A broadly diversified balanced portfolio with low costs and exposure to global equities
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 broad exposure to global equities, offering potential for significant growth while maintaining diversification. Ideal for individuals looking to build wealth over time, this portfolio benefits from low costs and a focus on both U.S. and international markets.
Posiciones
-
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 70,00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30,00%
The portfolio is composed of two ETFs: the Vanguard Total Stock Market Index Fund ETF, making up 70%, and the Vanguard Total International Stock Index Fund ETF, at 30%. This allocation provides a strong foundation in U.S. equities while incorporating international diversification. Compared to a typical balanced portfolio, this one leans heavily towards equities, which can offer growth but also introduces volatility. To align more closely with a traditional balanced portfolio, consider adding fixed-income assets for stability.
Crecimiento
Historically, the portfolio has delivered a Compound Annual Growth Rate (CAGR) of 11.64%, indicating strong past performance. The max drawdown of -34.61% highlights periods of significant loss, typical in equity-heavy portfolios. These figures suggest a robust growth potential but also underline the risk of substantial short-term volatility. While past performance is no guarantee of future returns, maintaining a long-term investment horizon could help weather market fluctuations.
Proyección
Monte Carlo simulations use historical data to project potential future outcomes, offering insights into possible portfolio performance. With 1,000 simulations, this portfolio shows a median projected return of 238.12%, with a 67th percentile outcome of 358.9%. Such projections highlight the potential for significant growth, but remember, they rely on past data and assumptions. Regularly reviewing and adjusting the portfolio based on changing market conditions and personal goals is essential.
Clases de activos
- Acciones 99%
- Efectivo 1%
- Otros 0%
- Sin datos 0%
The portfolio is heavily weighted towards stocks, with 98.89% in equities and minimal cash or other assets. This concentration in a single asset class can offer high growth potential but also increases risk. For improved risk management, consider diversifying into fixed-income or alternative assets. This could help balance the portfolio, reducing volatility and providing income during market downturns.
Sectores
- Tecnología 26%
- Finanzas 16%
- Consumo Cíclico 11%
- Industria 11%
- Salud 10%
- Telecomunicaciones 8%
- Bienes de cons. perecederos 6%
- Energía 4%
- Materiales básicos 3%
- Bienes Raices 3%
- Servicios públicos 3%
Sector allocation is diverse, with notable weights in Technology (26.36%), Financial Services (15.93%), and Consumer Cyclicals (11.17%). While this sector spread supports diversification, the high concentration in technology could expose the portfolio to volatility, especially during economic shifts or interest rate changes. Reviewing sector weights periodically and adjusting as needed can help maintain balance and mitigate sector-specific risks.
Regiones
- Norteamérica 72%
- Europa 12%
- Asia Emergente 5%
- Japón 5%
- Asia 3%
- Asia-Pacífico 1%
- Africa y Media Oriente 1%
- Latino América 1%
- Europa Emergente 0%
The portfolio's geographic allocation is dominated by North America (72.15%), with smaller exposures to Europe and Asia. This U.S.-centric focus aligns with the Vanguard Total Stock Market Index Fund's composition but may limit benefits from international growth opportunities. Consider increasing exposure to underrepresented regions to enhance diversification and capture potential growth in emerging markets.
Dividendos
- Vanguard Total Stock Market Index Fund ETF Shares 1,30%
- Vanguard Total International Stock Index Fund ETF Shares 3,40%
- Rendimiento ponderado (por año) 1,93%
With a total dividend yield of 1.93%, the portfolio provides a modest income stream. The international ETF contributes a higher yield (3.4%) compared to the U.S. ETF (1.3%). Dividends can offer stability and income, especially during market downturns. For investors seeking higher income, consider increasing allocations to dividend-focused funds or sectors known for reliable payouts.
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) 0,04%
The portfolio's total expense ratio (TER) is impressively low at 0.04%, thanks to the cost-efficient Vanguard ETFs. Low costs are crucial for long-term performance, as they minimize the drag on returns. This efficient cost structure is a significant advantage, supporting better net returns over time. Maintaining this low-cost strategy is advisable, ensuring any new investments or adjustments also prioritize 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's current allocation can be optimized using the Efficient Frontier concept, which seeks the best risk-return ratio. This involves adjusting the weights of existing assets to achieve a more efficient balance. While the portfolio is already well-diversified, exploring optimization could enhance returns without significantly increasing risk. Regular reviews and adjustments based on changing market conditions and personal goals are recommended.
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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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