83%, indicating vulnerability during market downturns. It's important to understand that past performance doesn't guarantee future results, as market conditions can change. The portfolio's past success is largely attributed to the robust performance of US equities, particularly in technology and other growth sectors. To mitigate potential future risks, consider strategies to manage drawdowns, such as diversifying further or incorporating defensive assets.
Proyección
The Monte Carlo simulation, using 1,000 iterations, projects a range of potential future outcomes based on historical data. The median scenario suggests a 285.94% increase, while the 5th percentile indicates a lower bound of 20.58%. While simulations provide a probabilistic view of potential outcomes, they rely on historical data, which may not account for unforeseen market shifts or black swan events. To enhance future projections, regularly review and adjust the portfolio in response to evolving market conditions and personal financial goals.
Clases de activos
- Acciones 100%
- Efectivo 0%
- Otros 0%
- Sin datos 0%
The portfolio is heavily weighted towards stocks, comprising 99.56% of the total allocation, with minimal exposure to cash and other asset classes. This concentration in equities suggests a higher risk-reward profile, suitable for investors with a moderate to high risk tolerance. While equities have historically provided strong returns, they also bring volatility. To enhance diversification and reduce risk, consider adding other asset classes such as bonds or commodities, which may offer stability and potential hedges against equity market downturns.
Sectores
- Tecnología 28%
- Finanzas 15%
- Salud 11%
- Consumo Cíclico 10%
- Industria 9%
- Telecomunicaciones 8%
- Bienes de cons. perecederos 6%
- Energía 4%
- Materiales básicos 3%
- Servicios públicos 3%
- Bienes Raices 3%
The portfolio's sector allocation is led by technology at 28%, followed by financial services and healthcare. This concentration in tech reflects confidence in growth sectors, but it also increases vulnerability to sector-specific risks. Diversification across sectors helps mitigate the impact of downturns in any single industry. Consider rebalancing to ensure a more even sector distribution, which can enhance stability and reduce the risk of overexposure to cyclical downturns in specific industries.
Regiones
- Norteamérica 76%
- Europa 10%
- Asia Emergente 4%
- Japón 4%
- Asia 3%
- Asia-Pacífico 1%
- Africa y Media Oriente 1%
- Latino América 1%
- Europa Emergente 0%
Geographically, the portfolio is predominantly focused on North America, with 76.5% exposure, followed by Europe and Asia. This geographic concentration provides stability from developed markets but limits exposure to potentially high-growth emerging markets. Geographic diversification can help spread risk and capture growth opportunities in different regions. Consider increasing exposure to emerging markets to tap into their growth potential while maintaining a balance that aligns with your risk tolerance and investment goals.
Dividendos
- Vanguard S&P 500 ETF 1,20%
- Vanguard Total International Stock Index Fund ETF Shares 3,00%
- Rendimiento ponderado (por año) 1,65%
This portfolio offers a moderate dividend yield of 1.65%, with the international ETF contributing a higher yield of 3%. Dividends provide a steady income stream and can enhance total returns, especially in volatile markets. However, relying solely on dividends may not suffice for income needs. Consider integrating a mix of growth and income-focused investments to balance capital appreciation with income generation. Regularly reassess dividend yields and reinvest for compounding benefits.
Costes actuales del producto
- Vanguard S&P 500 ETF 0,03%
- Vanguard Total International Stock Index Fund ETF Shares 0,08%
- Costes totales ponderados (por año) 0,04%
With a total expense ratio of 0.04%, this portfolio is cost-efficient, minimizing the drag on returns. Low costs are crucial for maximizing long-term growth, as they compound over time. Vanguard's reputation for low-cost investing aligns well with this objective. While the current costs are competitive, it's always beneficial to periodically review fees and explore other cost-effective investment options that align with your financial goals. Keeping costs low without compromising on quality investments is key.
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 could potentially be optimized using the Efficient Frontier to achieve a better risk-return ratio. The Efficient Frontier identifies the optimal asset allocation that maximizes returns for a given level of risk. By adjusting the current asset weights, it may be possible to enhance the portfolio's efficiency. However, it's important to note that optimization is based on historical data and assumptions, which may not always predict future performance. Regular reviews and adjustments in response to changing market conditions are recommended.
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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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