Adaptamos nuestra metodología de diseño y gestión de carteras consistentemente a cada uno de los distintos planes que ofrece Finizens, con el fin de brindarte la mayor rentabilidad posible ajustada a tu nivel de riesgo para tus inversiones de largo plazo.
| Categoría de Activo | Instrumento Financiero | 1 Monetario | 1 Conservador | 2 Cauto | 3 Equilibrado | 4 Decidido | 5 Atrevido | 6 Agresivo |
|---|---|---|---|---|---|---|---|---|
| Renta fija | 99,00% | 75,00% | 60,00% | 46,50% | 31,50% | 18,00% | 0,00% | |
| Renta fija monetario | 99,00% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% | |
| Monetario Gobiernos Euro | Pictet Sov Short Money Market Inst | 24,75% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% |
| Monetario Corporativo Euro | BlackRock Euro Liquidity Premier | 24,75% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% |
| Monetario Corporativo Euro | Goldman Sachs Euro Liquidity Inst | 24,75% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% |
| Monetario Corporativo Euro | Morgan Stanley Euro Liquidity Inst | 24,75% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% | 0,00% |
| Renta fija soberana | 0,00% | 48,86% | 39,10% | 30,30% | 20,53% | 11,74% | 0,00% | |
| Gobiernos Europa | Vanguard Euro Gov Bond Index Inst Plus | 0,00% | 12,40% | 9,92% | 7,68% | 5,21% | 2,97% | 0,00% |
| Gobiernos EEUU Cubierto | Vanguard US Gov Bond Index H Inst Plus | 0,00% | 12,43% | 9,94% | 7,71% | 5,22% | 2,98% | 0,00% |
| Gobiernos Europa Inflación | Vanguard Euro Inflation Bond Index Inst Plus | 0,00% | 10,07% | 8,06% | 6,25% | 4,23% | 2,42% | 0,00% |
| Gobiernos Globales Corto Plazo Cubierto | Vanguard Global Short Bond Index Inst Plus | 0,00% | 12,06% | 9,65% | 7,48% | 5,07% | 2,89% | 0,00% |
| Gobiernos Emergentes Cubierto | iShares Emerging Gov Bond Index H Inst | 0,00% | 1,90% | 1,53% | 1,18% | 0,80% | 0,48% | 0,00% |
| Renta fija corporativa | 0,00% | 26,14% | 20,90% | 16,20% | 10,97% | 6,26% | 0,00% | |
| Corporativos Euro | Vanguard Euro IG Bond Index Inst Plus | 0,00% | 7,56% | 6,04% | 4,68% | 3,17% | 1,81% | 0,00% |
| Corporativos EEUU Cubierto | Vanguard US IG Bond Index H Inst Plus | 0,00% | 10,43% | 8,34% | 6,47% | 4,38% | 2,50% | 0,00% |
| Corporativos Globales Corto Plazo Cubierto | Vanguard Gbl Short Corp Bond Idx H Inst Plus | 0,00% | 8,15% | 6,52% | 5,05% | 3,42% | 1,95% | 0,00% |
| Renta variable | 0,00% | 22,86% | 37,15% | 50,01% | 64,29% | 77,15% | 99,00% | |
| Europa | Vanguard European Index Inst Plus | 0,00% | 5,76% | 9,35% | 12,60% | 16,20% | 19,43% | 24,93% |
| EEUU | Vanguard US 500 Index Inst Plus | 0,00% | 9,60% | 15,60% | 21,00% | 27,00% | 32,40% | 41,58% |
| Japón | Vanguard Japan Index Inst Plus | 0,00% | 1,08% | 1,76% | 2,36% | 3,04% | 3,65% | 4,68% |
| Emergentes | Vanguard Emerging Market Index Inst Plus | 0,00% | 3,60% | 5,85% | 7,88% | 10,12% | 12,15% | 15,59% |
