A balanced portfolio with strong U.S. focus and emerging markets 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 with a balanced risk tolerance, seeking growth with moderate volatility. It is ideal for individuals with a long-term horizon who are comfortable with market fluctuations. The focus on U.S. equities and emerging markets provides opportunities for capital appreciation, while the bond allocation offers some stability. This investor values diversification and is open to adjusting their strategy to adapt to changing market conditions, ensuring their portfolio remains aligned with their financial goals.

Posiciones

  • iShares Core S&P 500 ETF
    IVV - US4642872000
    22,38%
  • VANGUARD EMERGING MARKETS STOCK INDEX FUND INVESTOR SHARES
    VEIEX - US9220423043
    19,86%
  • Vanguard Small-Cap Index Fund ETF Shares
    VB - US9229087518
    11,72%
  • Invesco S&P 500® Quality ETF
    SPHQ - US46137V2410
    10,92%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    10,80%
  • Vanguard Total Bond Market Index Fund ETF Shares
    BND - US9219378356
    9,97%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    6,86%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    VWO - US9220428588
    4,36%
  • SPDR® Portfolio S&P 500 ETF
    SPLG - US78464A8541
    3,13%

This portfolio is composed of 89% stocks and 10% bonds, with a small cash allocation. It includes a mix of ETFs and mutual funds, predominantly focusing on large-cap U.S. equities and emerging markets. The portfolio's composition leans towards equities, which aligns with the balanced risk classification. This structure provides a solid foundation for growth, while the bond allocation offers some stability. To enhance diversification, consider increasing exposure to other asset classes like real estate or commodities, which may reduce risk and improve long-term returns.

Crecimiento Info

Historically, the portfolio has delivered a CAGR of 12.94%, which is commendable. However, it experienced a maximum drawdown of -31.01%, indicating significant volatility during market downturns. Comparing this to a benchmark like the S&P 500, the performance is relatively strong, though the drawdown suggests a need for risk management. To mitigate future volatility, consider diversifying further into less correlated asset classes or sectors, which may cushion the impact of market fluctuations on overall performance.

Proyección Info

Forward projections using Monte Carlo simulations show a wide range of potential outcomes. With a 50th percentile projection of 395.6% and a 67th percentile of 589.0%, the portfolio has a high potential for growth. However, these projections are based on historical data and assume similar market conditions, which may not hold true. To account for uncertainties, regularly review and adjust your portfolio to align with changing market conditions and personal financial goals, ensuring it remains on track to meet your investment objectives.

Clases de activos Info

  • Acciones
    89%
  • Bonos
    10%
  • Efectivo
    1%
  • Otros
    0%
  • Sin datos
    0%

The portfolio's allocation across asset classes is heavily weighted towards stocks, with minimal exposure to bonds and cash. This skew towards equities suggests a focus on growth, but it may also increase volatility. Compared to a balanced benchmark, this allocation is more aggressive. To achieve better risk-adjusted returns, consider increasing the bond allocation or introducing alternative assets. This could help stabilize the portfolio during market downturns and provide a more predictable income stream.

Sectores Info

  • Tecnología
    23%
  • Finanzas
    15%
  • Telecomunicaciones
    9%
  • Industria
    9%
  • Consumo Cíclico
    8%
  • Salud
    8%
  • Bienes de cons. perecederos
    6%
  • Energía
    3%
  • Materiales básicos
    3%
  • Consumo Cíclico
    3%
  • Servicios públicos
    2%
  • Bienes Raices
    2%

Sector allocation is concentrated in technology, financial services, and communication services, which together comprise 47% of the portfolio. This concentration may lead to higher volatility, especially during sector-specific downturns. Compared to common benchmarks, the portfolio is tech-heavy. To mitigate potential risks, consider diversifying into sectors like healthcare or consumer staples, which tend to be more stable and less sensitive to economic cycles, thereby enhancing overall portfolio resilience.

