A predominantly US-focused portfolio with significant tech exposure 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 equilibrados
This portfolio suits an investor seeking balanced growth with moderate risk tolerance and a medium- to long-term investment horizon. It prioritizes exposure to large-cap US equities while offering some diversification through international stocks and alternative assets like Bitcoin. Ideal for individuals looking to grow their wealth steadily, it balances growth potential with moderate volatility. The focus on technology and US markets aligns with investors confident in these sectors' long-term prospects.
Posiciones
-
Vanguard S&P 500 ETF
VOO - US9229083632 80,00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10,00% -
Fidelity Wise Origin Bitcoin Trust
FBTC 5,00% -
VanEck Semiconductor ETF
SMH - US92189F6768 5,00%
The portfolio is heavily weighted towards the Vanguard S&P 500 ETF, comprising 80% of the total allocation. This concentration in a single ETF provides broad exposure to large-cap US equities, which aligns well with the benchmark for US stock market performance. The remaining 20% is split among three other ETFs, including international stocks, Bitcoin, and semiconductors, offering some diversification. While the portfolio is moderately diversified, the heavy reliance on US equities could limit exposure to other growth opportunities globally. Consider gradually increasing the allocation to international markets to enhance diversification.
Los datos históricos cubren menos de 2 años, lo que reduce la confianza en los valores calculados.
Crecimiento
Historically, the portfolio has shown a robust CAGR of 20.77%, indicating strong growth over time. This performance surpasses typical market benchmarks, reflecting the portfolio's significant exposure to high-performing US equities. However, the max drawdown of -10.10% highlights potential volatility, which is a common risk for growth-oriented portfolios. While past performance is promising, it doesn't guarantee future results. To manage risk, consider periodically reviewing the portfolio's allocation to ensure it aligns with your risk tolerance and investment goals.
Debido a datos históricos limitados, esto puede mostrar valores extremos que no son realistas.
Proyección
Using a Monte Carlo simulation with 1,000 iterations, the portfolio shows a wide range of potential outcomes. The 5th percentile projects a 478.8% return, while the 67th percentile suggests a 7,855.0% return. The median, or 50th percentile, indicates a potential 4,381.8% return. These simulations provide a probabilistic view of future performance based on historical data. However, remember that these projections are not guarantees. Regularly reassessing the portfolio's risk profile and ensuring it aligns with your financial objectives can help navigate future uncertainties.
Clases de activos
- Acciones 95%
- Otros 5%
- Efectivo 0%
- Sin datos 0%
The portfolio is heavily skewed towards equities, with 95% in stocks and 5% in alternative assets, like Bitcoin. This allocation favors growth but may increase volatility, especially during market downturns. Compared to diversified benchmarks, this allocation is less balanced, potentially missing out on the stabilizing effects of bonds or other asset classes. To enhance diversification, consider introducing a small percentage of fixed-income securities. This could help mitigate risk while maintaining growth potential.
Sectores
- Tecnología 32%
- Finanzas 13%
- Consumo Cíclico 10%
- Salud 9%
- Telecomunicaciones 9%
- Industria 7%
- Bienes de cons. perecederos 5%
- Energía 3%
- Servicios públicos 2%
- Materiales básicos 2%
- Bienes Raices 2%
The sector allocation is notably tech-heavy, with technology making up 32% of the portfolio. This concentration can lead to higher volatility, especially during periods of technological disruption or regulatory changes. While tech has driven substantial growth, it's important to maintain a balanced sector exposure to protect against sector-specific risks. Gradually increasing exposure to underrepresented sectors like healthcare or consumer defensive could stabilize returns and improve resilience against market shifts.
Regiones
- Norteamérica 84%
- Europa 5%
- Asia 2%
- Asia Emergente 2%
- Japón 2%
- Asia-Pacífico 0%
- Africa y Media Oriente 0%
- Latino América 0%
- Europa Emergente 0%
The portfolio's geographic allocation is predominantly North American, with 84% exposure. This focus on the US market can limit exposure to growth opportunities in other regions. While the US has historically performed well, diversifying geographically can reduce risk and enhance potential returns. Consider increasing allocations to emerging markets or developed regions outside North America to capture broader global growth trends and mitigate regional risks.
Capitalización de mercado
- Mega 44%
- Grande 33%
- Mediana 16%
- Pequeña 1%
- Micro 0%
The portfolio is heavily weighted towards mega-cap (44%) and big-cap (33%) stocks, which are typically more stable and less volatile than small-cap stocks. This allocation aligns with a conservative growth strategy, focusing on established companies. However, it might miss out on the high-growth potential of small-cap stocks. To balance stability with growth, consider a modest increase in small- to mid-cap exposures, which could offer higher returns over the long term without significantly increasing risk.
Dividendos
- VanEck Semiconductor ETF 0,50%
- Vanguard S&P 500 ETF 1,00%
- Vanguard Total International Stock Index Fund ETF Shares 2,80%
- Rendimiento ponderado (por año) 1,10%
The portfolio's dividend yield stands at 1.10%, with the Vanguard Total International Stock Index Fund ETF contributing the highest yield at 2.80%. While dividends provide a steady income stream, the focus on growth-oriented assets means the overall yield is modest. For investors seeking income, this may not be sufficient. Consider adding higher-yielding assets to enhance the income component, balancing growth with regular returns.
Costes actuales del producto
- VanEck Semiconductor ETF 0,35%
- Vanguard S&P 500 ETF 0,03%
- Vanguard Total International Stock Index Fund ETF Shares 0,05%
- Costes totales ponderados (por año) 0,05%
The portfolio's total expense ratio (TER) is impressively low at 0.05%, which is advantageous for long-term performance. Lower costs mean more of your investment returns are retained, compounding over time. This cost efficiency aligns with best practices in portfolio management, ensuring that expenses don't erode returns. Continue monitoring fees and consider reallocating to lower-cost options if available, maintaining the portfolio's cost-effectiveness.
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 current asset allocation could potentially be optimized using the Efficient Frontier, which seeks the best possible risk-return ratio. This involves adjusting the weights of existing assets to achieve the highest expected return for a given level of risk. While the portfolio's current composition is well-structured, exploring minor reallocations could further enhance performance. Regularly reviewing and rebalancing can ensure the portfolio remains aligned with your risk-return preferences.
¿Y ahora qué?
¿Listo para invertir en este portafolio?
Elige un bróker que se adapte a ti y fíjate en las comisiones bajas para maximizar tus ganancias.
¿Crear informe de portafolio?
¡Únete a nuestra comunidad!
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.