| Pacífico ex Japón | Vanguard Pacific ex-Japan Index Inst Plus | 0,00% | 1,08% | 1,76% | 2,36% | 3,04% | 3,65% | 4,68% |
| Global Small Caps | Vanguard Global Small-Cap Index Inst Plus | 0,00% | 1,74% | 2,83% | 3,81% | 4,89% | 5,87% | 7,54% |
| Bienes reales | 0,00% | 1,14% | 1,85% | 2,49% | 3,21% | 3,85% | 0,00% | |
| Inmobiliario Global (REITs) | iShares Developed Real Estate Index Inst | 0,00% | 1,14% | 1,85% | 2,49% | 3,21% | 3,85% | 0,00% |
| Efectivo | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% | |
| Efectivo | Liquidez | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% |
| TOTAL | 100,00% | 100,00% | 100,00% | 100,00% | 100,00% | 100,00% | 100,00% | |
| Categoría de Activo | Instrumento Financiero | 1 Conservador | 2 Cauto | 3 Equilibrado | 4 Decidido | 5 Atrevido |
|---|---|---|---|---|---|---|
| Renta fija | 72,50% | 57,50% | 44,00% | 29,00% | 15,50% | |
| Gobiernos Europa | 11,98% | 9,50% | 7,27% | 4,79% | 2,56% | |
| Gobiernos Europa | Vanguard Eurozone Government Bond ETF | 8,40% | 9,50% | 7,27% | 4,79% | 2,56% |
| Gobiernos Europa | Xtrackers II Euro Government Bond | 3,58% | 0,00% | 0,00% | 0,00% | 0,00% |
| Gobiernos EEUU | 12,02% | 9,53% | 7,29% | 4,81% | 2,57% | |
| Gobiernos EEUU cubierto | Xtrackers II US Treasuries ETF 2D - EURH | 12,02% | 9,53% | 7,29% | 4,81% | 2,57% |
| Gobiernos Inflación | 9,74% | 7,72% | 5,91% | 3,90% | 2,08% | |
| Gobiernos Europa Inflación | iShares € Inflation Linked Govt Bond UCITS ETF | 1,40% | 2,50% | 0,00% | 0,00% | 2,08% |
| Gobiernos Europa Inflación | Lyxor Cr € Govt Infl-Lnkd Bd (DR) ETFAcc | 8,34% | 5,22% | 5,91% | 3,90% | 0,00% |
| Gobiernos Globales Corto Plazo | 11,66% | 9,25% | 7,08% | 4,66% | 2,49% | |
| Gobiernos Europa Corto Plazo | SPDR Blmbrg Bcly 1-3 Yr EUR Govt BdETF | 5,83% | 4,62% | 3,54% | 2,33% | 1,24% |
| Gobiernos EEUU Corto Plazo Cubierto | iShares $ Treasury Bd 1-3yr ETF EURH Acc | 5,83% | 4,63% | 3,54% | 2,33% | 1,25% |
| Gobiernos Emergentes | 1,84% | 1,46% | 1,12% | 0,74% | 0,41% | |
| Gobiernos Emergentes Cubierto | iShares Emerging Gov Bond Index H Inst | 1,84% | 1,46% | 1,12% | 0,74% | 0,41% |
| Corporativos Europa | 7,30% | 5,79% | 4,43% | 2,92% | 1,56% | |
| Corporativos Europa | Amundi Prime Euro Corporate ETF DR (C) | 6,45% | 5,79% | 0,00% | 0,00% | 0,00% |
| Corporativos Europa | Vanguard Euro Corporate Bond ETF | 0,85% | 0,00% | 4,43% | 2,92% | 1,56% |
| Corporativos EEUU | 10,08% | 8,00% | 6,12% | 4,03% | 2,15% | |
| Corporativos EEUU Cubierto | Vanguard USD Corp Bd ETF EUR H Acc | 10,08% | 8,00% | 6,12% | 4,03% | 2,15% |
| Corporativos Corto Plazo | 7,88% | 6,25% | 4,78% | 3,15% | 1,68% | |
| Corporativos Europa Corto Plazo | iShares € Ultrashort Bond ETF EUR Acc | 3,94% | 3,13% | 2,39% | 1,58% | 0,84% |
