A balanced portfolio with strong technology focus and minimal geographic diversity

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 with a balanced risk tolerance seeking growth with moderate income potential. It favors equity exposure, making it ideal for individuals focused on capital appreciation over a medium to long-term horizon. The investor should be comfortable with market volatility and willing to accept short-term fluctuations for potential long-term gains. This portfolio is best for those who prioritize growth while maintaining some level of income through dividends.

Posiciones

  • Vanguard Total World Stock Index Fund ETF Shares
    VT - US9220427424
    40,00%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    25,00%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    25,00%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    10,00%

This portfolio is primarily composed of ETFs with a 40% allocation to the Vanguard Total World Stock Index Fund, complemented by 25% each in Schwab U.S. Large-Cap Growth and Vanguard S&P 500 ETFs. A smaller 10% is in Schwab U.S. Dividend Equity ETF. This composition leans heavily towards equities, with minimal cash or other asset classes. Compared to common balanced portfolios, this one is heavily equity-centric, which may not suit investors seeking fixed income or alternative asset exposure. Consider adding bonds or other asset classes to balance risk and improve diversification.

Crecimiento Info

Historically, the portfolio has performed well with a Compound Annual Growth Rate (CAGR) of 13.54%, though it experienced a significant maximum drawdown of -33.46%. Such performance indicates strong growth potential but also highlights the risk of substantial losses during market downturns. When compared to benchmarks, this performance aligns with typical equity-heavy portfolios. To mitigate drawdown risk, consider incorporating assets with lower volatility or exploring hedging strategies.

Proyección Info

The Monte Carlo simulation, which uses historical data to project future outcomes, suggests a wide range of potential portfolio values. The median (50th percentile) projection is a 490.86% increase, with 997 out of 1,000 simulations showing positive returns. However, it's important to remember that these simulations are based on historical trends and do not guarantee future results. Regularly reassess the portfolio's risk exposure and adjust allocations to align with changing market conditions and personal risk tolerance.

Clases de activos Info

  • Acciones
    99%
  • Efectivo
    1%
  • Otros
    0%
  • Sin datos
    0%

The portfolio is overwhelmingly allocated to stocks at 99.46%, with negligible amounts in cash and other categories. This concentration in equities can offer high growth potential but also increases vulnerability to market fluctuations. In comparison to diversified portfolios, this allocation lacks balance across asset classes. To enhance stability, consider integrating fixed income or alternative investments, which can provide a counterbalance to equity volatility and reduce overall portfolio risk.

Sectores Info

  • Tecnología
    31%
  • Finanzas
    13%
  • Consumo Cíclico
    11%
  • Salud
    11%
  • Telecomunicaciones
    9%
  • Industria
    8%
  • Bienes de cons. perecederos
    6%
  • Energía
    4%
  • Materiales básicos
    3%
  • Servicios públicos
    2%
  • Bienes Raices
    2%

The portfolio is heavily weighted towards technology at 31.08%, followed by financial services and consumer cyclicals. This sectoral concentration can drive growth but also exposes the portfolio to sector-specific risks, such as regulatory changes or tech market volatility. Compared to sector benchmarks, this allocation is more concentrated. Diversifying into underrepresented sectors like utilities or real estate could reduce sector-specific risks and enhance resilience against market shifts.

Regiones Info

  • Norteamérica
    86%
  • Europa
    6%
  • Asia Emergente
    2%
  • Japón
    2%
  • Asia
    2%
  • Asia-Pacífico
    1%
  • Africa y Media Oriente
    1%
  • Latino América
    0%
  • Europa Emergente
    0%

The portfolio is predominantly concentrated in North America at 86.02%, with limited exposure to other global regions. This geographic bias can lead to missed opportunities in emerging markets or regions with different growth dynamics. Compared to global benchmarks, this allocation is less diversified. To improve geographic diversification, consider increasing exposure to Europe, Asia, or other underrepresented regions, which can help mitigate regional economic risks and capture global growth opportunities.

