A growth-focused portfolio with strong U.S. exposure and a stable dividend yield
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 suits an investor with a growth-oriented mindset and moderate to high risk tolerance. It is ideal for those with a long-term investment horizon, seeking to capitalize on market growth while accepting potential volatility. The focus on U.S. equities, coupled with emerging market exposure, aligns with individuals aiming for significant capital appreciation. Investors comfortable with market fluctuations and willing to stay invested through economic cycles will find this portfolio well-suited to their goals.
Posiciones
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Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60,00% -
Franklin FTSE India ETF
FLIN - US35473P7693 22,50% -
Xtrackers MSCI EAFE Hedged Equity ETF
DBEF - US2330512003 17,50%
The portfolio is heavily weighted towards the Vanguard Total Stock Market Index Fund ETF Shares, comprising 60% of the total. This fund provides broad exposure to the U.S. stock market. The Franklin FTSE India ETF and Xtrackers MSCI EAFE Hedged Equity ETF add international diversification, accounting for 22.5% and 17.5%, respectively. Compared to benchmarks, this allocation leans towards growth with a solid U.S. core. This composition is beneficial for capturing U.S. market growth while diversifying internationally. To enhance diversification, consider adding other asset classes, such as bonds, to balance risk during downturns.
Crecimiento
Historically, the portfolio has delivered a strong Compound Annual Growth Rate (CAGR) of 13.21%, outperforming many market averages. However, the maximum drawdown of -34.86% indicates significant volatility during downturns. This performance is typical for a growth-oriented portfolio, which can yield high returns but also faces substantial risks. To mitigate potential losses, consider incorporating assets with lower volatility or defensive characteristics, which can stabilize returns during market corrections.
Proyección
Forward projections using Monte Carlo simulations, which estimate future outcomes based on historical data, suggest an annualized return of 12.55%. The median outcome indicates a potential portfolio growth of 315.7%. While these projections are promising, it's important to remember that they rely on past data and assumptions. Real-world results can vary due to unforeseen economic or market conditions. Regularly reviewing and adjusting the portfolio in response to market changes can help align it with evolving financial goals and risk tolerance.
Clases de activos
- Acciones 100%
- Efectivo 0%
- Otros 0%
- Sin datos 0%
The portfolio is entirely composed of stocks, which aligns with a growth strategy but increases vulnerability to equity market volatility. While this concentration can maximize returns during bullish markets, it may lead to larger losses in downturns. Diversifying across asset classes, such as including bonds or real estate, can provide stability and reduce overall portfolio risk. This balanced approach can help achieve a more consistent performance over time, especially for investors with moderate risk tolerance.
Sectores
- Tecnología 24%
- Finanzas 18%
- Consumo Cíclico 11%
- Industria 10%
- Salud 10%
- Telecomunicaciones 7%
- Bienes de cons. perecederos 6%
- Energía 5%
- Materiales básicos 4%
- Servicios públicos 3%
- Bienes Raices 2%
The portfolio's sector allocation is tech-heavy, with 24% exposure, followed by financial services and consumer cyclicals. This reflects a growth-oriented approach but may lead to higher volatility, especially if interest rates rise or tech valuations fluctuate. The sector diversity aligns well with global standards, though it may benefit from increased exposure to defensive sectors like healthcare or utilities, which can offer stability during economic downturns. This adjustment can help smooth returns across different market cycles.
Regiones
- Norteamérica 60%
- Asia Emergente 23%
- Europa 12%
- Japón 4%
- Asia-Pacífico 1%
- Asia 1%
- Africa y Media Oriente 0%
- Latino América 0%
- Europa Emergente 0%
The geographic allocation is predominantly North American at 60%, with a notable 23% in emerging Asian markets, particularly India. This balance provides exposure to both mature and high-growth markets. However, the limited allocation to Europe and other regions may restrict diversification benefits. To reduce geographic risk, consider increasing exposure to underrepresented areas like Europe or Latin America. This can help cushion the portfolio against regional economic downturns and capitalize on global growth opportunities.
Capitalización de mercado
- Mega 47%
- Grande 33%
- Mediana 14%
- Pequeña 4%
- Micro 1%
The portfolio's market capitalization is skewed towards mega and large-cap stocks, which together make up 80%. This focus provides stability and liquidity but may limit growth potential compared to smaller-cap stocks. Including more mid- and small-cap stocks can enhance growth prospects, as these companies often have higher growth rates. However, they also come with increased risk. Balancing the portfolio with a mix of market caps can better capture diverse opportunities and mitigate concentration risks.
Dividendos
- Xtrackers MSCI EAFE Hedged Equity ETF 0,50%
- Franklin FTSE India ETF 1,00%
- Vanguard Total Stock Market Index Fund ETF Shares 1,20%
- Rendimiento ponderado (por año) 1,03%
The portfolio's dividend yield stands at 1.03%, with the Vanguard Total Stock Market Index Fund ETF Shares contributing the most. While not the primary focus of a growth portfolio, dividends can provide a steady income stream and enhance total returns. For investors seeking income, consider increasing exposure to high-dividend sectors or funds. However, ensure that the pursuit of dividends does not compromise growth objectives or increase risk beyond acceptable levels.
Costes actuales del producto
- Xtrackers MSCI EAFE Hedged Equity ETF 0,36%
- Franklin FTSE India ETF 0,19%
- Vanguard Total Stock Market Index Fund ETF Shares 0,03%
- Costes totales ponderados (por año) 0,12%
With a Total Expense Ratio (TER) of 0.12%, the portfolio is cost-efficient. Low costs are crucial for maximizing long-term returns, as fees can erode gains over time. The Vanguard fund's minimal expense ratio contributes significantly to this efficiency. Maintaining low costs should remain a priority. Regularly reviewing and comparing fund expenses can help ensure the portfolio remains cost-effective. Consider replacing higher-cost funds with similar, lower-cost alternatives to further enhance returns.
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 concept, which seeks the best possible risk-return ratio for a given set of assets. Currently, the allocation is growth-focused but could benefit from adjustments to improve efficiency. By reallocating within existing assets, the portfolio can potentially achieve higher returns for the same level of risk or maintain returns while reducing risk. Regularly reviewing asset performance and rebalancing can help maintain optimal efficiency.
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