Facciamo i conti di fine anno vedendo come si sono comportati i 3 portafogli modello LowRisk, Intercropping e MaxDiversification
A Settembre 2019 ho deciso di pubblicare regolarmente l’andamento di tre portafogli modello fatti da me partendo dalle strategie di asset allocation più conosciute al mondo e rispettando regole imprescindibili nella gestione del risparmio come:
- semplicità, pochi strumenti ma scelti accuratamente;
- diversificazione del rischio e asset allocation strategica ;
- efficienza dei costi, TER inferiore allo 0,5%;
- orizzonte temporale almeno medio/lungo, danno il meglio sui 10 anni;
- ribilanciamenti ridotti, annuali o semestrali per ridurre i costi;
- accessibilità, adatti ad ogni investitore.
I tre portafogli modello sono REALI da almeno 5 anni e nascono per colmare 3 profili di rischio, PRUDENTE, BILANCIATO e DINAMICO.
LOWRISK ( prudente)
- Rendimento YTD + 10,03%
- Deviazione Standard a 3 anni 2,84
Intercropping (bilanciato moderato)
- Rendimento YTD + 36,44%
- Deviazione Standard a 3 anni 10,96
MaxDiversification ( Dinamico )
- Rendimento YTD + 40,85%
- Deviazione Standard a 3 anni 14,26
Il 2019 è stato l’anno emblematico che ” è il mercato che restituisce i giusti rendimenti” basta saper INVESTIRE, esponendosi ai rischi con consapevolezza e ragionate scelte su forti basi statistiche piuttosto che avventurarsi in previsioni o affidarsi a doti gestorie.
Il Consulente Finanziario ha il dovere di proporre costruzioni su misura dell’investitore, educarlo nel COMPORTAMENTO e guidarlo fermamente per portare a casa risultati come questi.
I rendimenti chiaramente sono al lordo dei “costi di consulenza” ma provate a vedere le commissioni di gestione di un fondo: SONO SICURO CHE MAGARI PAGATE DI PIU’ ED IL RENDIMENTO E’ MENO!.
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