Concentración · cartera de ejemplo

Cartera de ejemplo inspirada en Berkshire, puntuada

Cesta ilustrativa publicada el 17 de septiembre de 2026. Los pesos mostrados son datos fijos para explorar la concentración, no posiciones actuales verificadas de Berkshire Hathaway ni el contenido de una declaración 13F concreta. La nueva puntuación actualiza el análisis, no la cesta.

La cartera

AAPL40%
AXP15%
BAC12%
KO10%
CVX8%
OXY5%
MCO3%
KHC3%
CB3%
DVA1%

Pesos como se muestran, perfil de riesgo Medio. Se vuelve a puntuar automáticamente cada semana aproximadamente; la fecha y la versión del motor figuran en el resultado.

74.0 / 100

Puntuación de cartera Buena

Sólida, con puntos concretos que ajustar.

La estructura aguanta. Uno o dos componentes bajan la puntuación, y se nombran abajo por orden de prioridad.

Débil Neutral Buena Fuerte

10 posiciones resueltas · perfil de riesgo Medio · motor 2026-03-07-v5 · trayectoria mejorando (36% de confianza)

¿Qué es una buena puntuación? → Puntuar mi propia cartera

Mayor posición: 40.0% AAPL · límite 30%
Posiciones efectivas: 4.6 de 10 en cartera · objetivo 8
Sector principal: 40.0% Tecnología
Beta ponderada: 0.88 sensibilidad al mercado
Plan de exposición: 74% invertido 26% efectivo · equilibrada
Estás en: 100% invertido 0% efectivo

Puntuaciones por componente

Diversificación80
Equilibrio de riesgo91
Calidad59
Señal96
Tendencia59
Contexto de mercado0

Un componente aparece como «sin datos» cuando el motor carece de evidencia para él; se informa, no se adivina.

Qué mirar primero

Prioridad La mayor posición supera el límite del perfil
AAPL es el 40.0% del valor invertido. El perfil de riesgo Medio considera 30.0% como techo para una sola posición.
Vigilar Menos posiciones efectivas de lo que parece
El tamaño de las posiciones da a esta cartera la concentración de unas 4.6 posiciones equiponderadas, por debajo del objetivo del perfil.
Prioridad Peso relevante en posiciones con señal negativa
El 30.0% del valor invertido está en posiciones con lectura de señal negativa, por encima de lo que tolera el perfil.
Vigilar El plan de exposición favorece un colchón de efectivo
Con la evidencia actual de señal, tendencia y concentración, el plan apunta a un 73.7% invertido y un 26.3% en efectivo, desplegado a ritmo gradual.
Vigilar Evidencia factorial limitada
Falta evidencia factorial para el 100.0% del valor invertido, lo que limita el contexto prospectivo que el motor puede sostener.
Vigilar La confianza prospectiva es limitada
La confianza de lente promedia 46.3%. Trata los componentes de tendencia y contexto de mercado como provisionales.

Posiciones

Ticker	Sector	Valor	Peso	Señal	Puntuación	Perfil
AAPL	Tecnología	40,000	40.0%	COMPRAR	6.20	núcleo
AXP	Servicios financieros	15,000	15.0%	VENDER	-2.00	recuperación
BAC	Servicios financieros	12,000	12.0%	VENDER	-4.86	recuperación
KO	Consumo defensivo	10,000	10.0%	COMPRAR	5.80	núcleo
CVX	Energía	8,000	8.0%	MANTENER	0.00	cíclica
OXY	Energía	5,000	5.0%	COMPRAR	2.44	cíclica
MCO	Servicios financieros	3,000	3.0%	MANTENER	-1.30	recuperación
KHC	Consumo defensivo	3,000	3.0%	VENDER	-2.49	recuperación
CB	Servicios financieros	3,000	3.0%	COMPRAR	3.63	núcleo
DVA	Salud	1,000	1.0%	MANTENER	-1.04	defensiva

Límites de la evidencia:

Faltan datos de calificación para parte de la cartera
Faltan datos de calidad del dividendo para parte de la cartera
Baja confianza en la clasificación del tipo de acción para parte de la cartera
Falta evidencia factorial específica de la lente para gran parte de la cartera
La baja confianza en la evidencia factorial reduce la fiabilidad prospectiva

POST /evaluate

Cada número de arriba procede de una sola llamada a la API.

Esta página es el JSON de abajo, renderizado. Construye lo mismo en un panel, una herramienta para asesores o un agente de IA. El mismo motor en todos los planes, cinco evaluaciones gratis al mes con una clave de API.