| Corporativos EEUU Corto Plazo | iShares $ Floating Rate Bd ETF EURH Dist | 3,94% | 3,12% | 2,39% | 1,57% | 0,84% |
| Renta variable | 20,48% | 34,77% | 47,62% | 61,91% | 74,77% | |
| Europa | 5,15% | 8,76% | 12,00% | 15,60% | 18,84% | |
| Europa | Lyxor Core STOXX Europe 600 ETF | 5,15% | 8,76% | 12,00% | 15,60% | 18,84% |
| EEUU | 8,60% | 14,60% | 20,00% | 26,00% | 31,40% | |
| EEUU | Schwab US Broad Market ETF | 4,30% | 4,85% | 4,80% | 4,80% | 4,80% |
| EEUU | Schwab US Large-Cap ETF | 4,30% | 4,90% | 4,80% | 4,80% | 4,80% |
| EEUU | SPDR Portfolio S&P 500 ETF | 0,00% | 4,85% | 4,80% | 4,80% | 4,80% |
| EEUU | Invesco PureBeta MSCI USA ETF | 0,00% | 0,00% | 2,80% | 2,80% | 4,80% |
| EEUU | iShares Core S&P Total US Stock Mkt ETF | 0,00% | 0,00% | 2,80% | 4,80% | 3,50% |
| EEUU | Vanguard S&P 500 ETF | 0,00% | 0,00% | 0,00% | 4,00% | 8,70% |
| Pacífico | 1,94% | 3,28% | 4,50% | 5,86% | 7,06% | |
| Pacífico | iShares Core MSCI Pacific ETF | 1,94% | 3,28% | 4,50% | 3,86% | 4,80% |
| Pacífico | Vanguard FTSE Pacific ETF | 0,00% | 0,00% | 0,00% | 2,00% | 2,26% |
| Emergentes | 3,23% | 5,48% | 7,50% | 9,75% | 11,78% | |
| Emergentes | Schwab Emerging Markets Equity ETF™ | 3,23% | 4,80% | 4,80% | 4,80% | 4,80% |
| Emergentes | SPDR Portfolio Emerging Markets ETF | 0,00% | 0,68% | 2,70% | 4,95% | 4,80% |
| Emergentes | iShares Core MSCI Emerging Markets ETF | 0,00% | 0,00% | 0,00% | 0,00% | 2,18% |
| Global Small Caps | 1,56% | 2,65% | 3,62% | 4,70% | 5,69% | |
| EEUU Small Caps | Schwab US Small-Cap ETF™ | 0,94% | 1,59% | 2,17% | 2,82% | 3,41% |
| Global ex EEUU Small Caps | Vanguard FTSE All-Wld ex-US SmCp ETF | 0,62% | 1,06% | 1,45% | 1,88% | 2,28% |
| Bienes reales | 6,02% | 6,73% | 7,38% | 8,09% | 8,73% | |
| REITs | 1,02% | 1,73% | 2,38% | 3,09% | 3,73% | |
| Inmobiliario Global (REITs) | iShares Global REIT ETF | 1,02% | 1,73% | 2,38% | 3,09% | 3,73% |
| Oro | 5,00% | 5,00% | 5,00% | 5,00% | 5,00% | |
| Oro físico | Invesco Physical Gold ETC | 5,00% | 5,00% | 5,00% | 5,00% | 5,00% |
| Efectivo | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% | |
| Efectivo | Liquidez | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% |
| TOTAL | 100,00% | 100,00% | 100,00% | 100,00% | 100,00% | |
| Categoría de Activo | Instrumento Financiero | 1 Conservador | 2 Cauto | 3 Equilibrado | 4 Decidido | 5 Atrevido |
|---|---|---|---|---|---|---|
| Renta fija | 72,50% | 57,50% | 44,00% | 29,00% | 15,50% | |
| Gobiernos Europa | 11,98% | 9,50% | 7,27% | 4,79% | 2,56% | |
| Gobiernos Europa | Vanguard Eurozone Government Bond ETF | 11,98% | 9,50% | 7,27% | 4,79% | 2,56% |
| Gobiernos EEUU | 12,02% | 9,53% | 7,29% | 4,81% | 2,57% | |
| Gobiernos EEUU cubierto | Vanguard US Government Bond Index Fund H | 12,02% | 9,53% | 7,29% | 4,81% | 2,57% |
| Gobiernos Inflación | 9,74% | 7,72% | 5,91% | 3,90% | 2,08% | |
