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FinClaro

Model ETF Portfolios

12 curated strategies from proven investment philosophies. Each model includes composition details, risk analysis, and one-click backtesting.

Growth

Global Simple

One ETF, the whole world

High
VT100%
1 ETF
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Two-Fund 80/20

US stocks + bond cushion

Medium-High
VTI80%BND20%
2 ETFs•Requires rebalancing•Filosofía Bogleheads — portafolio de dos fondos
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USA + REIT + Gold

Growth with alternative diversification

High
VOO70%VNQ15%GLD15%
3 ETFs•Requires rebalancing
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S&P 500 Pure

The benchmark everyone measures against

High
VOO100%
1 ETF
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UCITS Simple

One ETF, the whole world (UCITS)

High
VWCE100%
1 ETF•UCITS adaptation of the Global Simple strategy
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UCITS 80/20

S&P 500 + bonds, UCITS-compliant

Medium-High
CSPX80%BND20%
2 ETFs•Requires rebalancing•UCITS adaptation of the Two-Fund 80/20
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Tech Growth

Nasdaq 100 with dividends and gold

High
QQQ60%VIG25%GLD15%
3 ETFs•Requires rebalancing
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Value + Small Cap

Factor investing: value and size

Medium-High
VTI40%IWM30%EFA20%AGG10%
4 ETFs•Requires rebalancing
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Semiconductor Bet

The backbone of the AI era

High
SMH35%XSD15%VOO35%IAU15%
4 ETFs•Requires rebalancing
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Healthcare + MedTech

Healthcare and medical devices — defensive growth

Medium-High
VTI35%IHI25%VIG20%LQD20%
4 ETFs•Requires rebalancing
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Balanced

Three-Fund Classic

The diversified Bogle portfolio

Medium
VTI40%VXUS20%BND40%
3 ETFs•Requires rebalancing•Bogleheads Three-Fund Portfolio
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Global 60/40

The institutional standard, simplified

Medium
VT60%BND30%BNDX10%
3 ETFs•Requires rebalancing
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Swensen Adapted

Institutional multi-asset

Medium
VTI30%VXUS15%VWO5%VNQ20%TIP15%BND15%
6 ETFs•Requires rebalancing•Adaptación del modelo de Yale de David Swensen (1985-2021)
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Global Dividend

Passive income from around the world

Medium
SCHD30%NOBL20%VYMI20%BND20%SGOV10%
5 ETFs•Requires rebalancing
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Conservative

Permanent Portfolio

Protection across all scenarios

Low-Medium
VTI25%BND25%GLD25%SHV25%
4 ETFs•Requires rebalancing•Harry Browne — Permanent Portfolio (1981)
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Quality + Min Vol

Defensive factors for peace of mind

Medium
QUAL35%ACWV30%XLP15%FUTY10%BIL10%
5 ETFs•Requires rebalancing
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Cash Optimized

Maximum yield, minimum risk

Low
SGOV40%BIL30%BOXX30%
3 ETFs
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Model portfolios are presented as educational frameworks for comparison, not as investment recommendations. Composition and allocations are based on publicly available strategies. Always consult a qualified financial advisor.