Balanced Portfolio with Broad Diversification and High Correlation in US-Centric Holdings

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

Suitable for a balanced investor seeking growth with moderate risk tolerance. This investor values diversification and aims for long-term capital appreciation. They are comfortable with market volatility and have a medium to long-term investment horizon. The focus is on achieving a blend of domestic and international exposure, with a slight tilt towards growth sectors. This investor prioritizes low costs and is open to exploring additional asset classes to enhance portfolio stability and income generation, aligning with a prudent and strategic investment approach.

Posiciones

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    55,00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    33,00%
  • Vanguard Growth Index Fund ETF Shares
    VUG - US9229087369
    12,00%

The portfolio consists of three primary ETFs, with a significant portion allocated to the Vanguard S&P 500 ETF at 55%. This allocation reflects a strong focus on the US market. The Vanguard Total International Stock Index Fund ETF Shares at 33% provides international exposure, while the Vanguard Growth Index Fund ETF Shares at 12% targets growth stocks. The composition is broadly diversified across sectors, with a strong tilt towards technology. This allocation indicates a preference for growth and stability, balancing US and international equities to mitigate risk while seeking returns.

Crecimiento Info

Historically, the portfolio has shown a commendable compound annual growth rate (CAGR) of 11.7%, suggesting robust performance over time. However, the maximum drawdown of -33.49% highlights the potential for significant losses during market downturns. The concentration of returns in just 28 days indicates volatility, with a few days driving most gains. This performance suggests a balanced risk-return profile, where the portfolio has benefitted from market upswings but is also susceptible to downturns. A long-term horizon could help smoothen out the volatility and achieve desired returns.

Proyección Info

Using Monte Carlo simulations, which model potential future outcomes by accounting for risk and uncertainty, the portfolio shows promising prospects. With a hypothetical initial investment, the 5th percentile projects a 43.83% increase, while the median scenario anticipates a 364.18% growth. Notably, 983 out of 1,000 simulations yield positive returns, indicating a high likelihood of favorable outcomes. This suggests that the portfolio, while balanced, could benefit from a long-term investment strategy to harness potential growth while managing risk.

Clases de activos

  • Acciones
    99%
  • Efectivo
    1%
  • Otros
    0%
  • Sin datos
    0%

The portfolio is heavily weighted in stocks, with 99.44% allocated to equities, reflecting a high-risk, high-reward strategy. The minimal allocation to cash and other assets suggests limited liquidity and diversification across asset classes. This equity-centric approach aligns with a growth-oriented investment strategy, seeking capital appreciation rather than income generation. To enhance risk management, consider diversifying into additional asset classes like bonds or real estate, which could provide stability and income, reducing overall portfolio volatility.

Sectores

  • Tecnología
    28%
  • Finanzas
    15%
  • Consumo Cíclico
    11%
  • Salud
    10%
  • Industria
    10%
  • Telecomunicaciones
    8%
  • Bienes de cons. perecederos
    6%
  • Materiales básicos
    4%
  • Energía
    4%
  • Servicios públicos
    3%
  • Bienes Raices
    2%

Sector allocation is diverse, with a notable emphasis on technology at 28.42%, followed by financial services and consumer cyclicals. This allocation suggests a focus on sectors with growth potential and resilience. However, the concentration in technology could lead to sector-specific risks, particularly during market corrections. While the diversification across 11 sectors is commendable, maintaining a balanced exposure to defensive sectors like healthcare and consumer staples could help cushion the impact of economic downturns and provide more consistent returns.

Regiones

  • Norteamérica
    69%
  • Europa
    13%
  • Asia Emergente
    5%
  • Japón
    5%
  • Asia
    3%
  • Asia-Pacífico
    2%
  • Africa y Media Oriente
    1%
  • Latino América
    1%
  • Europa Emergente
    0%

Geographically, the portfolio is predominantly North American, with 69.23% exposure, indicating a strong home bias. While this aligns with the investor's US domicile, it limits exposure to other potentially lucrative markets. The inclusion of Europe, Asia, and emerging markets provides some diversification but remains limited. To capitalize on global growth opportunities and reduce regional risk, consider increasing allocations to underrepresented regions. A more balanced geographic distribution could enhance returns and mitigate the impact of localized economic challenges.