| Gobiernos Europa Inflación | Vanguard Eurozone Inflation-Linked Bond Index | 9,74% | 7,72% | 5,91% | 3,90% | 2,08% |
| Gobiernos Globales Corto Plazo | 11,66% | 9,25% | 7,08% | 4,66% | 2,49% | |
| Gobiernos Globales Corto Plazo Cubierto | Vanguard Global Short-Term Bond Index Fund | 11,66% | 9,25% | 7,08% | 4,66% | 2,49% |
| Gobiernos Emergentes | 1,84% | 1,46% | 1,12% | 0,74% | 0,41% | |
| Gobiernos Emergentes Cubierto | iShares Emerging Gov Bond Index H Inst | 1,84% | 1,46% | 1,12% | 0,74% | 0,41% |
| Corporativos Europa | 7,30% | 5,79% | 4,43% | 2,92% | 1,56% | |
| Corporativos Europa | Vanguard Euro Corporate Bond ETF | 7,30% | 5,79% | 4,43% | 2,92% | 1,56% |
| Corporativos EEUU | 10,08% | 8,00% | 6,12% | 4,03% | 2,15% | |
| Corporativos EEUU Cubierto | Vanguard USD Corp Bd ETF EUR H Acc | 10,08% | 8,00% | 6,12% | 4,03% | 2,15% |
| Corporativos Corto Plazo | 7,88% | 6,25% | 4,78% | 3,15% | 1,68% | |
| Corporativos Europa Corto Plazo | iShares € Ultrashort Bond ETF EUR Acc | 3,94% | 3,13% | 2,39% | 1,58% | 0,84% |
| Corporativos EEUU Corto Plazo | iShares $ Floating Rate Bd ETF EURH Dist | 3,94% | 3,12% | 2,39% | 1,57% | 0,84% |
| Renta variable | 20,48% | 34,77% | 47,62% | 61,91% | 74,77% | |
| Europa | 5,15% | 8,76% | 12,00% | 15,60% | 18,84% | |
| Europa | Vanguard FTSE Developed Europe ETFEURAcc | 5,15% | 8,76% | 12,00% | 15,60% | 18,84% |
| EEUU | 8,60% | 14,60% | 20,00% | 26,00% | 31,40% | |
| EEUU | Vanguard S&P 500 ETF | 8,60% | 14,60% | 20,00% | 26,00% | 31,40% |
| Pacífico | 1,94% | 3,28% | 4,50% | 5,86% | 7,06% | |
| Pacífico | Vanguard FTSE Pacific ETF | 1,94% | 3,28% | 4,50% | 2,93% | 3,53% |
| Pacífico | iShares Core MSCI Pacific ETF | 0,00% | 0,00% | 0,00% | 2,93% | 3,53% |
| Emergentes | 3,23% | 5,48% | 7,50% | 9,75% | 11,78% | |
| Emergentes | Vanguard FTSE Emerging Markets ETF | 3,23% | 2,74% | 3,75% | 4,88% | 3,93% |
| Emergentes | iShares Core MSCI Emerging Markets ETF | 0,00% | 2,74% | 3,75% | 4,87% | 3,93% |
| Emergentes | Schwab Emerging Markets Equity ETF™ | 0,00% | 0,00% | 0,00% | 0,00% | 3,92% |
| Global Small Caps | 1,56% | 2,65% | 3,62% | 4,70% | 5,69% | |
| EEUU Small Caps | Schwab US Small-Cap ETF™ | 0,94% | 1,59% | 2,17% | 2,82% | 3,41% |
| Global ex EEUU Small Caps | Vanguard FTSE All-Wld ex-US SmCp ETF | 0,62% | 1,06% | 1,45% | 1,88% | 2,28% |
| Bienes reales | 6,02% | 6,73% | 7,38% | 8,09% | 8,73% | |
| REITs | 1,02% | 1,73% | 2,38% | 3,09% | 3,73% | |
| Inmobiliario Global (REITs) | iShares Global REIT ETF | 1,02% | 1,73% | 2,38% | 3,09% | 3,73% |
| Oro | 5,00% | 5,00% | 5,00% | 5,00% | 5,00% | |
| Oro físico | Invesco Physical Gold ETC | 5,00% | 5,00% | 5,00% | 5,00% | 5,00% |
| Efectivo | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% | |
| Efectivo | Liquidez | 1,00% | 1,00% | 1,00% | 1,00% | 1,00% |
| TOTAL | 100,00% | 100,00% | 100,00% | 100,00% | 100,00% | |