Obtener una clave API gratuita Referencia de la API →

Mostrar respuesta sin procesar

{
    "ok": true,
    "evaluation": {
        "engine_version": "2026-03-07-v5",
        "score": 74,
        "health_score": 74,
        "status": "Good",
        "status_key": "good",
        "count": 10,
        "weighted_score": 2.279999999999999804600747665972448885440826416015625,
        "max_position_weight": 40,
        "max_position_ticker": "AAPL",
        "effective_positions": 4.57000000000000028421709430404007434844970703125,
        "weighted_beta": 0.88000000000000000444089209850062616169452667236328125,
        "signal_mix": {
            "buy": 58,
            "hold": 12,
            "sell": 30
        },
        "trend_alignment_pct": 58,
        "trend_negative_pct": 34,
        "weighted_grade_score": 4.5,
        "weighted_dividend_score": 3.020000000000000017763568394002504646778106689453125,
        "top_sector": "Technology",
        "top_sector_weight": 40,
        "score_components": {
            "signal": 95.7000000000000028421709430404007434844970703125,
            "diversification": 79.5,
            "risk": 91.2999999999999971578290569595992565155029296875,
            "quality": 59.2999999999999971578290569595992565155029296875,
            "trend": 58.60000000000000142108547152020037174224853515625,
            "macro": 0.299999999999999988897769753748434595763683319091796875
        },
        "trajectory": {
            "direction": "improving",
            "confidence": 36.10000000000000142108547152020037174224853515625,
            "summary": "Positive signal and trend balance"
        },
        "context_alignment": {
            "score": 0.299999999999999988897769753748434595763683319091796875,
            "coverage_pct": 100,
            "matched_weight_pct": 100,
            "top_sector_view": null
        },
        "forward_confidence": 46.2999999999999971578290569595992565155029296875,
        "exposure_plan": {
            "target_invested_pct": 73.7000000000000028421709430404007434844970703125,
            "target_cash_pct": 26.300000000000000710542735760100185871124267578125,
            "min_invested_pct": 60.7000000000000028421709430404007434844970703125,
            "max_invested_pct": 86.7000000000000028421709430404007434844970703125,
            "min_cash_pct": 13.300000000000000710542735760100185871124267578125,
            "max_cash_pct": 39.2999999999999971578290569595992565155029296875,
            "base_invested_pct": 72,
            "stance": "balanced",
            "deployment_speed": "gradual",
            "confidence": 55.39999999999999857891452847979962825775146484375,
            "market_regime_score": 50,
            "market_regime_code": "",
            "reason_codes": [
                "positive_signal_balance",
                "negative_trend_pressure",
                "high_sell_weight",
                "concentration_risk",
                "low_forward_confidence"
            ],
            "components": {
                "market_adjustment": 0,
                "signal_adjustment": 12.5600000000000004973799150320701301097869873046875,
                "trend_adjustment": 2.399999999999999911182158029987476766109466552734375,
                "sell_penalty": 4.5,
                "concentration_penalty": 8
            }
        },
        "holding_analysis": [
            {
                "ticker": "AAPL",
                "weight_pct": 40,
                "score": 6.20000000000000017763568394002504646778106689453125,
                "signal": "BUY",
                "sector": "Technology",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "AXP",
                "weight_pct": 15,
                "score": -2,
                "signal": "SELL",
                "sector": "Financial Services",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "BAC",
                "weight_pct": 12,
                "score": -4.86000000000000031974423109204508364200592041015625,
                "signal": "SELL",
                "sector": "Financial Services",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "KO",
                "weight_pct": 10,
                "score": 5.79999999999999982236431605997495353221893310546875,
                "signal": "BUY",
                "sector": "Consumer Defensive",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "CVX",
                "weight_pct": 8,
                "score": 0,
                "signal": "HOLD",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 64
            },
            {
                "ticker": "OXY",
                "weight_pct": 5,
                "score": 2.439999999999999946709294817992486059665679931640625,
                "signal": "BUY",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 64
            },
            {
                "ticker": "MCO",
                "weight_pct": 3,
                "score": -1.3000000000000000444089209850062616169452667236328125,
                "signal": "HOLD",
                "sector": "Financial Services",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "KHC",
                "weight_pct": 3,
                "score": -2.4900000000000002131628207280300557613372802734375,
                "signal": "SELL",
                "sector": "Consumer Defensive",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "CB",
                "weight_pct": 3,
                "score": 3.62999999999999989341858963598497211933135986328125,
                "signal": "BUY",
                "sector": "Financial Services",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "DVA",
                "weight_pct": 1,
                "score": -1.04000000000000003552713678800500929355621337890625,
                "signal": "HOLD",
                "sector": "Healthcare",
                "profile": "defensive",
                "lens": "defensive_quality",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": true,
                "classification_reason_codes": [
                    "defensive_sector",
                    "beta_supports_defensive"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 4,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 74
            }
        ],
        "coverage": {
            "beta_pct": 100,
            "grade_pct": 80,
            "dividend_pct": 90,
            "trend_pct": 100,
            "macro_pct": 100
        },
        "diagnostics": {
            "risk_level": "medium",
            "risk_profile": {
                "target_max_weight": 0.299999999999999988897769753748434595763683319091796875,
