A balanced portfolio with a strong focus on U.S. stocks and technology 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 moderate growth and willing to accept some volatility. Ideal for those with a medium to long-term investment horizon, it focuses on U.S. equities and tech sectors, offering potential for capital appreciation. It's well-suited for individuals looking to balance growth with diversification.

Posiciones

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    55,00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    25,00%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    10,00%
  • Fidelity® MSCI Information Technology Index ETF
    FTEC - US3160928087
    5,00%
  • Vanguard Total World Stock Index Fund ETF Shares
    VT - US9220427424
    5,00%

The portfolio is composed of five ETFs with a heavy emphasis on U.S. equities, making up 55% of the allocation. International exposure is 25%, and technology-focused funds account for an additional 15%. This structure provides broad diversification but leans heavily toward the U.S. and tech sectors. Comparatively, a benchmark might have a more balanced global allocation. To enhance diversification, consider increasing exposure to underrepresented regions or sectors.

Crecimiento Info

Historically, this portfolio has performed well, with a Compound Annual Growth Rate (CAGR) of 11.45%. This indicates strong growth, but it's important to note the maximum drawdown of -27.33%, which highlights potential volatility. Compared to benchmarks, this performance is commendable, yet investors should be prepared for similar fluctuations in the future. To mitigate risk, consider adding more stable assets that may reduce drawdowns.

Proyección Info

The Monte Carlo simulation, which uses historical data to project future outcomes, suggests a median return of 315.5% over the investment horizon. This indicates potential for substantial growth, but the 5th percentile projection of 31.1% underscores the inherent uncertainty. While simulations can guide expectations, they are not guarantees. Diversifying further could help in managing the range of possible outcomes.

Clases de activos Info

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

The portfolio is heavily weighted toward stocks at 99%, with minimal cash holdings. While this can drive growth, it also increases exposure to market volatility. A more balanced allocation might include bonds or other asset classes to cushion against market downturns. This would align better with typical benchmarks that often include a mix of equities and fixed income.

Sectores Info

  • Tecnología
    31%
  • Finanzas
    14%
  • Consumo Cíclico
    11%
  • Industria
    9%
  • Salud
    9%
  • Telecomunicaciones
    8%
  • Bienes de cons. perecederos
    5%
  • Energía
    3%
  • Materiales básicos
    3%
  • Bienes Raices
    2%
  • Servicios públicos
    2%

Technology dominates the sector allocation at 31%, significantly higher than typical benchmarks. While tech can offer high returns, it also brings higher volatility, especially during periods of interest rate changes. Diversifying into other sectors like healthcare or energy could reduce risk and provide more stability. This would better align with a balanced sector distribution.

Regiones Info

  • Norteamérica
    75%
  • Europa
    11%
  • Asia Emergente
    4%
  • Japón
    4%
  • Asia
    3%
  • Asia-Pacífico
    1%
  • Africa y Media Oriente
    1%
  • Latino América
    1%
  • Europa Emergente
    0%

The portfolio's geographic allocation is heavily skewed towards North America at 75%, with limited exposure to emerging markets. This concentration could limit growth opportunities in other regions. Diversifying geographically to include more emerging markets or underrepresented areas could enhance returns and reduce regional risk, aligning more closely with global benchmarks.

Capitalización de mercado Info

  • Mega
    44%
  • Grande
    31%
  • Mediana
    18%
  • Pequeña
    5%
  • Micro
    1%

The portfolio favors large-cap stocks, with mega and big caps comprising 75%. While these provide stability, the limited exposure to mid and small caps may restrict growth potential. Including more mid and small-cap stocks could offer higher growth opportunities and better diversification, aligning with benchmarks that typically have a broader market cap distribution.

Posiciones redundantes Info

  • Fidelity® MSCI Information Technology Index ETF
    Invesco NASDAQ 100 ETF
    Alta correlación
  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    Alta correlación

The portfolio contains highly correlated assets, particularly within tech-focused ETFs. This correlation can limit diversification benefits, as these assets tend to move together, especially during market downturns. Reducing exposure to overlapping assets can enhance diversification and mitigate risk, creating a more resilient portfolio.

Dividendos Info

  • Fidelity® MSCI Information Technology Index ETF 0,40%
  • Invesco NASDAQ 100 ETF 0,60%
  • Vanguard Total World Stock Index Fund ETF Shares 1,60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1,40%
  • Vanguard Total International Stock Index Fund ETF Shares 2,80%
  • Rendimiento ponderado (por año) 1,63%

The portfolio's dividend yield is 1.63%, with the Vanguard Total International Stock Index Fund ETF offering the highest yield at 2.80%. Dividends can provide steady income and reduce reliance on capital gains. For investors seeking income, increasing allocation to higher-yielding assets could be beneficial. This would also align with income-focused benchmarks.

Costes actuales del producto Info

  • Fidelity® MSCI Information Technology Index ETF 0,08%
  • Invesco NASDAQ 100 ETF 0,15%
  • Vanguard Total World Stock Index Fund ETF Shares 0,07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0,03%
  • Vanguard Total International Stock Index Fund ETF Shares 0,05%
  • Costes totales ponderados (por año) 0,05%

The portfolio's total expense ratio (TER) is impressively low at 0.05%, which is a positive aspect for long-term performance. Lower costs mean more of your returns are retained, which can significantly impact growth over time. This cost efficiency aligns well with best practices and contributes to the portfolio's overall effectiveness.

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 asset mix suggests potential for optimization through the Efficient Frontier, which identifies the best risk-return ratio. However, addressing the high correlation among certain ETFs should be a priority before optimizing. This will ensure that the efficiency gains are not offset by unnecessary risks tied to overlapping assets.

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