A balanced portfolio with a strong focus on U.S. equities and moderate dividend yield

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 capital appreciation through a strong focus on U.S. equities while maintaining some dividend income. Ideal for those comfortable with market fluctuations, this portfolio aims to build wealth over time with a diversified approach, though it could benefit from enhanced geographic and asset class diversification.

Posiciones

  • Invesco S&P 500® Quality ETF
    SPHQ - US46137V2410
    18,69%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    16,49%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    15,39%
  • Invesco QQQ Trust
    QQQ - US46090E1038
    14,54%
  • Invesco S&P 500® High Dividend Low Volatility ETF
    SPHD - US46138E3624
    11,82%
  • Vanguard Value Index Fund ETF Shares
    VTV - US9229087443
    9,34%
  • KFA Value Line Dynamic Core Equity Index ETF
    KVLE - US5007676456
    6,87%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    VEA - US9219438580
    6,87%

The portfolio is heavily weighted towards stocks, with over 99% in equity ETFs and a small fraction in cash. This composition aligns with a balanced risk profile, as stocks offer potential growth but also carry volatility. To align with common benchmarks, consider diversifying into bonds or other asset classes to reduce risk and increase stability. Adding fixed-income securities could provide a cushion during market downturns, enhancing the portfolio's resilience.

Crecimiento Info

The portfolio has shown impressive historic performance with a CAGR of 14.52% and a maximum drawdown of -24.73%. This indicates strong growth potential, albeit with some volatility. Compared to benchmarks, this performance is commendable, showing the portfolio's ability to capture market gains. However, past performance doesn't guarantee future results, so it's crucial to regularly review and adjust the portfolio to maintain this growth trajectory.

Proyección Info

The Monte Carlo simulation, which uses historical data to project future outcomes, shows a 50th percentile return of 496.05%. This suggests a high potential for future growth, with 998 out of 1,000 simulations yielding positive returns. While these projections are promising, they rely on past data and assumptions, which may not hold true in the future. Regularly revisiting these projections can help ensure alignment with changing market conditions.

Clases de activos

  • Acciones
    100%
  • Efectivo
    0%
  • Otros
    0%
  • Sin datos
    0%

The portfolio's asset allocation is concentrated in stocks, with minimal exposure to other asset classes. While this can drive growth, it may also increase risk due to lack of diversification. Compared to typical balanced portfolios, which include bonds and alternative assets, this portfolio could benefit from more diverse asset class exposure. Consider incorporating bonds or real assets to improve risk-adjusted returns and enhance overall portfolio stability.

Sectores

  • Tecnología
    29%
  • Salud
    11%
  • Finanzas
    11%
  • Telecomunicaciones
    10%
  • Consumo Cíclico
    9%
  • Bienes de cons. perecederos
    9%
  • Industria
    8%
  • Servicios públicos
    4%
  • Energía
    3%
  • Bienes Raices
    3%
  • Materiales básicos
    3%

The portfolio is notably tech-heavy, with 29.41% in technology, followed by healthcare and financial services. This concentration may lead to higher volatility, especially during interest rate changes or tech sector downturns. While sectoral allocation aligns with current market trends, it's important to ensure a balance that can withstand sector-specific risks. Diversifying into underrepresented sectors could mitigate this volatility and provide more stable returns.

Regiones

  • Norteamérica
    93%
  • Europa
    4%
  • Japón
    1%
  • Asia
    0%
  • Asia-Pacífico
    0%
  • Latino América
    0%
  • Asia Emergente
    0%
  • Africa y Media Oriente
    0%
  • Europa Emergente
    0%

With 93.14% exposure to North America, the portfolio is heavily skewed towards the U.S. market. This limits geographic diversification and increases vulnerability to regional economic downturns. Compared to global benchmarks, there is a notable under-exposure to emerging markets and international equities. Expanding geographic allocation could enhance diversification and capture growth opportunities in other regions, balancing the portfolio's risk profile.

Posiciones redundantes

  • Schwab U.S. Large-Cap Growth ETF
    Invesco QQQ Trust
    Alta correlación
  • Invesco S&P 500® Quality ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Alta correlación

The portfolio includes highly correlated assets, such as the Schwab U.S. Large-Cap Growth ETF and Invesco QQQ Trust. High correlation means these assets tend to move together, reducing diversification benefits. During market downturns, this can lead to increased risk. Consider reducing overlap by replacing some correlated assets with those that have lower correlation, to improve overall risk management and enhance diversification.

Dividendos

  • KFA Value Line Dynamic Core Equity Index ETF 1,60%
  • Invesco QQQ Trust 0,40%
  • Schwab U.S. Large-Cap Growth ETF 0,40%
  • Invesco S&P 500® High Dividend Low Volatility ETF 3,10%
  • Invesco S&P 500® Quality ETF 0,80%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 1,90%
  • Vanguard Total Stock Market Index Fund ETF Shares 0,90%
  • Vanguard Value Index Fund ETF Shares 1,70%
  • Rendimiento ponderado (por año) 1,18%

The portfolio's dividend yield is 1.18%, with the Invesco S&P 500® High Dividend Low Volatility ETF contributing significantly at 3.1%. Dividends provide a steady income stream, which can be particularly valuable during market volatility. For investors seeking regular income, focusing on high-yielding assets can be beneficial. However, balancing growth and income is crucial to ensure long-term capital appreciation alongside dividend income.

Costes actuales del producto

  • KFA Value Line Dynamic Core Equity Index ETF 0,56%
  • Invesco QQQ Trust 0,20%
  • Schwab U.S. Large-Cap Growth ETF 0,04%
  • Invesco S&P 500® High Dividend Low Volatility ETF 0,30%
  • Invesco S&P 500® Quality ETF 0,15%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0,05%
  • Vanguard Total Stock Market Index Fund ETF Shares 0,03%
  • Vanguard Value Index Fund ETF Shares 0,04%
  • Costes totales ponderados (por año) 0,15%

The portfolio's Total Expense Ratio (TER) is 0.15%, which is impressively low, supporting better long-term returns. Low costs mean more of your money is working for you, compounding over time. This is a positive aspect of the portfolio, aligning with best practices for cost efficiency. Regularly reviewing and comparing fund fees can help maintain this advantage, ensuring that costs remain minimized as the portfolio evolves.

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. However, before optimizing, focus on reducing correlated assets that don't enhance diversification. Adjusting the current asset allocation can improve efficiency, but remember that optimization is based on historical data and may not predict future outcomes. Regularly reassessing the portfolio can help maintain its optimal state.

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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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