A globally diversified single fund portfolio with strong equity focus and low ongoing costs
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 kind of portfolio suits an investor with moderate to higher risk tolerance and a long investment horizon, ideally 10 years or more. The person is comfortable with meaningful short-term swings and understands that markets can drop sharply without warning, yet still aims for strong long-term growth. Typical goals might include building retirement wealth, growing capital for future financial independence, or accumulating assets for major life goals far in the future. This investor values simplicity, broad global diversification, and low ongoing costs more than complex strategies. Emotional resilience during market downturns and a disciplined, buy-and-hold mindset are key traits for matching this profile comfortably over time.
Posiciones
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Vanguard FTSE All-World UCITS ETF USD Accumulation
VWCE - IE00BK5BQT80 100,00%
The structure here is extremely simple: one globally diversified equity ETF makes up 100% of the portfolio. This keeps things very transparent and easy to maintain, which is an advantage for many private investors. Compared with many multi-fund benchmarks, this setup skips bonds and cash-like components, so short-term swings can feel stronger. Still, the ETF itself already spreads money across thousands of companies worldwide, which is a big plus for diversification. Anyone using a setup like this could think about whether they want to keep things ultra-simple with one fund, or later add a stabilizing building block to smooth out volatility if income needs or risk tolerance change.
Crecimiento
With a historic compound annual growth rate (CAGR) of 12.10%, a hypothetical 10,000 investment would have grown strongly over time. CAGR is like the average speed of a car over a whole trip, smoothing out all the bumps. A max drawdown of -33.45% shows that the portfolio temporarily fell about a third from a peak, which is normal for a pure equity strategy but emotionally challenging. Compared with balanced benchmarks that mix in bonds, this profile is more growth-oriented and less cushioned. It is important to remember that past performance cannot predict the future, so decisions should focus on risk comfort and time horizon, not just historic returns.
Proyección
The Monte Carlo analysis uses 1,000 simulations of possible future paths based on historical data and volatility patterns. Think of it as rolling the dice many times to see a range of potential outcomes, not a single forecast. The median scenario ending at roughly 391.9% suggests that long-term growth could be attractive, while the 5th percentile at 72.3% reminds us that weaker periods are very possible. An annualized return of 12.98% across simulations looks strong but relies heavily on the past. Since real markets rarely move in straight lines, this tool should be seen as a rough weather map, not a precise prediction, when planning savings rates and expectations.
Clases de activos
- Acciones 100%
- Otros 0%
- Sin datos 0%
The portfolio sits at 100% stocks, with no meaningful allocation to bonds, real estate funds, or cash-like assets. This is a clear tilt toward long-term growth instead of short-term stability. Stocks historically offer higher returns than bonds, but they can also drop sharply in crises. Many broad benchmarks for “balanced” profiles hold a mix of equities and safer assets, which usually softens drawdowns. Here, the strong diversification happens inside the equity bucket rather than across different asset classes. Someone using such a structure could think about whether they prefer maximum simplicity with pure equity exposure, or adding a separate stabilizing layer once large withdrawals or shorter time horizons become relevant.
Sectores
- Tecnología 29%
- Finanzas 17%
- Consumo Cíclico 11%
- Industria 10%
- Telecomunicaciones 9%
- Salud 8%
- Bienes de cons. perecederos 5%
- Energía 3%
- Materiales básicos 3%
- Servicios públicos 3%
- Bienes Raices 2%
Sector exposure is well spread, with technology at 29%, financial services at 17%, and other sectors filling in smaller slices. This pattern aligns closely with many global equity benchmarks, which is a strong indicator of diversification and modern market representation. A tech-heavy weight can boost long-term growth during innovation cycles but may feel more volatile when interest rates rise or sentiment turns against growth companies. Because the ETF follows a broad index, shifts in sector weights happen automatically as the world economy evolves. This alignment means there is no strong sector bet being taken, just a natural tilt toward the areas currently driving global market value.
Regiones
- Norteamérica 66%
- Europa 14%
- Asia Emergente 6%
- Japón 6%
- Asia 5%
- Asia-Pacífico 2%
- Africa y Media Oriente 1%
- Latino América 1%
- Europa Emergente 0%
Geographic allocation is clearly led by North America at 66%, followed by developed Europe and Asia, with smaller slices in emerging regions. This pattern is very similar to market-cap-weighted global benchmarks, so the country mix is well-aligned with global standards. The strong US share reflects the dominance of US companies in today’s stock markets, not an active bet. This brings access to many global leaders but also ties results strongly to US market cycles. The smaller allocations to emerging regions reduce country-specific risks but also limit potential upside from faster-growing economies. Overall, the regional spread is broad and stable without any extreme concentration beyond what the world market already has.
Capitalización de mercado
- Mega 48%
- Grande 34%
- Mediana 17%
- Pequeña 0%
- Micro 0%
The portfolio focuses on larger companies, with 48% in mega caps and 34% in big caps, and 17% in mid caps. There is effectively no exposure to small or micro caps. This mirrors typical global indexes, where the biggest firms dominate. Large and mega caps often bring more stable business models, better liquidity, and lower company-specific risk, which can reduce some volatility compared with a heavy small-cap tilt. At the same time, purely large-cap exposure may miss part of the growth potential and diversification benefits of smaller companies. Keeping this structure is perfectly reasonable and very common; any tilt toward smaller firms would be an optional, deliberate choice rather than a necessity.
Costes actuales del producto
- Vanguard FTSE All-World UCITS ETF USD Accumulation 0,19%
- Costes totales ponderados (por año) 0,19%
The ongoing total expense ratio (TER) of 0.19% is impressively low, especially for such broad global coverage. TER is the annual fee charged by the fund, quietly deducted inside the ETF. Low costs matter because they compound over the years just like returns: every 0.1% saved each year can add up significantly over long horizons. Compared with many actively managed products, this level of cost supports better long-term performance, assuming similar risk. With no extra layers of funds here, the fee structure is very clean and transparent. Maintaining this low-cost focus is a strong advantage and fits well with evidence-based investing principles favored by many financial researchers.
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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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