High Risk Low Diversification Portfolio with Strong Tech Focus and 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 de crecimiento
This portfolio suits a growth-oriented investor with a high risk tolerance, seeking substantial returns over the long term. Such investors are comfortable with market volatility and prioritize capital appreciation over immediate income. They typically have a longer investment horizon, allowing them to ride out market fluctuations and benefit from potential long-term growth.
Posiciones
-
Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 40,00% -
Vanguard S&P 500 ETF
VOO - US9229083632 40,00% -
Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20,00%
The portfolio is composed of three ETFs, with a strong emphasis on the Vanguard Information Technology Index Fund and the Vanguard S&P 500 ETF, each making up 40% of the portfolio. The remaining 20% is allocated to the Schwab U.S. Dividend Equity ETF. This allocation results in a low diversification score, as the portfolio is heavily weighted towards technology and large-cap U.S. stocks. A more balanced allocation could reduce risk and improve resilience against sector-specific downturns.
Crecimiento
Historically, the portfolio has performed well, with a compound annual growth rate (CAGR) of 16.79%. However, it has also experienced significant volatility, with a maximum drawdown of -32.69%. This indicates a high-risk, high-reward profile, suitable for investors with a strong stomach for market fluctuations. The days that make up 90% of returns being just 39 highlights the importance of timing in such a concentrated portfolio.
Proyección
Using a Monte Carlo simulation with 1,000 runs, the portfolio shows promising forward projections with an annualized return of 17.48%. The 5th percentile ending value is 121.63%, while the median is 685.8%, and the 67th percentile is 974.54%. This suggests a wide range of possible outcomes, reflecting the high-risk nature of the portfolio. Monte Carlo simulations help in understanding potential future performance by modeling various market conditions.
Clases de activos
- Acciones 100%
- Efectivo 0%
The portfolio is almost entirely composed of stocks, with a negligible allocation to cash. This singular focus on equities aligns with the growth profile but leaves the portfolio vulnerable to stock market volatility. Diversifying into different asset classes like bonds or commodities could help in balancing risk and providing more stability during market downturns.
Sectores
- Tecnología 55%
- Finanzas 9%
- Salud 7%
- Consumo Cíclico 6%
- Industria 5%
- Bienes de cons. perecederos 5%
- Telecomunicaciones 5%
- Energía 4%
- Servicios públicos 1%
- Materiales básicos 1%
- Bienes Raices 1%
Sector allocation is heavily skewed towards technology, making up 55.04% of the portfolio. Other sectors like financial services, healthcare, and consumer cyclicals have smaller allocations. This lack of sector diversity increases the portfolio's sensitivity to changes in the tech sector. A broader sector allocation could mitigate this risk and enhance the portfolio's resilience.
Regiones
- Norteamérica 99%
- Europa 1%
- Asia 0%
- Latino América 0%
- Africa y Media Oriente 0%
Geographically, the portfolio is concentrated in North America, with 99.26% of assets allocated there. This regional focus limits exposure to international markets and could miss out on growth opportunities abroad. Introducing more international diversification could provide a hedge against regional economic downturns and tap into global growth trends.
Dividendos
- Schwab U.S. Dividend Equity ETF 3,30%
- Vanguard Information Technology Index Fund ETF Shares 0,60%
- Vanguard S&P 500 ETF 1,20%
- Rendimiento ponderado (por año) 1,38%
The portfolio's dividend yield stands at 1.38%, primarily driven by the Schwab U.S. Dividend Equity ETF, which yields 3.3%. While dividends provide a steady income stream, this yield is relatively low compared to more income-focused portfolios. For those seeking higher income, exploring additional dividend-paying investments could be beneficial.
Costes actuales del producto
- Schwab U.S. Dividend Equity ETF 0,06%
- Vanguard Information Technology Index Fund ETF Shares 0,10%
- Vanguard S&P 500 ETF 0,03%
- Costes totales ponderados (por año) 0,06%
The portfolio's costs are impressively low, with a total expense ratio of 0.06%. This cost efficiency is a significant advantage, as lower fees can enhance net returns over time. Keeping investment costs low is crucial for maximizing long-term growth, and this portfolio does well in that regard.
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 optimization chart suggests that there's room for improvement in risk and return balance. Adjusting along the efficient frontier could either increase returns by taking on more risk or reduce risk for more stability. However, before optimizing, focus on enhancing diversification across sectors, geographies, and asset classes to create a more resilient portfolio.
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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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