Posiciones redundantes Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard Total World Stock Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Alta correlación

The portfolio's assets are highly correlated, particularly among the Schwab U.S. Large-Cap Growth, Vanguard Total World Stock Index Fund, and Vanguard S&P 500 ETFs. High correlation means these assets tend to move together, which can limit diversification benefits during market downturns. To reduce this risk, consider replacing some correlated assets with those that have lower correlation, thereby enhancing the portfolio's ability to withstand market volatility and achieve more stable returns.

Dividendos Info

  • Schwab U.S. Dividend Equity ETF 3,60%
  • Schwab U.S. Large-Cap Growth ETF 0,40%
  • Vanguard S&P 500 ETF 1,20%
  • Vanguard Total World Stock Index Fund ETF Shares 2,00%
  • Rendimiento ponderado (por año) 1,56%

With a total yield of 1.56%, the portfolio provides moderate income through dividends, primarily from the Schwab U.S. Dividend Equity ETF. While this yield is beneficial for income-focused investors, it may not be sufficient for those relying on dividends for significant cash flow. Compared to income-focused portfolios, this yield is relatively low. To boost dividend income, consider increasing allocation to high-yielding assets or funds that focus on dividend growth, ensuring they align with overall investment objectives.

Costes actuales del producto Info

  • Schwab U.S. Dividend Equity ETF 0,06%
  • Schwab U.S. Large-Cap Growth ETF 0,04%
  • Vanguard S&P 500 ETF 0,03%
  • Vanguard Total World Stock Index Fund ETF Shares 0,07%
  • Costes totales ponderados (por año) 0,05%

The portfolio's total expense ratio (TER) is impressively low at 0.05%, indicating cost efficiency. Low costs are beneficial for long-term performance as they minimize the drag on returns. When compared to industry averages, these costs are competitive and align well with best practices for cost-effective investing. Maintaining low costs is crucial, so continue to monitor expense ratios and evaluate whether there are opportunities to reduce them further without compromising on quality or diversification.

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 aims to achieve the best possible risk-return ratio. However, before optimizing, focus on reducing the overlap of highly correlated assets, as they offer limited diversification benefits. Efficient Frontier optimization involves reallocating existing assets to achieve a more balanced risk-return profile, but it doesn't address the need for broader diversification across asset classes or geographies, which are also important for long-term stability.

¿Y ahora qué?

¿Listo para invertir en este portafolio?

Elige un bróker que se adapte a ti y fíjate en las comisiones bajas para maximizar tus ganancias.

Elegir bróker

¿Crear informe de portafolio?

Crear informe

¡Únete a nuestra comunidad!

Únete a Discord

La información proporcionada en esta plataforma es solo para fines informativos y no debe considerarse como asesoramiento financiero o de inversión. Insightfolio no ofrece asesoramiento financiero, recomendaciones personalizadas ni orientación sobre la compra, tenencia o venta de activos financieros. Las herramientas y contenidos son únicamente educativos y no están adaptados a las circunstancias, necesidades financieras u objetivos personales.

Insightfolio no asume ninguna responsabilidad por la precisión, integridad o fiabilidad de la información presentada. Es responsabilidad exclusiva de los usuarios verificar la información y tomar decisiones independientes basándose en su propia investigación y consideración. El uso de esta plataforma no reemplaza la consulta con profesionales financieros cualificados.

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.

Insightfolio no respalda ni garantiza la idoneidad de ningún producto financiero, valor o estrategia en particular. Cualquier proyección, pronóstico o escenario hipotético presentado en la plataforma es solo ilustrativo y no constituye una garantía.

Al acceder a los servicios, información o contenido ofrecido por Insightfolio, los usuarios reconocen y aceptan los términos de este aviso legal. Si no estás de acuerdo con estos términos, por favor no uses nuestra plataforma.