A heavily concentrated US equity portfolio with low diversification and moderate growth potential
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 moderate growth with a balanced risk tolerance and a long-term horizon. It emphasizes large-cap US equities, providing stability and potential for steady returns. However, the low diversification suggests it's ideal for someone comfortable with sector and geographic concentration, willing to accept volatility for potential growth. It's well-suited for those looking to capitalize on US market performance while maintaining a focus on cost efficiency.
Posiciones
-
iShares Core S&P 500 ETF
IVV - US4642872000 87,56% -
iShares Russell Top 200 Growth ETF
IWY - US4642894384 8,24% -
Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 4,20%
The portfolio is heavily concentrated in US equities, with a significant 87.56% allocation to the iShares Core S&P 500 ETF. This suggests a focus on large-cap stocks, which can provide stability but may limit exposure to other growth opportunities. While this composition aligns with a balanced profile, the lack of diversification could expose the portfolio to sector-specific risks. Consider diversifying into other asset classes to balance potential risks and returns better.
Crecimiento
Historically, the portfolio has performed well, with a Compound Annual Growth Rate (CAGR) of 14.29%. This suggests strong historical growth, outperforming many benchmarks. However, the maximum drawdown of -33.55% indicates significant volatility during downturns. While past performance is promising, it doesn't guarantee future results. It's crucial to prepare for potential fluctuations by considering more diversified investments or protective strategies.
Proyección
Using Monte Carlo simulations, the portfolio shows a median potential return of 579.55%, with 996 out of 1,000 simulations yielding positive returns. This indicates a high probability of growth, but it's essential to understand that these projections are based on historical data and assumptions. They provide a range of possible outcomes, not certainties. To enhance potential outcomes, consider adjusting asset allocations to optimize for risk and return.
Clases de activos
- Acciones 100%
- Efectivo 0%
The portfolio is overwhelmingly allocated to stocks, with 99.73% in equities and a negligible 0.27% in cash. While equities can drive growth, this concentration may increase volatility. A more balanced allocation across different asset classes, such as bonds or real estate, could provide stability and reduce risk. Diversifying asset classes can enhance the portfolio's resilience during market fluctuations.
Sectores
- Tecnología 34%
- Finanzas 13%
- Consumo Cíclico 12%
- Salud 10%
- Telecomunicaciones 10%
- Industria 7%
- Bienes de cons. perecederos 6%
- Energía 3%
- Servicios públicos 2%
- Bienes Raices 2%
- Materiales básicos 2%
The portfolio is tech-heavy, with 33.99% in technology, followed by financial services and consumer cyclicals. This concentration in a few sectors may lead to higher volatility, especially during economic shifts or interest rate changes. Diversifying across more sectors can mitigate these risks and provide a buffer against sector-specific downturns, aligning with a balanced investment approach.
Regiones
- Norteamérica 99%
- Europa 0%
- Asia 0%
- Latino América 0%
With 99.49% exposure to North America, the portfolio is highly concentrated geographically, limiting global diversification benefits. This focus may miss opportunities in emerging or developed markets outside the US. To enhance diversification, consider increasing exposure to international markets, which can provide growth opportunities and reduce regional risk.
Dividendos
- iShares Core S&P 500 ETF 0,90%
- iShares Russell Top 200 Growth ETF 0,30%
- Schwab U.S. Dividend Equity ETF 3,60%
- Rendimiento ponderado (por año) 0,96%
The portfolio's overall dividend yield is 0.96%, with the Schwab U.S. Dividend Equity ETF contributing the most at 3.6%. While dividends can provide a steady income stream, the overall yield is relatively low. If income is a priority, consider increasing allocations to higher-yielding assets. However, ensure this aligns with your broader investment goals and risk tolerance.
Costes actuales del producto
- iShares Core S&P 500 ETF 0,03%
- iShares Russell Top 200 Growth ETF 0,20%
- Schwab U.S. Dividend Equity ETF 0,06%
- Costes totales ponderados (por año) 0,05%
The portfolio's total expense ratio (TER) is impressively low at 0.05%, which is beneficial for long-term growth by minimizing costs. Low fees mean more of your returns stay in your pocket. This efficient cost structure supports better performance over time. Regularly review and compare costs to ensure they remain competitive, especially if considering changes to asset allocations.
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 potentially be optimized using the Efficient Frontier, which seeks the best risk-return ratio. This involves adjusting the current asset allocations to achieve a more balanced risk and return profile. While efficiency doesn't guarantee diversification, it can help in maximizing returns for a given level of risk. Consider consulting with a financial advisor to explore optimization strategies.
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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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