Balanced Portfolio with Strong Global Diversification and Efficient Frontier Positioning

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 a balanced investor seeking moderate risk and broad diversification. Such an investor values both capital appreciation and risk management, with an investment horizon of at least five years. They are comfortable with market volatility but prefer a diversified approach to mitigate risks. The portfolio's efficient frontier positioning aligns with their goal of optimizing returns while maintaining a manageable risk level, making it ideal for those seeking a balanced growth strategy.

Posiciones

  • Vanguard FTSE Developed World UCITS ETF USD Accumulation
    VHVE - IE00BK5BQV03
    45,00%
  • Vanguard S&P 500 UCITS Acc
    VUAG - IE00BFMXXD54
    45,00%
  • Vanguard FTSE Emerging Markets UCITS ETF USD Accumulation GBP
    VFEG - IE00BK5BQV03
    10,00%

The portfolio is composed of three Vanguard ETFs, focusing on developed and emerging markets. With a 45% allocation each to the FTSE Developed World and S&P 500 ETFs, and 10% to the FTSE Emerging Markets ETF, it offers a balanced exposure to global equities. This composition reflects a broadly diversified strategy, which is ideal for spreading risk across various markets. The ETFs selected are known for their low costs and efficient tracking of their respective indices, making this portfolio a cost-effective choice for long-term growth.

Crecimiento Info

Historically, the portfolio has demonstrated a commendable performance with a CAGR of 14.34%. This indicates a strong return on investment over time, albeit with a maximum drawdown of -28.87%, highlighting potential volatility. The days that account for 90% of returns are just 18, showing the importance of staying invested during key market movements. This performance suggests a robust growth trajectory, but it's crucial to remain mindful of the inherent risks associated with market fluctuations.

Proyección Info

Utilizing a Monte Carlo simulation with 1,000 iterations, the portfolio's future performance was projected. Assuming a hypothetical initial investment, the simulation indicated a 5th percentile return of 28.78% and a 50th percentile return of 343.47%. With 980 simulations resulting in positive returns, the annualized return across all simulations stands at 12.98%. This analysis provides a probabilistic insight into potential future outcomes, helping to set realistic expectations for returns while considering market uncertainties.

Clases de activos Info

  • Acciones
    100%
  • Otros
    0%

The portfolio is heavily concentrated in stocks, with 99.97% of assets allocated to equities. This high exposure to the stock market suggests an aggressive growth strategy, leveraging the potential for high returns. However, it also indicates a higher risk profile, as equities are subject to market volatility. For a more balanced risk approach, consider incorporating other asset classes like bonds, which can provide stability and reduce overall portfolio volatility.

Sectores Info

  • Tecnología
    29%
  • Finanzas
    15%
  • Consumo Cíclico
    11%
  • Salud
    10%
  • Industria
    9%
  • Telecomunicaciones
    9%
  • Bienes de cons. perecederos
    6%
  • Energía
    4%
  • Materiales básicos
    3%
  • Servicios públicos
    3%
  • Bienes Raices
    2%

Sector allocation within the portfolio is diverse, with significant weightings in technology (28.54%), financial services (15.13%), and consumer cyclicals (10.50%). This sector distribution reflects a strategic focus on high-growth areas, particularly technology. While this can drive returns, it also introduces sector-specific risks. To mitigate these risks, consider periodically reviewing sector allocations to ensure they align with market conditions and personal risk tolerance.

Regiones Info

  • Norteamérica
    78%
  • Europa
    8%
  • Asia Emergente
    6%
  • Japón
    3%
  • Asia
    3%
  • Africa y Media Oriente
    1%
  • Asia-Pacífico
    1%
  • Latino América
    1%
  • Europa Emergente
    0%

Geographically, the portfolio is heavily skewed towards North America, comprising 77.52% of the allocation. While this provides exposure to a mature and stable market, it limits diversification benefits from other regions. Europe Developed (7.55%) and Asia Emerging (6.06%) offer some diversification, but there's room for improvement. To enhance geographic diversification, consider adjusting allocations to include more exposure to underrepresented regions, balancing potential growth opportunities and risks.

Costes actuales del producto Info

  • Vanguard FTSE Developed World UCITS ETF USD Accumulation 0,12%
  • Vanguard S&P 500 UCITS Acc 0,07%
  • Costes totales ponderados (por año) 0,09%

The portfolio benefits from low costs, with a total expense ratio (TER) of 0.09%. This cost-effective structure is advantageous for long-term investors, as lower fees can significantly enhance net returns over time. By maintaining a focus on low-cost ETFs, the portfolio efficiently captures market returns without eroding gains through high fees. To sustain this advantage, continue prioritizing cost-effective investment options and periodically review expense ratios to ensure they remain competitive.

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 is well-positioned on the efficient frontier, indicating an optimal balance between risk and return. However, there's potential to fine-tune the risk level to better match personal preferences. By adjusting allocations along the efficient frontier, one can achieve a riskier or more conservative stance. For those seeking higher returns, increase exposure to higher-risk assets. Conversely, for a more conservative approach, consider incorporating lower-risk investments like bonds to reduce volatility.

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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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