A globally diversified equity portfolio with strong growth tilt and impressively low ongoing costs
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 setup fits an investor who accepts noticeable ups and downs in exchange for strong long‑term growth potential. Risk tolerance is moderate to slightly above moderate: short‑term losses of 30% or more are acceptable as long as the long‑term story remains intact. Typical goals could include building retirement wealth, investing for children’s future, or growing a nest egg over 10 years or more. The horizon is clearly long term, where staying invested through cycles matters more than timing entries and exits. This type of investor values simplicity, global diversification, and low costs, and is comfortable delegating company selection to broad market indices instead of picking individual stocks.
Posiciones
-
iShares Core MSCI World UCITS ETF USD (Acc) EUR
EUNL - IE00B4L5Y983 70,00% -
iShares MSCI EM UCITS ETF USD (Acc)
EUNM - IE00B4L5YC18 30,00%
This portfolio is very simple and very clear: two equity ETFs only, with about 70% in developed markets and 30% in emerging markets. That creates a 100% stock allocation with no bonds or cash buffers, which is more aggressive than many “balanced” benchmarks that often mix stocks and bonds. This simplicity is great for transparency and easy maintenance, and the high diversification across thousands of companies is a big plus. Still, the all‑equity structure means strong swings in value are normal. If stability or regular withdrawals are important, adding a small buffer in lower‑volatility assets could smooth the ride without changing the basic global focus.
Crecimiento
Historically, this mix delivered a strong compound annual growth rate (CAGR) of 10.84%. CAGR is the average yearly growth, like the average speed of a car over a long trip, even if you drove faster or slower on some days. A maximum drawdown of about ‑33% shows that during bad phases, the portfolio value can fall by a third, which is typical for equity‑heavy setups. Only 33 days made up 90% of returns, showing how a few very strong days drive long‑term results. Staying invested through ups and downs is therefore crucial; trying to time the market can easily miss those key days.
Proyección
The Monte Carlo analysis uses 1,000 simulations based on historical patterns to estimate future possibilities. It does not predict the future; it just shuffles and re‑combines past returns to see many “what if” paths. The median (50th percentile) outcome of about +235% and an average simulated annual return of 10.44% are consistent with the historical profile, while the 5th percentile of around +23% shows that weaker long‑term outcomes are also possible. These numbers are useful for planning ranges rather than exact targets. When using such projections, it helps to think in scenarios: best case, middle case, and stress case, then decide whether each scenario fits personal goals.
Clases de activos
- Acciones 100%
- Efectivo 0%
- Otros 0%
- Sin datos 0%
With 100% in stocks and 0% in bonds, cash, or other asset classes, the allocation is clearly growth‑oriented. Many common “balanced” benchmarks hold perhaps 40–60% in equities and the rest in bonds to reduce volatility. Here, the broad diversification across regions and companies does reduce single‑stock risk, but cannot fully protect against global equity market downturns. For a long horizon and a strong stomach for volatility, this structure can be very efficient. If future needs include near‑term spending or more stable value, introducing a modest share of lower‑risk assets could make the overall experience more comfortable while keeping the core equity engine intact.
Sectores
- Tecnología 28%
- Finanzas 18%
- Consumo Cíclico 11%
- Industria 9%
- Telecomunicaciones 9%
- Salud 8%
- Bienes de cons. perecederos 5%
- Materiales básicos 4%
- Energía 4%
- Servicios públicos 2%
- Bienes Raices 2%
The sector mix is well spread: strong weights in technology, financials, consumer areas, industry, communication services, and healthcare, with smaller parts in energy, materials, utilities, and real estate. This aligns closely with global equity benchmarks, which is a strong indicator of diversification and modern market exposure. The 28% in technology means higher sensitivity to innovation cycles and interest rate moves; tech‑heavy phases can produce big gains but also sharper corrections. Because the sector spread broadly mirrors global indices, this allocation is well‑balanced and aligns closely with global standards. If sector swings feel stressful, one option is to keep the broad market exposure but adjust total equity share instead of tinkering with sectors.
Regiones
- Norteamérica 53%
- Asia Emergente 14%
- Europa 11%
- Asia 11%
- Japón 4%
- Africa y Media Oriente 3%
- Latino América 2%
- Asia-Pacífico 1%
- Europa Emergente 1%
Geographically, over half of the allocation is in North America, with the rest spread across developed Europe, Japan, developed Asia, and a meaningful 14% in emerging Asia plus smaller exposures to Africa, Latin America, and emerging Europe. This pattern is very similar to many global benchmarks, where the United States has a large weight because of its big companies. The emerging markets slice adds growth potential and diversification but usually increases volatility and sensitivity to political and currency risks. This portfolio’s regional spread is broad and globally oriented, which is a clear strength. Anyone wanting less home bias already has a structure that looks very “world market‑like.”
Capitalización de mercado
- Mega 50%
- Grande 35%
- Mediana 14%
- Pequeña 0%
Around 50% in mega caps and 35% in large caps, with 14% in mid caps and almost nothing in small caps, creates a tilt toward the world’s biggest, most established companies. That often means more stability and liquidity compared with portfolios that heavily include small caps, which can move more wildly and be harder to trade. This large‑cap focus matches many standard global indices and is a strong indicator of solid diversification among major global players. The limited small‑cap exposure slightly reduces potential return and risk versus a full‑market approach. Investors seeking a bit more “punch” could consider adding a measured small‑cap component while keeping the core intact.
Costes actuales del producto
- iShares Core MSCI World UCITS ETF USD (Acc) EUR 0,20%
- iShares MSCI EM UCITS ETF USD (Acc) 0,18%
- Costes totales ponderados (por año) 0,19%
The total ongoing cost (TER) of about 0.19% per year is impressively low. Costs are like a constant headwind: they reduce the return you keep every single year. Over long periods, a difference of just 0.3–0.5 percentage points in annual fees can add up to tens of percent in final wealth. Here, the use of broad, low‑cost index ETFs is fully in line with best practices and strongly supports better long‑term performance. There is no obvious pressure to reduce fees further; the cost base is already very competitive. The main levers for improvement lie more in asset mix and risk alignment than in fee optimization.
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 Efficient Frontier is a concept that shows the best possible risk‑return mix using the existing building blocks. “Efficiency” here means the highest expected return for a given level of risk, not the safest or the most diversified in every sense. The analysis suggests that, with the same risk level, a slightly higher expected return of about 11.86% could be reached by changing the internal mix of the available assets. The optimal point found has that 11.86% expected return with a risk level around 15.69%. When thinking about adjustments, it helps to ask whether you prefer keeping risk steady and squeezing out a bit more return, or slightly lowering volatility while accepting a bit less growth.
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