A growth-focused portfolio with a strong tech presence and moderate global 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 de crecimiento
This portfolio suits an investor with a high risk tolerance and a focus on growth, seeking substantial capital appreciation over the long term. It is ideal for individuals who are comfortable with market volatility and can withstand potential drawdowns in pursuit of higher returns. The portfolio's heavy weighting in technology and U.S. equities aligns with investors looking to capitalize on high-growth sectors. This investor likely has a long investment horizon, allowing time to recover from market fluctuations and benefit from compounding growth.
Posiciones
-
iShares Core S&P 500 ETF
IVV - US4642872000 30,00% -
Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 30,00% -
Vanguard Real Estate Index Fund ETF Shares
VNQ - US9229085538 20,00% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 10,00% -
Vanguard FTSE Emerging Markets Index Fund ETF Shares
VWO - US9220428588 10,00%
The portfolio is composed of 100% ETFs, with a significant emphasis on equities, particularly in technology and real estate sectors. With 30% in the S&P 500 ETF and another 30% in a tech-focused ETF, the portfolio leans heavily towards U.S. equities. This composition aligns well with a growth strategy, as it seeks capital appreciation through exposure to high-growth sectors. However, the concentration in U.S. markets and tech sectors may increase volatility. To further diversify, consider adding ETFs with broader geographic or sectoral exposure to mitigate potential risks associated with market-specific downturns.
Crecimiento
Historically, this portfolio has delivered a CAGR of 13.37%, indicating robust growth over time. This is a strong performance compared to typical benchmarks, reflecting the portfolio's growth-oriented strategy. However, it has also experienced a significant max drawdown of -33.88%, highlighting its susceptibility to market volatility. Such a drawdown suggests that while the portfolio can achieve high returns, it also carries substantial risk. Investors should be prepared for potential downturns and consider strategies to manage risk, such as diversifying further or incorporating more defensive assets.
Proyección
The Monte Carlo simulation, a method using historical data to project future outcomes, shows a wide range of potential returns. The median projection suggests a 258.9% growth, while the 5th percentile indicates a slight loss. This highlights the uncertainty and variability in future performance. Although 949 out of 1,000 simulations resulted in positive returns, it's important to remember that past performance does not guarantee future results. Investors should use these projections as a guideline but remain flexible to adjust their strategies as market conditions evolve.
Clases de activos
- Acciones 79%
- Bienes Raices 20%
- Efectivo 1%
- Otros 0%
- Sin datos 0%
The portfolio is heavily weighted towards stocks, comprising 79.4% of the total allocation, with the remainder in real estate. This allocation can drive growth, but it also increases exposure to market risk. Compared to typical benchmark portfolios, which might include bonds or other asset classes for balance, this portfolio is more aggressive. While the high stock allocation aligns with growth objectives, consider introducing other asset classes, such as bonds or commodities, to enhance diversification and potentially reduce volatility.
Sectores
- Tecnología 43%
- Bienes Raices 21%
- Finanzas 8%
- Consumo Cíclico 6%
- Industria 5%
- Salud 5%
- Telecomunicaciones 4%
- Bienes de cons. perecederos 3%
- Energía 2%
- Materiales básicos 2%
- Servicios públicos 1%
With 42.8% in technology, the portfolio is significantly concentrated in this sector, which can lead to higher volatility, especially during interest rate fluctuations. Real estate follows at 21%, providing some diversification. However, other sectors like financial services and consumer cyclicals are underrepresented. This sectoral concentration could expose the portfolio to sector-specific risks. To mitigate this, consider balancing the allocation by increasing exposure to underrepresented sectors, which could provide stability and reduce the impact of sector-specific downturns.
Regiones
- Norteamérica 81%
- Asia Emergente 6%
- Europa 6%
- Asia 3%
- Japón 2%
- Africa y Media Oriente 1%
- Latino América 1%
- Asia-Pacífico 1%
- Europa Emergente 0%
Geographically, the portfolio is highly concentrated in North America, accounting for 80.7% of the allocation. This limits exposure to international markets, which could offer growth opportunities and diversification benefits. While the focus on North America aligns with a U.S.-centric growth strategy, it may miss out on potential gains from emerging markets or developed regions outside the U.S. Consider increasing exposure to these areas to diversify geographic risk and capture potential growth in different economic environments.
Dividendos
- iShares Core S&P 500 ETF 1,30%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 1,80%
- Vanguard Information Technology Index Fund ETF Shares 0,60%
- Vanguard Real Estate Index Fund ETF Shares 3,80%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 3,20%
- Rendimiento ponderado (por año) 1,83%
With a total yield of 1.83%, the portfolio offers modest dividend income, primarily driven by the real estate and emerging markets ETFs. While dividends can provide a steady income stream, this portfolio is more focused on growth rather than income generation. For investors seeking higher income, consider increasing exposure to dividend-focused ETFs or funds. However, given the growth focus, the current yield is reasonable, supporting the overall strategy of capital appreciation over income.
Costes actuales del producto
- iShares Core S&P 500 ETF 0,03%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0,05%
- Vanguard Information Technology Index Fund ETF Shares 0,10%
- Vanguard Real Estate Index Fund ETF Shares 0,12%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 0,08%
- Costes totales ponderados (por año) 0,08%
The portfolio's total expense ratio (TER) is 0.08%, which is impressively low. This cost efficiency supports better long-term performance by minimizing the impact of fees on returns. Compared to industry averages, this TER is very competitive, allowing for more of the portfolio's growth to benefit the investor. Maintaining low costs is a positive aspect of this portfolio, and investors should continue to monitor expenses to ensure they remain minimal, potentially exploring even lower-cost options if available.
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 be optimized using the Efficient Frontier, which seeks to achieve the highest possible return for a given level of risk. By adjusting the allocation among current assets, it may be possible to enhance the risk-return ratio. This optimization does not necessarily mean adding new assets but rather tweaking existing ones to find the most efficient balance. Investors should consider using portfolio analysis tools to explore potential adjustments, ensuring that any changes align with their risk tolerance and investment goals.
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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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