A cautious portfolio with significant exposure to the US market and moderate diversification
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 cautelosos
This portfolio suits a cautious investor seeking moderate growth with a focus on capital preservation. With a lower risk tolerance, the investor prioritizes stability over aggressive returns, preferring a balanced approach. The investment horizon is likely long-term, aiming to build wealth steadily while minimizing exposure to market volatility. This strategy aligns with a cautious risk profile, emphasizing diversification and cost efficiency to achieve consistent, sustainable growth.
Posiciones
-
SPDR S&P 500 ETF Trust
SPY - US78462F1030 63,25% -
AGFiQ U.S. Market Neutral Anti-Beta Fund
BTAL - US00110G4082 21,50% -
Invesco DB US Dollar Index Bullish Fund
UUP - US46141D2036 15,25%
The portfolio is heavily weighted towards the SPDR S&P 500 ETF Trust, making up over 63% of the total allocation. This indicates a strong focus on large-cap US equities, providing exposure to a broad range of industries within the US economy. The AGFiQ U.S. Market Neutral Anti-Beta Fund accounts for 21.5%, offering a hedge against market volatility, while the Invesco DB US Dollar Index Bullish Fund at 15.25% provides currency exposure. Compared to typical diversified portfolios, this structure is more concentrated, which may limit diversification benefits. Consider diversifying further to mitigate sector-specific risks.
Crecimiento
Historically, the portfolio has performed well, with a Compound Annual Growth Rate (CAGR) of 10.29%. This indicates strong growth over time, outperforming many conservative investment strategies. The maximum drawdown of -22.69% suggests vulnerability to market downturns, though it remains within acceptable limits for cautious investors. Benchmarking against broader indices, the portfolio aligns well with historical market performance. While past performance is not indicative of future results, maintaining a diversified and balanced approach could help sustain returns.
Proyección
The Monte Carlo simulation, which uses historical data to project future outcomes, suggests an annualized return of 6.99%. This method provides a range of potential future portfolio values, with the 50th percentile showing a 135.24% increase. However, the 5th percentile indicates a potential -8.25% loss, highlighting risks in adverse conditions. While simulations offer insights, they rely on past data and cannot predict future market movements with certainty. Regularly reviewing and adjusting the portfolio based on changing market conditions is advisable.
Clases de activos
- Acciones 63%
- Efectivo 34%
- Bonos 2%
The portfolio primarily consists of stocks at 63.4%, with cash and bond allocations significantly lower. This equity-heavy allocation aligns with a growth-oriented strategy but may expose the portfolio to higher volatility. Compared to typical benchmarks, there's a noticeable underweight in bonds, which could offer stability and income. Given the cautious risk profile, increasing bond exposure might enhance stability and reduce volatility, balancing growth potential with risk management.
Sectores
- Tecnología 25%
- Finanzas 12%
- Consumo Cíclico 10%
- Salud 9%
- Industria 8%
- Telecomunicaciones 7%
- Bienes de cons. perecederos 5%
- Energía 3%
- Bienes Raices 3%
- Servicios públicos 3%
- Materiales básicos 2%
Sector allocation is concentrated in technology, which represents 25% of the portfolio. This can lead to higher returns during tech booms but also increased risk during downturns in the sector. Other sectors like financial services, consumer cyclicals, and healthcare have moderate representation, providing some diversification. However, the limited exposure to sectors like utilities and basic materials may miss out on defensive benefits. Reassessing sector weights to balance growth and defensive sectors could enhance portfolio resilience.
Regiones
- Norteamérica 84%
- Europa 1%
- Asia 0%
The portfolio's geographic allocation is heavily skewed towards North America, with over 83% exposure. This concentration may limit diversification benefits and expose the portfolio to regional economic risks. Minimal exposure to Europe and Asia Developed suggests a potential opportunity to diversify geographically. Expanding into international markets could reduce regional risk and take advantage of global growth opportunities, aligning with a cautious investment approach.
Dividendos
- SPDR S&P 500 ETF Trust 0,80%
- Rendimiento ponderado (por año) 0,51%
The portfolio's dividend yield stands at 0.51%, with the SPDR S&P 500 ETF Trust contributing 0.8%. This yield is modest and may not significantly impact total returns but provides a steady income stream. For cautious investors, dividends can offer stability and potential reinvestment opportunities. Evaluating higher-yielding investments could boost income without compromising growth, aligning with long-term wealth-building goals.
Costes actuales del producto
- AGFiQ U.S. Market Neutral Anti-Beta Fund 1,43%
- SPDR S&P 500 ETF Trust 0,10%
- Invesco DB US Dollar Index Bullish Fund 0,75%
- Costes totales ponderados (por año) 0,49%
With a Total Expense Ratio (TER) of 0.49%, the portfolio's costs are relatively low, supporting better long-term returns. The AGFiQ U.S. Market Neutral Anti-Beta Fund has the highest cost at 1.43%, which could impact net returns. Reducing high-fee assets or replacing them with lower-cost alternatives can enhance overall performance. Maintaining a focus on cost efficiency is crucial for maximizing returns, especially for cautious investors prioritizing capital preservation.
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 can be optimized along the Efficient Frontier, which seeks the best possible risk-return ratio for the given assets. This involves reallocating existing assets to achieve a more balanced risk and return profile. While this optimization focuses on current holdings, it doesn't necessarily enhance diversification. Regularly reviewing asset weights and considering new investments can further improve efficiency and align with evolving market conditions.
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