Cautious and Broadly Diversified Portfolio with Strong Historical Performance and Promising Projections
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 is suitable for cautious investors who prioritize long-term growth and value diversification. These investors typically have a moderate risk tolerance and seek to balance potential returns with risk mitigation. Their investment horizon is likely long-term, allowing them to weather short-term market fluctuations. They appreciate the stability and growth potential of developed markets while remaining open to exploring emerging market opportunities. This investor type values a diversified approach, both geographically and across sectors, to achieve a balanced risk-return profile. They are proactive in managing their portfolio to align with their evolving financial goals.
Posiciones
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Vanguard ESG North America All Cap UCITS ETF USD Accumulation EUR
V3YA - IE000O58J820 60,00% -
Vanguard ESG Developed Europe All Cap UCITS ETF EUR Accumulation
V3DA - IE000QUOSE01 20,00% -
Vanguard ESG Emerging Markets All Cap UCITS ETF USD Acc EUR
V3MA - IE000KPJJWM6 10,00% -
Vanguard ESG Developed Asia Pacific All Cap UCITS ETF USD Accumulating EUR
V3PA - IE000GOJO2A3 10,00%
The portfolio is composed primarily of Vanguard ESG ETFs, with a significant allocation towards North America and a focus on stocks. This composition suggests a strong emphasis on equity investments, particularly in developed markets. A cautious investor might appreciate the broad diversification, which helps mitigate risks associated with individual market fluctuations. However, the high concentration in North American equities could expose the portfolio to regional economic shifts. To further balance the portfolio, consider diversifying into other asset classes like bonds, which can provide stability and reduce overall risk exposure.
Crecimiento
Historically, the portfolio has demonstrated impressive performance with a CAGR of 19.28% and a maximum drawdown of -8.29%. This indicates strong growth potential while maintaining a relatively low level of risk. The fact that 90% of returns are concentrated in just 20 days suggests that timing and market conditions significantly impact performance. While past performance is not indicative of future results, maintaining a diversified approach can help capture growth opportunities. To preserve these gains, it's crucial to regularly review the portfolio's performance and adjust allocations as necessary to align with long-term financial goals.
Proyección
A Monte Carlo simulation, which uses random sampling to predict future outcomes, was conducted with 1,000 iterations. The results show a promising outlook, with the 50th percentile projecting a portfolio value increase of 679.19%. The 5th percentile, at 266.79%, still indicates potential growth, albeit more conservatively. With all simulations yielding positive returns, the annualized return across simulations stands at 16.19%. This suggests that the portfolio is well-positioned for future growth. Investors should remain vigilant and periodically reassess their risk tolerance to ensure their portfolio strategy aligns with their evolving financial objectives.
Clases de activos
- Acciones 100%
- Otros 0%
- Efectivo 0%
- Sin datos 0%
The portfolio's asset class allocation is heavily skewed towards stocks, accounting for nearly 99.88% of the total. This concentration in equities can lead to higher volatility, which may not align with the cautious risk classification. Incorporating other asset classes, such as bonds or alternative investments, can help reduce volatility and provide a more balanced risk-return profile. A diversified asset allocation strategy can improve resilience against market downturns and offer more consistent returns over time. Regularly reviewing and adjusting the asset mix can help maintain alignment with the investor's risk tolerance and financial goals.
Sectores
- Tecnología 27%
- Finanzas 18%
- Salud 13%
- Consumo Cíclico 12%
- Telecomunicaciones 8%
- Industria 8%
- Bienes de cons. perecederos 6%
- Bienes Raices 3%
- Materiales básicos 3%
- Servicios públicos 0%
- Energía 0%
Sector allocation within the portfolio is diverse, with significant exposure to technology, financial services, and healthcare. These sectors are known for their growth potential and can drive overall portfolio performance. However, the high concentration in technology may expose the portfolio to sector-specific risks. To mitigate these risks, consider rebalancing sector allocations to achieve a more even distribution across various industries. This approach can help capture opportunities in underrepresented sectors and reduce the impact of adverse events in any single sector. Regular monitoring of sector performance and trends can inform strategic adjustments.
Regiones
- Norteamérica 60%
- Europa 20%
- Japón 6%
- Asia Emergente 6%
- Asia 5%
- Asia-Pacífico 2%
- Africa y Media Oriente 1%
- Latino América 1%
- Europa Emergente 0%
Geographically, the portfolio is predominantly invested in North America, followed by Europe and Asia. This allocation provides exposure to developed markets, which tend to offer stability and growth potential. However, the limited allocation to emerging markets may restrict access to higher growth opportunities. To enhance geographic diversification, consider increasing exposure to emerging markets, which can offer attractive returns and help balance the overall portfolio. A well-diversified geographic allocation can reduce the impact of regional economic fluctuations and provide a more comprehensive approach to capturing global growth opportunities.
Dividendos
The portfolio does not provide data on dividends, which suggests that the focus is primarily on capital appreciation rather than income generation. This approach may suit investors with a long-term growth objective, but it could limit cash flow for those seeking regular income. To enhance income potential, consider incorporating dividend-paying stocks or income-generating assets into the portfolio. This can provide a steady cash flow and contribute to overall returns. Monitoring dividend yields and adjusting allocations accordingly can help strike a balance between growth and income objectives.
¿Y ahora qué?
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