Balanced and broadly diversified portfolio emphasizing global stock market exposure
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 long-term horizon. It prioritizes steady returns while maintaining exposure to global equities, making it ideal for individuals looking to build wealth over time. The investor likely values diversification and understands the importance of global market exposure in achieving a balanced risk-return profile.
Posiciones
-
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 65,00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 35,00%
The portfolio primarily consists of two ETFs: the Vanguard Total Stock Market Index Fund ETF Shares, making up 65% of the portfolio, and the Vanguard Total International Stock Index Fund ETF Shares, comprising the remaining 35%. This composition demonstrates a strong inclination towards equities, with a notable emphasis on both U.S. and international markets. The allocation is broadly diversified across multiple sectors and geographies, aligning with a balanced risk profile that seeks growth while mitigating risk through global diversification.
Crecimiento
Over the observed period, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 10.43%, with a maximum drawdown of -34.52%. This performance indicates a resilient growth trajectory, albeit with significant volatility. The days contributing most to returns highlight the impact of short-term fluctuations on overall performance. Comparatively, the portfolio's returns are in line with typical expectations for a balanced and globally diversified equity portfolio, suggesting that the allocation strategy has effectively balanced risk and return.
Proyección
Using a Monte Carlo simulation, which projects future performance based on historical data, the portfolio shows a wide range of potential outcomes. The 50th percentile outcome suggests a potential increase of 228.7%, demonstrating robust growth potential. However, it's essential to remember that such simulations are inherently uncertain and depend heavily on past market behavior, which may not predict future movements accurately.
Clases de activos
- Acciones 99%
- Efectivo 1%
- Otros 0%
- Sin datos 0%
The portfolio is almost entirely invested in stocks (99%), with a minimal cash holding (1%). This high equity exposure is characteristic of a growth-oriented strategy, aiming for higher returns at the expense of increased volatility. The absence of other asset classes, such as bonds or real estate, limits the portfolio's diversification benefits, potentially increasing risk during market downturns.
Sectores
- Tecnología 24%
- Finanzas 17%
- Industria 11%
- Consumo Cíclico 11%
- Salud 10%
- Telecomunicaciones 8%
- Bienes de cons. perecederos 6%
- Energía 4%
- Materiales básicos 4%
- Bienes Raices 3%
- Servicios públicos 3%
Sector allocation within the portfolio is well-diversified, with technology (24%) and financial services (17%) being the most heavily weighted. This sectoral distribution reflects a balanced approach, capturing growth opportunities in tech while maintaining substantial positions in traditionally stable sectors like financials and healthcare. However, the tech-heavy focus may introduce higher volatility, especially in market conditions unfavorable to growth stocks.
Regiones
- Norteamérica 67%
- Europa 14%
- Asia Emergente 6%
- Japón 5%
- Asia 3%
- Asia-Pacífico 2%
- Africa y Media Oriente 1%
- Latino América 1%
- Europa Emergente 0%
Geographic allocation shows a significant emphasis on North America (67%), followed by developed Europe (14%) and emerging Asia (6%). This distribution underscores a strong foundation in stable, developed markets while maintaining exposure to growth opportunities in emerging regions. However, the relatively low allocation to emerging markets could limit potential returns from these high-growth areas.
Capitalización de mercado
- Mega 42%
- Grande 30%
- Mediana 19%
- Pequeña 6%
- Micro 2%
The portfolio's market capitalization breakdown reveals a preference for mega (42%) and big (30%) cap stocks, indicating a tilt towards larger, more established companies. This focus likely contributes to the portfolio's overall stability and resilience, as these companies tend to be less volatile than their smaller counterparts. However, the relatively smaller allocation to small (6%) and micro (2%) cap stocks may limit exposure to high-growth potential opportunities.
Dividendos
- Vanguard Total Stock Market Index Fund ETF Shares 1,40%
- Vanguard Total International Stock Index Fund ETF Shares 3,10%
- Rendimiento ponderado (por año) 2,00%
The portfolio yields a total dividend of 2.00%, with the international ETF contributing a higher yield (3.10%) compared to the domestic ETF (1.40%). This dividend income can provide a steady stream of returns, which is beneficial in both bull and bear markets. For investors seeking income, the portfolio's dividend yield, while modest, offers an additional return component on top of capital appreciation.
Costes actuales del producto
- Vanguard Total Stock Market Index Fund ETF Shares 0,03%
- Vanguard Total International Stock Index Fund ETF Shares 0,05%
- Costes totales ponderados (por año) 0,04%
The portfolio benefits from exceptionally low costs, with a Total Expense Ratio (TER) of only 0.04%. Low costs are crucial for long-term investment success, as they directly enhance net returns by reducing the drag on performance. This cost efficiency is a significant advantage, ensuring that more of the portfolio's gross returns contribute to wealth accumulation.
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.
Considering the Efficient Frontier, the current portfolio appears well-positioned for a balanced investor, offering a favorable risk-return profile. However, there may be opportunities to enhance this balance further by adjusting allocations or diversifying into additional asset classes. While the portfolio is efficient within its current framework, exploring such adjustments could potentially yield better risk-adjusted returns.
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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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