High-Risk Growth Portfolio with Low Diversification and Heavy Tech Sector 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 de crecimiento

This portfolio is suitable for growth-oriented investors comfortable with high risk and volatility. These investors typically have a long investment horizon, allowing them to ride out market fluctuations. They aim for substantial capital appreciation rather than income generation, focusing on equities for potential high returns. Such investors should have a strong risk tolerance, as the portfolio's concentrated nature can lead to significant drawdowns. A willingness to embrace market changes and adapt to evolving economic conditions is essential for managing this type of portfolio.

Posiciones

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    65,00%
  • Vanguard Information Technology Index Fund ETF Shares
    VGT - US92204A7028
    25,00%
  • Vanguard High Dividend Yield Index Fund ETF Shares
    VYM - US9219464065
    10,00%

The portfolio is heavily weighted in Vanguard ETFs, with a significant 65% allocation to the S&P 500 ETF. The Information Technology Index Fund ETF takes up 25%, while the High Dividend Yield Index Fund ETF rounds out the portfolio with 10%. This composition indicates a focus on growth through equity investments, primarily within the U.S. market. The low diversification score suggests a concentrated approach, which could be beneficial in strong bull markets but may expose the portfolio to higher risk during downturns. Consider broadening the allocation to include different asset classes for better balance.

Crecimiento Info

Historically, the portfolio has performed well, with a compound annual growth rate (CAGR) of 15.58%. This impressive return is accompanied by a maximum drawdown of -33.32%, which highlights the volatility and risk associated with the current allocation. The portfolio's returns are concentrated, with just 36 days accounting for 90% of the profits. This indicates a reliance on market timing, which can be unpredictable. To mitigate this risk, consider a more balanced approach that could provide steadier returns over time, potentially reducing the impact of market fluctuations.

Proyección Info

Using a Monte Carlo simulation, which models potential future performance based on historical data, the portfolio shows promising projections. Assuming a hypothetical initial investment, the simulation suggests a median growth of 659.72% and a high likelihood of positive returns in 996 out of 1,000 simulations. However, the high volatility and concentrated asset allocation could lead to significant swings in value. To enhance stability, consider diversifying across more sectors and asset classes, which may help smooth out potential future volatility and provide more consistent growth.

Clases de activos Info

  • Acciones
    100%
  • Efectivo
    0%

The portfolio's asset class allocation is heavily skewed towards stocks, with 99.82% in equities and a negligible 0.18% in cash. This concentration in a single asset class suggests a high-risk profile, aiming for aggressive growth. While equities can offer substantial returns, they also come with increased volatility. To mitigate risk, consider incorporating other asset classes like bonds or real estate, which could provide diversification benefits and potentially reduce overall portfolio volatility, offering a more balanced risk-return profile.

Sectores Info

  • Tecnología
    48%
  • Finanzas
    11%
  • Salud
    8%
  • Consumo Cíclico
    7%
  • Telecomunicaciones
    6%
  • Industria
    6%
  • Bienes de cons. perecederos
    5%
  • Energía
    3%
  • Servicios públicos
    2%
  • Materiales básicos
    1%
  • Bienes Raices
    1%

Sector allocation reveals a significant concentration in technology, which comprises 47.53% of the portfolio. Other sectors like financial services, healthcare, and consumer cyclicals are present but hold smaller weights. This tech-heavy allocation can drive impressive growth during periods of technological advancement but also exposes the portfolio to sector-specific risks. To enhance resilience, consider diversifying into underrepresented sectors. This approach may help cushion the portfolio against downturns in the tech sector and provide a more balanced exposure to various economic cycles.

Regiones Info

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

Geographically, the portfolio is predominantly focused on North America, with 99.21% of assets allocated there. This regional concentration limits exposure to global markets, potentially missing out on opportunities in emerging and developed markets outside the U.S. While a strong North American focus can benefit from local market growth, it also increases vulnerability to regional economic downturns. To reduce geographic risk and capitalize on global growth opportunities, consider diversifying into international markets, which could provide additional growth potential and reduce reliance on a single economic region.

Posiciones redundantes Info

  • Vanguard Information Technology Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Vanguard High Dividend Yield Index Fund ETF Shares
    Alta correlación

The portfolio exhibits high correlation among its assets, with all three ETFs moving in similar directions historically. This lack of diversification among holdings increases systemic risk, as downturns could affect all assets simultaneously. Correlated assets limit the portfolio's ability to hedge against market volatility, potentially leading to larger drawdowns. To improve risk management, consider incorporating assets with lower correlations, which could help offset losses during market downturns and provide a smoother ride through various market conditions.

Dividendos Info

  • Vanguard Information Technology Index Fund ETF Shares 0,60%
  • Vanguard S&P 500 ETF 1,20%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2,70%
  • Rendimiento ponderado (por año) 1,20%

The portfolio's dividend yield stands at 1.2%, with the Vanguard High Dividend Yield Index Fund ETF contributing the highest yield at 2.7%. While dividends provide a steady income stream, the overall yield is relatively modest, given the portfolio's growth focus. Enhancing yield could improve income generation, especially during market downturns when capital gains may be harder to achieve. Consider balancing growth and income by including higher-yielding investments, which could provide a cushion during volatile periods and enhance total returns over time.

Costes actuales del producto Info

  • Vanguard Information Technology Index Fund ETF Shares 0,10%
  • Vanguard S&P 500 ETF 0,03%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0,06%
  • Costes totales ponderados (por año) 0,05%

The portfolio benefits from low costs, with a total expense ratio (TER) of just 0.05%. This efficient cost structure helps maximize net returns, as lower fees mean more of the portfolio's gains are retained. Keeping investment costs low is essential for long-term growth, as fees can significantly erode returns over time. Continue to prioritize low-cost investment options to maintain this advantage. While costs are currently well-managed, always be vigilant about any potential fee increases or changes in the cost structure that could impact 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 currently sits in a high-risk, high-reward zone, with a focus on growth through equities. The efficient frontier suggests an optimal balance between risk and return, but the current allocation leans towards higher risk due to its concentrated nature. To move closer to the efficient frontier, consider diversifying across asset classes and sectors, which can reduce risk without sacrificing potential returns. This approach could help achieve a more optimal portfolio, balancing growth aspirations with risk management for better overall performance.

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