A broadly diversified portfolio with a cautious risk profile and moderate global exposure

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 an investor with a cautious risk tolerance, focused on steady growth and moderate income. It is ideal for individuals seeking long-term capital appreciation with a globally diversified approach. The portfolio's structure balances equity growth potential with the stability of bonds and gold, catering to those who prioritize risk management. Investors with a long-term horizon who prefer a hands-off approach will find this portfolio aligns well with their investment goals and risk preferences.

Posiciones

  • Lyxor UCITS MSCI All Country World C-EUR
    LYY0 - LU1829220216
    40,00%
  • BNP Paribas Easy Stoxx Europe 600 UCITS ETF EUR C
    ETSZ - FR0011550193
    20,00%
  • Multi Units France - Lyxor MSCI India UCITS ETF
    LYMD - FR0010361683
    10,00%
  • Xtrackers MSCI World Consumer Staples UCITS ETF 1C
    XDWS - IE00BM67HN09
    10,00%
  • Amundi Index Solutions - Amundi S&P 500 UCITS ETF C EUR
    AUM5 - LU1681048804
    5,00%
  • iShares $ Short Duration Corp Bond UCITS ETF USD (Dist)
    IS3J - IE00BCRY5Y77
    5,00%
  • iShares MSCI ACWI UCITS ETF
    IUSQ - IE00B6R52259
    5,00%
  • iShares Physical Gold ETC EUR
    PPFB - IE00B4ND3602
    5,00%

The portfolio is primarily composed of ETFs, with a heavy emphasis on global equities. The largest position is the Lyxor UCITS MSCI All Country World C-EUR, making up 40% of the portfolio, indicating a strong global focus. The remaining assets are distributed among European equities, Indian equities, consumer staples, and short-duration corporate bonds, with a small allocation to physical gold. This composition aligns with a cautious risk profile, balancing growth potential with stability. However, there is a notable concentration in equities, which may expose the portfolio to market volatility.

Crecimiento Info

Historically, the portfolio has performed well, achieving a compound annual growth rate (CAGR) of 9.99%. This performance is impressive given its cautious risk classification, suggesting a well-balanced approach to growth and risk management. The maximum drawdown of -13.17% indicates resilience during market downturns, which is crucial for risk-averse investors. However, it's important to note that past performance does not predict future results, and market conditions can change. Monitoring performance against benchmarks can help ensure the portfolio remains aligned with investment goals.

Proyección Info

Forward projections using Monte Carlo simulations indicate a promising outlook, with an annualized return of 11.19%. Monte Carlo simulations use historical data to estimate a range of potential outcomes, helping investors understand possible future performance. Notably, 998 out of 1,000 simulations resulted in positive returns, highlighting the portfolio's robustness. However, these projections are based on historical trends and assumptions, which may not hold true in the future. Regularly reviewing and adjusting the portfolio based on changing market conditions can help optimize outcomes.

Clases de activos Info

  • Acciones
    90%
  • Otros
    5%
  • Bonos
    5%
  • Efectivo
    0%

The portfolio's asset allocation is heavily skewed towards stocks, which account for nearly 90% of the total assets. This high equity exposure suggests a focus on capital growth, but it may also increase volatility. The remaining allocation includes bonds and other assets, providing some diversification. Compared to common benchmarks, this allocation is aggressive for a cautious profile. Consider increasing exposure to bonds or alternative assets to mitigate risk and smooth out returns, especially during market downturns.

Sectores Info

  • Tecnología
    16%
  • Bienes de cons. perecederos
    15%
  • Finanzas
    15%
  • Industria
    9%
  • Salud
    9%
  • Consumo Cíclico
    9%
  • Telecomunicaciones
    5%
  • Energía
    4%
  • Materiales básicos
    4%
  • Servicios públicos
    3%
  • Bienes Raices
    2%

Sector allocation is well-distributed, with significant exposure to technology, consumer defensive, and financial services. This diversification helps mitigate sector-specific risks and aligns with global market trends. However, the portfolio is slightly tech-heavy, which could lead to higher volatility during periods of interest rate hikes or regulatory changes. Balancing sector weights by considering underrepresented areas such as utilities or real estate could enhance diversification and reduce risk.

