A balanced portfolio with strong U.S. focus and moderate international 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 is ideal for an investor with a balanced risk tolerance, seeking growth while maintaining a degree of diversification. With a strong focus on U.S. equities and moderate international exposure, it suits those with a long-term investment horizon. The portfolio's equity-heavy nature indicates a preference for capital appreciation over income generation. Investors comfortable with market volatility and interested in leveraging historical U.S. market performance will find this structure appealing. It is well-suited for individuals aiming to build wealth steadily over time.

Posiciones

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    50,00%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    25,00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    25,00%

The portfolio consists of three ETFs, with a significant 50% allocation to the Vanguard S&P 500 ETF. The Schwab U.S. Large-Cap Growth ETF makes up 25% of the portfolio, while the Vanguard Total International Stock Index Fund ETF Shares also comprises 25%. This composition leans heavily toward U.S. equities, reflecting a common benchmark approach. A more diversified allocation could include additional asset classes like bonds or real estate to improve risk balance. However, the current structure provides a solid foundation for growth-focused investors, particularly those comfortable with equity market volatility.

Crecimiento Info

A hypothetical investment in this portfolio would have experienced a robust CAGR of 12.32%, indicating strong historical performance. The portfolio's maximum drawdown of -33.39% highlights the inherent volatility associated with equity-heavy investments. While past performance is not indicative of future results, these figures suggest that the portfolio has navigated market fluctuations well. Comparing this to relevant benchmarks could offer additional insights. Investors should be prepared for similar volatility in the future and consider whether this aligns with their risk tolerance.

Proyección Info

Using Monte Carlo simulations, which predict potential future outcomes based on historical data, the portfolio shows a median projected growth of 353.2%. While the 5th percentile suggests a possible decline, the simulations indicate a high probability of positive returns, with 989 out of 1,000 scenarios yielding gains. It's essential to remember that these projections are based on past data and are not guarantees. Investors should stay informed about market conditions and adjust their strategies as needed to navigate potential risks and opportunities effectively.

Clases de activos Info

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

The portfolio is predominantly composed of stocks, with a 99% allocation, and a minimal 1% in cash. This heavy weighting in equities aligns with a growth-oriented strategy but may expose investors to greater market volatility. Diversifying into other asset classes, such as bonds or real estate, could provide more stability and reduce risk. Comparing this allocation to common benchmarks, it is clear that the portfolio is aggressive in nature, suitable for investors with a higher risk tolerance and a focus on long-term growth.

Sectores Info

  • Tecnología
    31%
  • Finanzas
    14%
  • Consumo Cíclico
    12%
  • Salud
    10%
  • Telecomunicaciones
    10%
  • Industria
    8%
  • Bienes de cons. perecederos
    5%
  • Energía
    3%
  • Materiales básicos
    3%
  • Servicios públicos
    2%
  • Bienes Raices
    2%

The portfolio's sector composition is heavily weighted towards technology, making up 31% of the allocation. This concentration may lead to higher volatility, particularly during periods of interest rate changes or tech market corrections. Other significant sectors include financial services and consumer cyclicals. While this sector distribution aligns with common benchmarks, investors should be aware of potential risks associated with sector concentration. A more balanced approach across sectors could help mitigate these risks and provide a smoother investment journey.

Regiones Info

  • Norteamérica
    77%
  • Europa
    10%
  • Asia Emergente
    4%
  • Japón
    4%
  • Asia
    3%
  • Asia-Pacífico
    1%
  • Africa y Media Oriente
    1%
  • Latino América
    0%
  • Europa Emergente
    0%

The portfolio has a strong geographic focus on North America, with 77% of assets allocated there. This concentration may limit exposure to growth opportunities in other regions. While Europe and Asia have some representation, emerging markets are notably underrepresented. Diversifying geographically could enhance the portfolio's resilience against regional economic downturns and tap into potential growth in international markets. Investors might consider increasing exposure to underrepresented regions to achieve a more balanced global allocation.

Capitalización de mercado Info

  • Mega
    50%
  • Grande
    31%
  • Mediana
    16%
  • Pequeña
    2%
  • Micro
    0%

The portfolio's allocation by market capitalization is heavily skewed towards mega and large-cap stocks, comprising 81% of the total. This focus on larger companies can provide stability but may limit growth potential compared to smaller, more dynamic firms. While medium and small caps are included, their impact is minimal. To enhance diversification and potentially increase returns, investors could consider increasing exposure to smaller-cap stocks, which historically offer higher growth prospects, albeit with increased volatility.

Posiciones redundantes Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    Alta correlación

The Schwab U.S. Large-Cap Growth ETF and Vanguard S&P 500 ETF exhibit high correlation, meaning they tend to move in tandem. This correlation can limit diversification benefits, as both funds react similarly to market changes. Reducing overlap by adding less correlated assets could enhance the portfolio's resilience and improve risk-adjusted returns. Investors should assess whether the current correlation aligns with their diversification goals and consider alternative investments that offer distinct risk-return profiles.

Dividendos Info

  • Schwab U.S. Large-Cap Growth ETF 0,40%
  • Vanguard S&P 500 ETF 1,40%
  • Vanguard Total International Stock Index Fund ETF Shares 2,80%
  • Rendimiento ponderado (por año) 1,50%

The portfolio's overall dividend yield stands at 1.50%, with the Vanguard Total International Stock Index Fund ETF contributing the highest yield at 2.80%. While dividends provide a steady income stream, the portfolio's growth focus suggests that capital appreciation is the primary goal. Investors seeking higher income may want to consider increasing exposure to dividend-focused ETFs or stocks. However, for those prioritizing growth, the current yield is a reasonable complement to the portfolio's broader strategy.

Costes actuales del producto Info

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

With a total expense ratio (TER) of 0.04%, the portfolio's costs are impressively low, contributing positively to long-term performance. Low expenses mean more of the portfolio's returns are retained by the investor, enhancing compounding effects over time. This cost efficiency aligns well with best practices for maximizing net returns. Investors should continue to monitor expense ratios and aim to maintain this low-cost structure, as it significantly impacts the portfolio's overall success.

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's current asset allocation can be optimized using the Efficient Frontier, which identifies the best possible risk-return ratio. However, the highly correlated assets within the portfolio limit diversification benefits. To achieve optimal efficiency, investors should consider reducing overlap and introducing less correlated assets. This approach can enhance the portfolio's risk-return profile, providing a more balanced and potentially more rewarding investment experience.

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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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