A growth-focused portfolio with high North American concentration and limited 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 with a moderate risk tolerance, seeking growth through equity exposure. It is ideal for those with a medium to long-term investment horizon, focusing on capital appreciation rather than income. The portfolio's concentration in U.S. equities and technology sectors suggests a preference for high growth potential, albeit with increased volatility. Investors should be comfortable with market fluctuations and willing to adjust allocations to manage risk effectively.

Posiciones

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    50,00%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    20,00%
  • Invesco S&P MidCap Momentum ETF
    XMMO - US46137V4648
    20,00%
  • iShares Bitcoin Trust
    IBIT
    5,00%
  • NVIDIA Corporation
    NVDA - US67066G1040
    5,00%

This portfolio is heavily weighted towards equities, with 95% allocated in stocks and the remaining 5% in alternative assets. The Vanguard S&P 500 ETF dominates the portfolio at 50%, focusing on large-cap U.S. equities. This concentration in a single ETF means limited diversification. A benchmark comparison shows a typical balanced portfolio would have more diverse asset classes. The current structure exposes the portfolio to market-specific risks. Consider diversifying into other asset classes such as bonds or international equities to enhance risk management.

Warning Los datos históricos cubren menos de 2 años, lo que reduce la confianza en los valores calculados.

Crecimiento Info

The portfolio's historical performance is impressive, with a CAGR of 36.41%, significantly outperforming typical benchmarks. However, the max drawdown of -10.61% indicates potential volatility. This performance is driven by the strong U.S. market and tech sector growth. While past returns are promising, it's crucial to remember that they don't guarantee future outcomes. Re-evaluating the portfolio's risk tolerance in light of these figures can help maintain stability during market downturns.

Warning Debido a datos históricos limitados, esto puede mostrar valores extremos que no son realistas.

Proyección Info

The Monte Carlo simulation projects a wide range of potential outcomes, with the median scenario showing substantial growth. The simulation uses historical data to estimate future performance, but it's important to note that this involves assumptions and uncertainties. With an annualized return of 80.41% across simulations, the projections are optimistic. However, relying solely on historical data can be misleading, so diversifying investments and adjusting allocations based on current market conditions is advisable.

Clases de activos Info

  • Acciones
    95%
  • Otros
    5%
  • Efectivo
    0%

The portfolio is concentrated in equities, with only 5% in alternative assets like the iShares Bitcoin Trust. This allocation limits diversification benefits, as a balanced portfolio typically includes bonds or other fixed-income securities. The lack of cash holdings may affect liquidity during market corrections. To improve diversification, consider reallocating a portion of equities into other asset classes, such as bonds or real estate, which can mitigate risk and provide more stability.

Sectores Info

  • Tecnología
    33%
  • Finanzas
    13%
  • Consumo Cíclico
    12%
  • Industria
    10%
  • Salud
    8%
  • Telecomunicaciones
    7%
  • Bienes de cons. perecederos
    5%
  • Energía
    2%
  • Materiales básicos
    2%
  • Bienes Raices
    2%
  • Servicios públicos
    1%

Technology is the dominant sector, representing 33% of the portfolio, followed by financial services and consumer cyclicals. This tech-heavy allocation can lead to higher volatility, especially during market corrections or interest rate changes. The sectoral concentration is higher than typical benchmarks, which can increase risk exposure. Balancing the sector weights by including more defensive sectors like utilities or healthcare could reduce volatility and enhance stability during economic downturns.

Regiones Info

  • Norteamérica
    94%
  • Europa
    1%
  • Asia
    0%

The portfolio is heavily skewed towards North America, with 94% exposure, leaving minimal allocation to other regions. This geographic concentration increases vulnerability to regional market fluctuations. Most benchmarks suggest a more balanced global exposure, which can provide better risk management. Consider increasing allocations to Europe or Asia to diversify geographic risk and take advantage of growth opportunities in emerging markets.

Capitalización de mercado Info

  • Mega
    42%
  • Mediana
    22%
  • Grande
    21%
  • Pequeña
    10%

The portfolio has a strong bias towards mega-cap stocks at 42%, with medium and big caps making up 43%. Small caps are underrepresented at 10%, which might limit growth potential. Mega-cap stocks offer stability but can be less agile during market shifts. A more balanced allocation across market caps, including increased exposure to small and medium caps, can enhance growth opportunities and improve diversification.

Posiciones redundantes Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    Alta correlación

The Schwab U.S. Large-Cap Growth ETF and Vanguard S&P 500 ETF are highly correlated, limiting diversification benefits. High correlation means these assets tend to move in tandem, reducing the portfolio's ability to hedge against market downturns. Diversifying into less correlated assets could improve risk management. Consider replacing one of these ETFs with an asset that offers different growth dynamics or geographic exposure.

Dividendos Info

  • Schwab U.S. Large-Cap Growth ETF 0,40%
  • Vanguard S&P 500 ETF 1,20%
  • Invesco S&P MidCap Momentum ETF 0,20%
  • Rendimiento ponderado (por año) 0,72%

The portfolio's dividend yield is relatively low at 0.72%, with the Vanguard S&P 500 ETF contributing the most at 1.20%. While dividends can provide a steady income stream, growth-focused portfolios often prioritize capital appreciation. If income generation is a goal, consider increasing exposure to high-dividend stocks or ETFs. Balancing growth with income-producing assets could enhance overall returns and provide a buffer during market volatility.

Costes actuales del producto Info

  • iShares Bitcoin Trust 0,12%
  • Schwab U.S. Large-Cap Growth ETF 0,04%
  • Vanguard S&P 500 ETF 0,03%
  • Invesco S&P MidCap Momentum ETF 0,34%
  • Costes totales ponderados (por año) 0,10%

The portfolio's total expense ratio (TER) is low at 0.10%, which is beneficial for long-term performance as lower costs mean more of the returns are retained. The Invesco S&P MidCap Momentum ETF has the highest individual cost at 0.34%, but overall, the costs are impressively managed. This efficient cost structure supports better net returns over time. Maintaining low costs should remain a priority, but ensure that cost-cutting doesn't compromise diversification or risk management.

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 seeks the best risk-return ratio by adjusting asset allocations. Currently, the portfolio's high correlation between assets limits diversification benefits. By reallocating funds to less correlated and more diverse assets, the portfolio can achieve a more efficient balance. This optimization focuses on maximizing returns for the given level of risk, enhancing overall portfolio performance.

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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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