A broadly diversified portfolio with balanced risk and high dividend yield potential
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 emphasizes global equity exposure while providing income through dividends. Suitable for individuals aiming to build wealth over time, it balances growth with income generation. The investor is likely comfortable with market fluctuations and seeks to capitalize on global economic trends.
Posiciones
-
Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 80,00% -
JPMorgan Nasdaq Equity Premium Income ETF
JEPQ - US46654Q2030 10,00% -
Berkshire Hathaway Inc
BRK-B - US0846707026 5,00% -
Philip Morris International Inc
PM - US7181721090 5,00%
This portfolio is predominantly composed of stocks, with 80% allocated to the Vanguard Total World Stock Index Fund ETF. It includes two individual stocks, Berkshire Hathaway Inc and Philip Morris International Inc, each making up 5%. The remaining 10% is in the JPMorgan Nasdaq Equity Premium Income ETF. This structure aligns with a balanced profile, focusing on global equity exposure. A comparison to benchmarks reveals a higher concentration in equities, which may increase volatility but also offers growth potential. Consider adjusting allocations if seeking more fixed-income stability.
Crecimiento
The portfolio has demonstrated a strong historical performance with a Compound Annual Growth Rate (CAGR) of 10.41% and a maximum drawdown of -17%. This suggests resilience during market downturns. Compared to benchmarks, this performance is commendable, indicating effective asset selection. However, reliance on past performance should be cautious, as it doesn't guarantee future results. Maintaining a diversified approach can help sustain returns across varying market conditions.
Proyección
Using Monte Carlo simulations, the portfolio's potential future outcomes are projected, considering historical data. With 1,000 simulations, the portfolio shows a median growth of 633.9%, suggesting robust potential. However, the 5th percentile indicates a more conservative growth of 134.7%. While simulations provide insights, they rely on historical trends and assumptions, which may not reflect future market realities. Regularly reviewing allocations in response to market changes can help manage risks.
Clases de activos
- Acciones 97%
- Sin datos 2%
- Efectivo 1%
- Otros 0%
The portfolio is heavily weighted towards equities, with 97% in stocks. This allocation promotes growth but may increase volatility. A comparison to typical balanced portfolios shows a lower allocation to bonds, which could stabilize returns during downturns. Adding fixed-income assets could enhance diversification and reduce risk. Balancing equity exposure with other asset classes can help achieve a more stable risk-return profile.
Sectores
- Tecnología 24%
- Finanzas 19%
- Consumo Cíclico 10%
- Bienes de cons. perecederos 10%
- Industria 9%
- Salud 9%
- Telecomunicaciones 8%
- Energía 3%
- Materiales básicos 3%
- Bienes Raices 2%
- Servicios públicos 2%
Sector allocation is diversified, with significant exposure to technology (24%), financial services (19%), and consumer cyclicals (10%). This aligns with common benchmarks, indicating a well-rounded approach. However, the tech-heavy tilt could lead to higher volatility during interest rate hikes. Monitoring sector trends and adjusting allocations can help mitigate sector-specific risks and align with market opportunities.
Regiones
- Norteamérica 73%
- Europa 12%
- Asia Emergente 5%
- Japón 4%
- Asia 3%
- Asia-Pacífico 1%
- Africa y Media Oriente 1%
- Latino América 1%
- Europa Emergente 0%
The portfolio's geographic exposure is primarily in North America (73%), with limited diversification in emerging markets. This concentration aligns with many U.S.-centric portfolios but may expose the portfolio to regional risks. Increasing exposure to international markets, particularly in emerging economies, could enhance diversification and potentially boost returns. A more balanced geographic allocation can help mitigate regional economic fluctuations.
Capitalización de mercado
- Mega 48%
- Grande 28%
- Mediana 16%
- Pequeña 4%
- Micro 1%
The portfolio is predominantly invested in mega-cap stocks (48%), followed by big-cap (28%) and medium-cap (16%). This allocation provides stability and lower volatility, as larger companies tend to be more resilient. However, it may limit growth potential compared to small-cap investments. Introducing more small-cap stocks could increase growth opportunities, albeit with higher risk. Balancing market cap exposure can optimize growth and stability.
Dividendos
- JPMorgan Nasdaq Equity Premium Income ETF 11,50%
- Philip Morris International Inc 3,30%
- Vanguard Total World Stock Index Fund ETF Shares 2,00%
- Rendimiento ponderado (por año) 2,92%
The portfolio's dividend yield is 2.92%, supported by high-yielding assets like the JPMorgan Nasdaq Equity Premium Income ETF at 11.50%. Dividends contribute to total returns, providing a steady income stream. This feature suits investors seeking income alongside growth. However, focusing solely on dividends may overlook growth opportunities. Balancing dividend and growth-focused investments can optimize returns.
Costes actuales del producto
- JPMorgan Nasdaq Equity Premium Income ETF 0,35%
- Vanguard Total World Stock Index Fund ETF Shares 0,07%
- Costes totales ponderados (por año) 0,09%
The portfolio's total expense ratio (TER) is 0.09%, which is impressively low. This cost efficiency supports better long-term performance by minimizing the drag on returns. Compared to industry averages, these costs are commendable, allowing more of the portfolio's returns to benefit the investor. Maintaining low costs should remain a priority, as it directly enhances net returns over time.
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, potentially achieving a higher expected return of 20.51% with a risk level of 16.24%. This optimization focuses on maximizing returns for a given risk level, not necessarily diversification. Adjusting allocations among current assets can improve the risk-return ratio. Regularly reassessing the portfolio's positioning can help maintain efficiency.
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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.
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