Posiciones redundantes

  • Vanguard Growth Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Alta correlación

The portfolio exhibits high correlation between the Vanguard Growth Index Fund ETF Shares and the Vanguard S&P 500 ETF, suggesting overlapping exposure to US growth stocks. This correlation can amplify portfolio volatility, as both assets are likely to react similarly to market movements. To mitigate this risk, consider diversifying into assets with lower correlation, which can provide more stable returns by offsetting losses in one area with gains in another. This approach can enhance the portfolio's resilience to market fluctuations.

Dividendos

  • Vanguard S&P 500 ETF 1,20%
  • Vanguard Growth Index Fund ETF Shares 0,50%
  • Vanguard Total International Stock Index Fund ETF Shares 3,00%
  • Rendimiento ponderado (por año) 1,71%

The portfolio's dividend yield stands at 1.71%, with the Vanguard Total International Stock Index Fund ETF Shares contributing the highest yield at 3.0%. This yield offers a modest income stream, supplementing capital gains. While the focus is on growth, incorporating higher-yielding assets could enhance income generation, providing a buffer during market downturns. Balancing growth and income can create a more robust portfolio, catering to both capital appreciation and cash flow needs, particularly for investors seeking regular income.

Costes actuales del producto

  • Vanguard S&P 500 ETF 0,03%
  • Vanguard Growth Index Fund ETF Shares 0,04%
  • Vanguard Total International Stock Index Fund ETF Shares 0,08%
  • Costes totales ponderados (por año) 0,05%

The portfolio maintains a low total expense ratio (TER) of 0.05%, reflecting cost-efficient management. This low-cost structure is advantageous, as it minimizes fee-related drag on returns, allowing more capital to compound over time. Keeping costs low is crucial for maximizing net returns, particularly in long-term investment strategies. While the current cost structure is commendable, continually monitoring and comparing expense ratios across similar products can ensure ongoing cost efficiency, thereby enhancing overall portfolio 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's optimization potential is limited due to high correlations between assets, particularly in US equities. Instead of optimizing, focus on diversification to reduce risk exposure and enhance returns. Moving along the efficient frontier can help achieve a more conservative or riskier portfolio by adjusting the balance between growth and defensive assets. Consider incorporating more diverse asset classes and geographic regions to improve risk management. This approach can create a more resilient portfolio, capable of weathering market fluctuations and achieving desired investment outcomes.

¿Y ahora qué?

¿Crear informe de portafolio?

Crear informe

¡Únete a nuestra comunidad!

Únete a Discord

La información proporcionada en esta plataforma es solo para fines informativos y no debe considerarse como asesoramiento financiero o de inversión. Insightfolio no ofrece asesoramiento financiero, recomendaciones personalizadas ni orientación sobre la compra, tenencia o venta de activos financieros. Las herramientas y contenidos son únicamente educativos y no están adaptados a las circunstancias, necesidades financieras u objetivos personales.

Insightfolio no asume ninguna responsabilidad por la precisión, integridad o fiabilidad de la información presentada. Es responsabilidad exclusiva de los usuarios verificar la información y tomar decisiones independientes basándose en su propia investigación y consideración. El uso de esta plataforma no reemplaza la consulta con profesionales financieros cualificados.

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.

Insightfolio no respalda ni garantiza la idoneidad de ningún producto financiero, valor o estrategia en particular. Cualquier proyección, pronóstico o escenario hipotético presentado en la plataforma es solo ilustrativo y no constituye una garantía.

Al acceder a los servicios, información o contenido ofrecido por Insightfolio, los usuarios reconocen y aceptan los términos de este aviso legal. Si no estás de acuerdo con estos términos, por favor no uses nuestra plataforma.