Balanced portfolio with solid growth potential but limited geographic diversification

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 balanced growth with moderate risk tolerance and a long-term horizon. It prioritizes steady returns through a focus on U.S. equities, making it ideal for individuals looking to build wealth over time. The emphasis on dividends provides a reliable income stream, which is beneficial for those nearing retirement or seeking passive income. However, the investor should be comfortable with potential market volatility due to the high equity exposure.

Posiciones

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    45,00%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    35,00%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    10,00%
  • Vanguard Information Technology Index Fund ETF Shares
    VGT - US92204A7028
    10,00%

The portfolio is heavily weighted towards ETFs, with a significant 45% allocation to the Vanguard S&P 500 ETF. This allocation is typical for balanced portfolios, providing broad exposure to the U.S. market. However, the high concentration in a single asset type suggests limited diversification, which could expose the portfolio to sector-specific risks. To align more closely with diversified benchmarks, consider incorporating a mix of asset classes, such as bonds or international equities, to enhance stability and reduce risk.

Crecimiento Info

Historically, the portfolio has performed well, achieving a compound annual growth rate (CAGR) of 14.58%. This indicates strong historical returns, likely driven by the robust performance of U.S. equities. However, past performance is not a guarantee of future results. Comparing this to a benchmark like the S&P 500, which has a similar composition, the portfolio's performance is commendable. To maintain strong returns, it’s important to periodically review and adjust allocations based on market conditions.

Proyección Info

The forward projection using Monte Carlo simulations suggests a promising outlook, with a median growth of 696.75% and a high probability of positive returns. Monte Carlo analysis uses historical data to estimate potential future outcomes, providing a range of possibilities. While these projections are optimistic, they rely on past data and cannot predict future market conditions with certainty. Regularly reviewing projections and adjusting for changing economic climates can help in maintaining a robust strategy.

Clases de activos Info

  • Acciones
    100%
  • Efectivo
    0%

The portfolio is almost entirely composed of stocks, with a minor cash position. This high equity exposure can lead to significant growth potential but also increases vulnerability to market volatility. A more balanced allocation across asset classes, including fixed income or alternative investments, could provide a buffer against downturns. This alignment would improve the portfolio's resilience and align it more closely with diversified benchmarks, which typically include multiple asset classes.

Sectores Info

  • Tecnología
    33%
  • Finanzas
    14%
  • Salud
    11%
  • Consumo Cíclico
    10%
  • Industria
    8%
  • Bienes de cons. perecederos
    7%
  • Telecomunicaciones
    7%
  • Energía
    6%
  • Materiales básicos
    2%
  • Servicios públicos
    1%
  • Bienes Raices
    1%

Sector allocation is heavily skewed towards technology, which comprises over 33% of the portfolio. While tech has been a strong performer, such concentration can lead to increased volatility, especially during market corrections or interest rate hikes. To mitigate sector-specific risks, consider diversifying into underrepresented sectors like utilities or real estate, which could provide more stability during economic fluctuations. This adjustment could enhance the portfolio's resilience against sector-specific downturns.

Regiones Info

  • Norteamérica
    99%
  • Europa
    1%
  • Asia
    0%
  • Latino América
    0%
  • Africa y Media Oriente
    0%

The portfolio has a strong focus on North America, with over 99% exposure. This lack of geographic diversification can increase vulnerability to regional economic downturns or policy changes. To mitigate this risk, consider increasing exposure to international markets, which could provide a more balanced global perspective. This could be achieved by incorporating ETFs that track emerging markets or developed economies outside North America, aligning more closely with global benchmarks.

Posiciones redundantes Info

  • Vanguard Information Technology Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    Alta correlación

The portfolio contains highly correlated assets, particularly among the ETFs focused on large-cap growth and technology. High correlation means these assets tend to move in the same direction, reducing diversification benefits. In market downturns, this can lead to increased risk. To enhance diversification, consider reallocating some investments into less correlated assets, such as bonds or international equities, which may not react similarly to market changes, thereby improving overall portfolio stability.

Dividendos Info

  • Schwab U.S. Dividend Equity ETF 3,60%
  • Schwab U.S. Large-Cap Growth ETF 0,40%
  • Vanguard Information Technology Index Fund ETF Shares 0,60%
  • Vanguard S&P 500 ETF 1,20%
  • Rendimiento ponderado (por año) 1,90%

The portfolio has a moderate dividend yield of 1.9%, primarily driven by the Schwab U.S. Dividend Equity ETF. Dividend income can provide a stable cash flow, beneficial for reinvestment or income during retirement. For those seeking higher income, consider increasing holdings in dividend-focused assets. However, balancing growth and income is crucial, as high-yield assets may not offer the same growth potential as lower-yielding, growth-oriented investments.

Costes actuales del producto Info

  • Schwab U.S. Dividend Equity ETF 0,06%
  • Schwab U.S. Large-Cap Growth ETF 0,04%
  • Vanguard Information Technology Index Fund ETF Shares 0,10%
  • Vanguard S&P 500 ETF 0,03%
  • Costes totales ponderados (por año) 0,05%

The portfolio benefits from impressively low costs, with a total expense ratio (TER) of 0.05%. Low costs are advantageous as they enhance net returns over time, particularly in long-term investment horizons. Maintaining a focus on cost-effective investments is crucial for optimizing returns. However, ensure that low costs do not compromise diversification or quality. Periodically reviewing available ETFs for lower-cost alternatives can further improve cost efficiency.

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, which helps achieve the best possible risk-return balance. The current asset mix can be adjusted to enhance efficiency, focusing on reducing correlations and increasing diversification. This involves reallocating assets to achieve a more balanced risk profile, which could lead to better returns without increasing risk. Remember, optimization relies on current assets, and any changes should consider long-term goals and risk tolerance.

¿Y ahora qué?

¿Listo para invertir en este portafolio?

Elige un bróker que se adapte a ti y fíjate en las comisiones bajas para maximizar tus ganancias.

Elegir bróker

¿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.