A growth-focused emerging markets ETF portfolio with moderate diversification and risk 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 de crecimiento
This portfolio suits an investor with a high risk tolerance seeking aggressive growth through emerging markets exposure. It is ideal for those with a long-term investment horizon, willing to accept volatility for potential higher returns. The focus on equities and emerging markets aligns with goals of capturing growth in developing regions. Investors should be comfortable with potential market fluctuations and have a strategy to manage risk, such as periodic rebalancing or diversification.
Posiciones
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Schwab Emerging Markets Equity ETF
SCHE - US8085247067 100,00%
The portfolio consists entirely of the Schwab Emerging Markets Equity ETF, representing a concentrated exposure to emerging market equities. This single-asset composition implies limited diversification across asset classes, as it lacks bonds or alternative investments. While it is labeled broadly diversified, this classification pertains to the ETF's internal diversification across various sectors and regions. Compared to a benchmark portfolio with a mix of stocks, bonds, and other assets, this portfolio leans heavily towards equities, which may increase volatility. To enhance diversification, consider incorporating additional asset classes such as bonds or real estate.
Crecimiento
The portfolio's historic performance shows a CAGR of 5.64%, indicating moderate growth over time. Compared to global equity benchmarks, this rate is reasonable but not exceptional. The maximum drawdown of -36.15% highlights significant volatility, typical for emerging markets. Historical performance provides insight into past trends but doesn't guarantee future results. The concentrated nature of the portfolio means it may react strongly to market shifts. To potentially enhance returns, consider diversifying with assets that historically perform well during market downturns.
Proyección
The forward projection uses Monte Carlo simulations to estimate potential future outcomes based on historical data. With 1,000 simulations, the median outcome suggests a 70.9% increase, while the 5th percentile indicates a potential -54.6% loss. This wide range reflects the inherent uncertainty and volatility in emerging markets. Monte Carlo analysis helps gauge risk and return scenarios but is only a model and not a prediction. To manage risk, consider strategies that include a mix of asset classes or geographic diversification to potentially stabilize returns.
Clases de activos
- Acciones 99%
- Efectivo 1%
- Sin datos 0%
- Otros 0%
- Bonos 0%
The portfolio is heavily weighted towards equities, with 99% allocated to stocks and a negligible 1% to cash. This singular focus on equities enhances growth potential but also increases volatility. Compared to a balanced portfolio, this allocation lacks the stabilizing influence of bonds or other asset classes. The absence of bonds means the portfolio may not benefit from the typical risk-reducing characteristics they provide. To potentially smooth returns and reduce risk, consider adding fixed-income assets or other asset classes that offer diversification benefits.
Sectores
- Finanzas 23%
- Tecnología 19%
- Consumo Cíclico 14%
- Telecomunicaciones 10%
- Industria 7%
- Materiales básicos 7%
- Energía 5%
- Bienes de cons. perecederos 5%
- Salud 4%
- Servicios públicos 3%
- Bienes Raices 2%
The portfolio is diversified across 11 sectors, with significant allocations to Financial Services (23%), Technology (19%), and Consumer Cyclicals (14%). This sectoral spread supports diversification within the equity asset class. However, a tech-heavy allocation may lead to higher volatility, especially during periods of interest rate hikes. The sector distribution aligns well with emerging market trends but may be susceptible to sector-specific risks. To further mitigate these risks, regularly review sector allocations and consider rebalancing if any sector becomes overly dominant.
Regiones
- Asia Emergente 60%
- Asia 18%
- Africa y Media Oriente 11%
- Latino América 7%
- Europa Emergente 2%
- Europa 1%
- Norteamérica 0%
The portfolio's geographic allocation is predominantly in Asia Emerging (60%), with smaller exposures to Asia Developed (18%) and Africa/Middle East (11%). This focus on emerging markets provides growth potential but also exposes the portfolio to regional economic and political risks. Compared to global benchmarks, the lack of exposure to North America and Europe Developed may limit diversification. To potentially reduce regional risk, consider incorporating developed market equities or funds that provide broader geographic exposure.
Capitalización de mercado
- Mega 53%
- Grande 33%
- Mediana 11%
- Pequeña 1%
- Micro 0%
The portfolio has a strong focus on large-cap stocks, with 53% in mega-cap and 33% in big-cap companies. This tilt towards larger companies may offer some stability and liquidity compared to small-cap stocks. However, the limited exposure to medium and small-cap stocks may restrict growth potential, as smaller companies often drive innovation and higher returns. To balance this, consider adding mid or small-cap equities to capture potential growth from emerging companies in these markets.
Dividendos
- Schwab Emerging Markets Equity ETF 2,90%
- Rendimiento ponderado (por año) 2,90%
The Schwab Emerging Markets Equity ETF offers a dividend yield of 2.90%, contributing to overall portfolio returns. Dividends provide a steady income stream, which can be particularly valuable in volatile markets. This yield is relatively attractive compared to global equity averages, adding a layer of return beyond capital appreciation. However, reliance on dividends may not align with a growth-focused strategy. To enhance income, consider additional high-yield investments or dividend-focused funds.
Costes actuales del producto
- Schwab Emerging Markets Equity ETF 0,11%
- Costes totales ponderados (por año) 0,11%
The portfolio's Total Expense Ratio (TER) is 0.11%, which is impressively low and supports better long-term performance by minimizing costs. This cost efficiency is beneficial for maximizing net returns, especially in a growth-focused strategy. Compared to industry averages, this TER is competitive and aligns with best practices for cost-effective investing. To maintain this advantage, regularly review fund expenses and consider switching to lower-cost alternatives if available.
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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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