Regiones Info

  • Norteamérica
    66%
  • Asia Emergente
    14%
  • Asia
    5%
  • Africa y Media Oriente
    3%
  • Latino América
    2%
  • Europa
    0%
  • Europa Emergente
    0%

Geographically, the portfolio is heavily weighted towards North America, with 66% exposure, followed by emerging markets in Asia. This allocation offers growth potential but may increase susceptibility to regional economic shifts. Compared to global benchmarks, the lack of exposure to Europe is notable. To enhance diversification, consider adding European equities, which could provide balance and reduce reliance on U.S. and Asian markets, potentially improving risk-adjusted returns over time.

Capitalización de mercado Info

  • Mega
    38%
  • Grande
    25%
  • Mediana
    16%
  • Pequeña
    8%
  • Micro
    1%

The portfolio's market capitalization distribution is skewed towards mega and big caps, which make up 63% of the allocation. This focus on large-cap stocks offers stability and lower volatility compared to small or micro-cap stocks. However, it may limit growth opportunities. To capture potential gains from smaller, more dynamic companies, consider increasing exposure to mid and small-cap stocks, which could enhance growth prospects and provide a more balanced risk-return profile.

Posiciones redundantes Info

  • iShares Core S&P 500 ETF
    SPDR® Portfolio S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    Invesco S&P 500® Quality ETF
    Alta correlación
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    VANGUARD EMERGING MARKETS STOCK INDEX FUND INVESTOR SHARES
    Alta correlación

The portfolio contains highly correlated groups, particularly among U.S. large-cap ETFs. This correlation suggests that these assets may move together, limiting diversification benefits during market downturns. To enhance diversification, consider replacing some of these assets with less correlated options, such as international equities or alternative investments. This could reduce the overall risk and improve the portfolio's ability to withstand market volatility, leading to more stable long-term returns.

Dividendos Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3,40%
  • iShares Core S&P 500 ETF 1,40%
  • Schwab U.S. Large-Cap Growth ETF 0,50%
  • Invesco S&P 500® Quality ETF 0,60%
  • SPDR® Portfolio S&P 500 ETF 1,40%
  • Invesco S&P 500® Momentum ETF 0,60%
  • Vanguard Small-Cap Index Fund ETF Shares 1,20%
  • VANGUARD EMERGING MARKETS STOCK INDEX FUND INVESTOR SHARES 0,60%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 3,30%
  • Rendimiento ponderado (por año) 1,26%

The portfolio's total dividend yield is 1.26%, with bonds contributing significantly to this yield. While dividends provide a steady income stream, the yield is relatively low compared to income-focused portfolios. For those seeking higher income, consider increasing exposure to high-dividend stocks or dividend-focused ETFs. This adjustment could enhance cash flow, providing more consistent returns, especially during periods of market volatility or economic uncertainty.

Costes actuales del producto Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0,03%
  • iShares Core S&P 500 ETF 0,03%
  • Schwab U.S. Large-Cap Growth ETF 0,04%
  • Invesco S&P 500® Quality ETF 0,15%
  • SPDR® Portfolio S&P 500 ETF 0,02%
  • Invesco S&P 500® Momentum ETF 0,13%
  • Vanguard Small-Cap Index Fund ETF Shares 0,05%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0,08%
  • Costes totales ponderados (por año) 0,05%

The portfolio's total expense ratio (TER) is impressively low at 0.05%, indicating cost efficiency. Low costs are crucial for long-term growth, as they minimize the drag on returns. Compared to industry averages, this TER is favorable, supporting better compounding over time. To maintain cost efficiency, regularly review and compare expense ratios of current holdings with similar options. This vigilance ensures that the portfolio remains cost-effective, maximizing net returns and enhancing overall performance.

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 be optimized using the Efficient Frontier, focusing on the best risk-return ratio. This involves adjusting the current asset allocation to achieve maximum returns for a given risk level. However, it's important to note that this optimization is based solely on existing assets, not introducing new ones. Regularly reassess the portfolio's efficiency, considering changes in market conditions and personal risk tolerance, to ensure it remains aligned with investment objectives and provides optimal performance.

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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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