A conservative portfolio with high liquidity and moderate global equity 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 conservadores
This portfolio suits an investor seeking stability and income with a low-risk tolerance and a medium to long-term horizon. It prioritizes capital preservation and steady returns, making it ideal for individuals who prefer a conservative approach to investing. The focus on liquidity and moderate equity exposure aligns with goals of maintaining wealth while cautiously participating in market growth.
Posiciones
-
iShares® 0-3 Month Treasury Bond ETF
SGOV - US46436E7186 50,00% -
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40,00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10,00%
The portfolio is heavily weighted towards cash equivalents, with 50% in a treasury bond ETF, and the remaining 50% split between domestic and international equity ETFs. This composition leans conservative, prioritizing stability and liquidity over aggressive growth. Compared to a typical balanced portfolio, which might have a higher allocation to equities, this portfolio is positioned to minimize risk. For those seeking more growth potential, consider gradually increasing equity exposure, keeping in mind your risk tolerance and investment goals.
Crecimiento
The historical performance shows a compound annual growth rate (CAGR) of 9.09%, which is impressive for a conservative portfolio. This suggests strong past returns, although it's crucial to remember that past performance doesn't guarantee future results. Compared to market benchmarks, this growth rate indicates efficient management of risk. If you're satisfied with this level of performance, maintaining the current allocation could be beneficial. However, if you're seeking higher returns, consider adjusting the equity-to-cash ratio.
Proyección
Using Monte Carlo simulations, the portfolio's potential future outcomes are projected, with a 50th percentile end value of 244.38%. This method uses historical data to simulate various market conditions, but it's important to note that these projections are not guarantees. The simulations show a high probability of positive returns, reinforcing the portfolio's conservative nature. To align with your expectations, periodically review these projections and adjust the portfolio if necessary to meet changing financial goals.
Clases de activos
- Efectivo 50%
- Acciones 50%
- Otros 0%
- Sin datos 0%
The portfolio is split between cash (50%) and stocks (50%), offering a moderate level of diversification. This allocation is typical for conservative investors, as cash provides stability while stocks offer growth potential. Compared to benchmarks, the cash allocation is higher, which reduces risk but also limits growth. If you're comfortable with more risk for potential higher returns, consider increasing stock exposure gradually.
Sectores
- Tecnología 14%
- Finanzas 7%
- Salud 6%
- Consumo Cíclico 5%
- Industria 5%
- Telecomunicaciones 4%
- Bienes de cons. perecederos 3%
- Energía 2%
- Materiales básicos 2%
- Bienes Raices 1%
- Servicios públicos 1%
The sector allocation is diverse, with technology, financial services, and healthcare being the largest, reflecting broader market trends. This distribution mirrors common benchmarks, indicating a balanced approach to sector exposure. However, technology's prominence may introduce volatility during market fluctuations. To mitigate this, you could consider slightly increasing allocations to underrepresented sectors, ensuring alignment with long-term goals and risk appetite.
Regiones
- Norteamérica 41%
- Europa 4%
- Asia Emergente 2%
- Japón 2%
- Asia 1%
- Asia-Pacífico 1%
- Africa y Media Oriente 0%
- Latino América 0%
- Europa Emergente 0%
Geographically, the portfolio is predominantly North American-focused, with limited exposure to other regions. This aligns with many conservative portfolios but may miss opportunities in emerging markets. Compared to global benchmarks, there's an underexposure to international markets, which could limit diversification benefits. To enhance geographic diversity, consider gradually increasing allocations to non-North American regions, keeping in mind the associated risks and potential rewards.
Dividendos
- iShares® 0-3 Month Treasury Bond ETF 5,10%
- Vanguard Total Stock Market Index Fund ETF Shares 1,30%
- Vanguard Total International Stock Index Fund ETF Shares 3,40%
- Rendimiento ponderado (por año) 3,41%
The portfolio offers a total dividend yield of 3.41%, significantly supported by the treasury bond ETF's yield. Dividends can provide a steady income stream, which is appealing for conservative investors. Compared to typical dividend-focused portfolios, this yield is competitive. To maintain or enhance income, consider reinvesting dividends or exploring other income-generating investments that align with your risk tolerance.
Costes actuales del producto
- iShares® 0-3 Month Treasury Bond ETF 0,07%
- 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) 0,06%
The total expense ratio (TER) of 0.06% is impressively low, supporting better long-term performance by minimizing costs. This aligns well with best practices for cost-efficient investing. Compared to similar portfolios, these costs are favorable, contributing to higher net returns. Continue monitoring fund fees and consider replacing high-cost funds with lower-cost alternatives to maintain this advantage.
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's current risk-return profile could be optimized using the Efficient Frontier, which suggests a more efficient allocation could yield higher returns at the same risk level. The Efficient Frontier is a concept that helps identify the best possible risk-return ratio. While the current allocation is already conservative, exploring minor adjustments could enhance returns without significantly increasing risk.
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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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