                "target_sector_weight": 0.40000000000000002220446049250313080847263336181640625,
                "target_sell_weight": 0.200000000000000011102230246251565404236316680908203125,
                "target_effective_positions": 8,
                "beta_band_min": 0.75,
                "beta_band_max": 1.25
            },
            "profile_mix": {
                "core": 53,
                "turnaround": 33,
                "cyclical": 13,
                "defensive": 1
            },
            "lens_mix": {
                "core_quality": 53,
                "recovery": 33,
                "macro_cyclical": 13,
                "defensive_quality": 1
            },
            "classification": {
                "avg_confidence": 46.2999999999999971578290569595992565155029296875,
                "quality": "weak",
                "low_confidence_weight_pct": 53,
                "ambiguous_weight_pct": 1,
                "weak_count": 3,
                "low_confidence_tickers": [
                    "AAPL",
                    "KO",
                    "CB"
                ]
            },
            "factor_evidence": {
                "avg_confidence": 0,
                "quality": "weak",
                "low_confidence_weight_pct": 100,
                "missing_weight_pct": 100,
                "aligned_weight_pct": 0,
                "avg_lens_confidence": 46.2999999999999971578290569595992565155029296875
            },
            "sector_context": {
                "scores": [],
                "top_sector": "Technology",
                "top_sector_score": null,
                "top_sector_detail": null
            },
            "market_regime": {
                "selected_code": "",
                "mode": "missing",
                "score": null,
                "weights_pct": {
                    "OSL": 0,
                    "US": 0,
                    "GLOBAL": 0
                },
                "selected_regime": null
            },
            "data_gaps": [
                "Missing grade data for part of the portfolio",
                "Missing dividend quality data for part of the portfolio",
                "Weak stock-type classification confidence for part of the portfolio",
                "Missing lens-specific factor evidence for large parts of the portfolio",
                "Weak factor evidence confidence reduces forward-looking reliability"
            ]
        },
        "insights": [
            {
                "id": "weighted_score",
                "value": 2.279999999999999804600747665972448885440826416015625,
                "tone": "good",
                "status_key": "good"
            },
            {
                "id": "target_invested_pct",
                "value": 73.7000000000000028421709430404007434844970703125,
                "cash_pct": 26.300000000000000710542735760100185871124267578125,
                "stance": "balanced",
                "confidence": 55.39999999999999857891452847979962825775146484375,
                "tone": "risk"
            },
            {
                "id": "effective_positions",
                "value": 4.5999999999999996447286321199499070644378662109375,
                "tone": "risk"
            },
            {
                "id": "largest_position",
                "value": 40,
                "ticker": "AAPL",
                "tone": "risk"
            },
            {
                "id": "top_sector",
                "value": 40,
                "sector": "Technology",
                "tone": "warn"
            },
            {
                "id": "signal_mix",
                "buy": 58,
                "hold": 12,
                "sell": 30,
                "tone": "risk"
            },
            {
                "id": "portfolio_trajectory",
                "value": "improving",
                "tone": "good",
                "confidence": 36.10000000000000142108547152020037174224853515625
            },
            {
                "id": "weighted_beta",
                "value": 0.88000000000000000444089209850062616169452667236328125,
                "tone": "good"
            },
            {
                "id": "macro_alignment",
                "value": 0.299999999999999988897769753748434595763683319091796875,
                "tone": "risk"
            },
            {
                "id": "lens_confidence",
                "value": 46.2999999999999971578290569595992565155029296875,
                "tone": "risk"
            }
        ],
        "suggestions": [
            {
                "tone": "risk",
                "code": "reduce_single_position",
                "ticker": "AAPL",
                "weight_pct": 40,
                "target_pct": 30,
                "risk_level": "medium"
            },
            {
                "tone": "warn",
                "code": "increase_diversification",
                "effective_positions": 4.5999999999999996447286321199499070644378662109375
            },
            {
                "tone": "risk",
                "code": "lower_sell_exposure",
                "sell_pct": 30
            },
            {
                "tone": "warn",
                "code": "hold_higher_cash_buffer",
                "cash_pct": 26.300000000000000710542735760100185871124267578125,
                "invested_pct": 73.7000000000000028421709430404007434844970703125,
                "deployment_speed": "gradual"
            },
            {
                "tone": "warn",
                "code": "expand_factor_coverage",
                "missing_weight_pct": 100
            },
            {
                "tone": "warn",
                "code": "lower_forward_confidence",
                "lens_confidence": 46.2999999999999971578290569595992565155029296875
            }
        ],
        "portfolio_input": {
            "cash_balance": 0,
            "holdings_value": 100000,
            "total_value": 100000,
            "cash_pct": 0,
            "invested_pct": 100,
            "missing_tickers": []
        }
    }
}

Los resultados de PORTIQA son análisis cuantitativos con fines informativos únicamente y no constituyen asesoramiento de inversión. Consulta el aviso financiero.

Más carteras de ejemplo

Concentración · 7 posiciones

Cartera de ejemplo inspirada en Berkshire, puntuada

La cartera

Sólida, con puntos concretos que ajustar.

Puntuaciones por componente

Qué mirar primero

Posiciones

Más carteras de ejemplo

Las Magnificent 7 como cartera.

Una acción. Todo en ella.

La clásica 60/40.

Tu cartera, el mismo motor.