A balanced portfolio with global diversification and low-cost ETFs
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 while maintaining exposure to global equities, making it ideal for individuals looking to build wealth over time. The focus on low-cost ETFs supports efficient growth, while the broad diversification mitigates risk. Investors comfortable with equity exposure and market fluctuations will find this portfolio aligns well with their objectives. It's particularly suitable for those who value simplicity and cost-effectiveness.
Posiciones
-
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 65,00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 35,00%
The portfolio is composed of two ETFs: Vanguard Total Stock Market Index Fund ETF Shares (65%) and Vanguard Total International Stock Index Fund ETF Shares (35%). This structure provides broad exposure to both U.S. and international equities, aligning well with a balanced investment strategy. Compared to a typical benchmark, this portfolio offers a substantial allocation to global equities, enhancing diversification. Holding these two ETFs simplifies management and keeps costs low. Consider whether this allocation aligns with your long-term goals and risk tolerance, as it leans heavily on equity exposure.
Crecimiento
Historically, this portfolio has achieved a CAGR of 10.92%, which is quite impressive. A hypothetical initial investment would have grown significantly over time, demonstrating strong past performance. However, it faced a maximum drawdown of -34.55%, highlighting potential volatility during market downturns. Compared to benchmarks, this performance is competitive, indicating a well-constructed portfolio. Remember, past performance does not guarantee future results. It's crucial to assess whether you're comfortable with the level of risk associated with such drawdowns.
Proyección
Forward projections using a Monte Carlo simulation suggest a median growth of 234.6%, with 966 out of 1,000 simulations showing positive returns. This simulation uses historical data to estimate potential outcomes, but it's important to note that it doesn't predict the future. The 10.26% annualized return across simulations offers a reasonable expectation for growth, although actual results may vary. Consider whether this aligns with your financial goals and risk appetite, as simulations are based on past data and market conditions can change.
Clases de activos
- Acciones 99%
- Efectivo 1%
- Otros 0%
- Sin datos 0%
The portfolio's allocation is heavily weighted towards stocks (99%), with a minimal cash position (1%). This stock-centric approach provides substantial growth potential but also increases risk, especially during market downturns. Compared to a diversified benchmark, this allocation is more aggressive. While stocks offer higher returns over the long term, having a small allocation to bonds or other asset classes could reduce volatility. Evaluate whether this level of risk suits your investment horizon and financial objectives.
Sectores
- Tecnología 26%
- Finanzas 16%
- Consumo Cíclico 11%
- Industria 11%
- Salud 10%
- Telecomunicaciones 8%
- Bienes de cons. perecederos 6%
- Energía 4%
- Materiales básicos 4%
- Bienes Raices 3%
- Servicios públicos 3%
Sector allocation reveals a significant concentration in technology (26%) and financial services (16%). This aligns with common benchmarks, providing exposure to key growth areas. However, it may also increase volatility, especially if these sectors face challenges. The portfolio's sector diversification is commendable, covering various industries. Consider if this sector balance aligns with your risk tolerance and market outlook. If concerned about sector-specific risks, you might explore rebalancing options to achieve a more balanced sector exposure.
Regiones
- Norteamérica 68%
- Europa 13%
- Asia Emergente 6%
- Japón 6%
- Asia 4%
- Asia-Pacífico 2%
- Africa y Media Oriente 1%
- Latino América 1%
- Europa Emergente 0%
Geographic allocation shows a strong emphasis on North America (68%), with notable exposure to Europe and Asia. This mirrors common benchmarks but leans towards the U.S. market. While this has historically been a successful strategy, it may expose the portfolio to regional risks. Increasing exposure to emerging markets could enhance diversification and capture growth opportunities. Assess if this geographic balance aligns with your risk tolerance and investment goals, especially if you seek greater global diversification.
Capitalización de mercado
- Mega 42%
- Grande 31%
- Mediana 19%
- Pequeña 5%
- Micro 2%
The portfolio's market capitalization distribution is well-balanced, with a focus on mega (42%) and big (31%) companies. This aligns with common benchmarks, offering stability and growth potential. Small and micro-cap allocations are present but limited, which may reduce volatility. This composition is ideal for investors seeking steady growth from established companies. Consider whether this distribution aligns with your risk tolerance and investment strategy. If seeking higher growth, you might explore increasing small-cap exposure.
Dividendos
- Vanguard Total Stock Market Index Fund ETF Shares 1,30%
- Vanguard Total International Stock Index Fund ETF Shares 3,20%
- Rendimiento ponderado (por año) 1,96%
The portfolio's dividend yield is 1.96%, with the Vanguard Total International Stock Index Fund ETF Shares offering a higher yield (3.20%) than its U.S. counterpart (1.30%). Dividends contribute to total returns and provide a steady income stream. This yield aligns with a balanced investment strategy, offering both growth and income. Consider whether this dividend level meets your income needs or if higher-yielding investments are necessary. If income is a priority, exploring dividend-focused funds could enhance cash flow.
Costes actuales del producto
- Vanguard Total Stock Market Index Fund ETF Shares 0,03%
- Vanguard Total International Stock Index Fund ETF Shares 0,08%
- Costes totales ponderados (por año) 0,05%
The portfolio's costs are impressively low, with a total expense ratio (TER) of 0.05%. This aligns with best practices, as lower costs improve long-term returns. Compared to typical benchmarks, this TER is highly competitive, supporting efficient growth. Keeping expenses minimal allows more of your investment to compound over time. Consider maintaining this cost discipline when evaluating potential changes to your portfolio. If considering additional investments, prioritize low-cost options to preserve this advantage.
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 is well-positioned on the Efficient Frontier, meaning it offers an optimal risk-return ratio based on current assets. This suggests that the portfolio is already achieving the best possible balance between risk and return given its composition. While this provides confidence in the portfolio's construction, consider whether any changes in your financial situation or goals necessitate adjustments. Remember, optimization is about maximizing returns for a given level of risk, not necessarily diversification.
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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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