Regiones Info

  • Norteamérica
    43%
  • Europa
    28%
  • Asia Emergente
    12%
  • Japón
    3%
  • Asia
    2%
  • Asia-Pacífico
    1%
  • Africa y Media Oriente
    1%
  • Latino América
    0%
  • Europa Emergente
    0%

Geographic exposure is concentrated in North America and Europe, which together account for over 70% of the portfolio. This aligns with global benchmarks but may limit exposure to emerging markets, which can offer higher growth potential. The portfolio's limited allocation to regions like Asia and Latin America suggests a conservative approach to geographic diversification. Exploring opportunities in underrepresented regions could enhance growth prospects and reduce reliance on developed markets.

Posiciones redundantes Info

  • Amundi Index Solutions - Amundi S&P 500 UCITS ETF C EUR
    iShares MSCI ACWI UCITS ETF
    Lyxor UCITS MSCI All Country World C-EUR
    Alta correlación

The portfolio includes several highly correlated assets, such as the Amundi S&P 500 UCITS ETF and iShares MSCI ACWI UCITS ETF. High correlation means these assets tend to move together, which can reduce diversification benefits. During market downturns, correlated assets may not provide the desired risk mitigation. Consider replacing some overlapping assets with those that have lower correlation to improve diversification and potentially enhance returns while maintaining the current risk level.

Costes actuales del producto Info

  • Amundi Index Solutions - Amundi S&P 500 UCITS ETF C EUR 0,15%
  • BNP Paribas Easy Stoxx Europe 600 UCITS ETF EUR C 0,18%
  • iShares $ Short Duration Corp Bond UCITS ETF USD (Dist) 0,20%
  • iShares MSCI ACWI UCITS ETF 0,20%
  • Multi Units France - Lyxor MSCI India UCITS ETF 0,85%
  • Lyxor UCITS MSCI All Country World C-EUR 0,45%
  • Xtrackers MSCI World Consumer Staples UCITS ETF 1C 0,25%
  • Costes totales ponderados (por año) 0,35%

The portfolio's total expense ratio (TER) is 0.35%, which is relatively low and supports better long-term performance by minimizing costs. Lower costs mean more of the portfolio's returns are retained by the investor, enhancing compounding effects over time. The highest TER is associated with the Lyxor MSCI India UCITS ETF at 0.85%. Consider evaluating whether lower-cost alternatives could achieve similar exposure without sacrificing performance. Regularly reviewing and optimizing costs is a key strategy for maximizing 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 benefit from optimization using the Efficient Frontier, which aims to achieve the best possible risk-return ratio with the current assets. The optimal portfolio has an expected return of 14.06%, significantly higher than the current expected return. By adjusting asset allocations, particularly addressing highly correlated assets, the portfolio can improve its efficiency. It's important to note that optimization focuses on the current asset set and allocation changes, not necessarily diversification or other goals.

¿Y ahora qué?

¿Crear informe de portafolio?

Crear informe

¡Únete a nuestra comunidad!

Únete a Discord

La información proporcionada en esta plataforma es solo para fines informativos y no debe considerarse como asesoramiento financiero o de inversión. Insightfolio no ofrece asesoramiento financiero, recomendaciones personalizadas ni orientación sobre la compra, tenencia o venta de activos financieros. Las herramientas y contenidos son únicamente educativos y no están adaptados a las circunstancias, necesidades financieras u objetivos personales.

Insightfolio no asume ninguna responsabilidad por la precisión, integridad o fiabilidad de la información presentada. Es responsabilidad exclusiva de los usuarios verificar la información y tomar decisiones independientes basándose en su propia investigación y consideración. El uso de esta plataforma no reemplaza la consulta con profesionales financieros cualificados.

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.

Insightfolio no respalda ni garantiza la idoneidad de ningún producto financiero, valor o estrategia en particular. Cualquier proyección, pronóstico o escenario hipotético presentado en la plataforma es solo ilustrativo y no constituye una garantía.

Al acceder a los servicios, información o contenido ofrecido por Insightfolio, los usuarios reconocen y aceptan los términos de este aviso legal. Si no estás de acuerdo con estos términos, por favor no uses nuestra plataforma.