Balanced Portfolio with Low Diversification and High North American Exposure Needs Optimization

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 a balanced investor seeking growth with moderate risk tolerance. Ideal for individuals with a medium-term investment horizon, it favors those comfortable with stock market exposure and willing to accept some volatility. The investor values potential high returns and can withstand market fluctuations. They aim for wealth accumulation over time while maintaining a degree of safety through diversified holdings. Such an investor is open to adjustments for better diversification and risk management.

Posiciones

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    72,00%
  • Vanguard Small-Cap Index Fund ETF Shares
    VB - US9229087518
    9,70%
  • Vanguard Total World Stock Index Fund ETF Shares
    VT - US9220427424
    9,60%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    6,00%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    2,70%

The portfolio is heavily weighted towards the Vanguard S&P 500 ETF, which makes up 72% of the allocation. This indicates a strong focus on large-cap U.S. stocks. The rest is spread across small-cap, world stock, large-cap growth, and dividend-focused ETFs. Such concentration can lead to less diversification, potentially increasing risk. While this setup may capture significant growth in U.S. markets, it may not be resilient to downturns. Consider incorporating more diverse asset types or geographic regions to balance risk and reward.

Crecimiento Info

Historically, the portfolio has shown a strong compound annual growth rate of 13.79%, indicating robust past performance. However, it also experienced a maximum drawdown of -34.51%, highlighting vulnerability during market downturns. The fact that 90% of returns are concentrated in just 32 days suggests a reliance on market timing, which can be risky. To mitigate this, maintaining a diversified portfolio can help smooth out returns and reduce reliance on specific market conditions.

Proyección Info

Using a Monte Carlo simulation with 1,000 runs, the portfolio's future performance presents a wide range of outcomes. With a hypothetical initial investment, the 5th percentile projects a 65.56% return, while the 67th percentile suggests a 611.17% return. This variability underscores the uncertainty inherent in market investments. Monte Carlo simulations help visualize potential risks and returns, emphasizing the importance of diversification to guard against less favorable outcomes. Consider adjusting the portfolio to achieve a more stable range of potential returns.

Clases de activos

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

The portfolio is overwhelmingly composed of stocks, accounting for nearly 100% of the asset allocation. This heavy stock concentration can expose the portfolio to significant volatility. While stocks can offer high returns, they also carry the risk of large swings in value. Introducing other asset classes, like bonds or real estate, could help reduce volatility and provide a more balanced risk profile. A more diversified asset class distribution can enhance stability and improve long-term performance.

Sectores

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

The sector allocation is dominated by technology at over 30%, followed by financial services and healthcare. This concentration in a few sectors may expose the portfolio to sector-specific risks. While these sectors have shown strong performance historically, they can be subject to downturns due to regulatory changes or economic shifts. Diversifying across a broader range of sectors could mitigate these risks and provide more consistent returns. A balanced sector allocation can enhance resilience against market fluctuations.

Regiones

  • Norteamérica
    96%
  • Europa
    2%
  • Asia Emergente
    1%
  • Japón
    1%
  • Asia
    0%
  • Asia-Pacífico
    0%
  • Africa y Media Oriente
    0%
  • Latino América
    0%
  • Europa Emergente
    0%

Geographically, the portfolio is heavily skewed towards North America, with over 96% exposure, leaving minimal allocation to other regions. This concentration limits the benefits of geographic diversification, which can reduce risk by spreading investments across different economies. While the U.S. market has performed well, other regions can offer growth opportunities and risk mitigation. Expanding geographic exposure can help capture global growth and protect against regional downturns.

Posiciones redundantes

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

The portfolio contains several highly correlated assets, particularly among the Vanguard S&P 500 ETF, Schwab U.S. Large-Cap Growth ETF, and Vanguard Total World Stock Index Fund ETF Shares. High correlation means these assets tend to move in the same direction, reducing diversification benefits. Overlapping holdings can increase risk without providing additional return potential. Consider replacing some of these correlated assets with less correlated ones to enhance diversification and reduce portfolio risk.

Dividendos

  • Schwab U.S. Dividend Equity ETF 3,30%
  • Schwab U.S. Large-Cap Growth ETF 0,40%
  • Vanguard Small-Cap Index Fund ETF Shares 1,30%
  • Vanguard S&P 500 ETF 1,20%
  • Vanguard Total World Stock Index Fund ETF Shares 1,80%
  • Rendimiento ponderado (por año) 1,28%

The portfolio's overall dividend yield stands at 1.28%, with the Schwab U.S. Dividend Equity ETF contributing the highest yield at 3.3%. While dividends can provide a steady income stream, the current yield is relatively modest. For investors seeking income, increasing exposure to higher-yielding assets could be beneficial. However, it's important to balance yield with growth potential to avoid sacrificing long-term returns. A strategic approach to dividends can enhance income without compromising growth.

Costes actuales del producto

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

The portfolio's total expense ratio is 0.04%, indicating low investment costs. This is advantageous as lower costs can significantly enhance net returns over time. Keeping costs low is a key component of effective portfolio management, as fees can erode overall performance. It's important to regularly review expense ratios and seek cost-effective investment options. Maintaining a low-cost structure while achieving desired diversification and risk levels can optimize long-term gains.

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 be optimized by addressing high asset correlation and enhancing diversification. Moving along the efficient frontier allows for adjustments towards riskier or more conservative allocations. By reducing overlapping assets and incorporating diverse asset classes, one can achieve a more balanced risk-return profile. Focus on diversification before optimization to ensure a robust foundation. Once diversified, fine-tuning along the efficient frontier can lead to better alignment with risk appetite and financial goals.

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