Rentas · cartera de ejemplo

Cartera ilustrativa de acciones con dividendos, puntuada

Ejemplo fijo y equiponderado publicado el 17 de septiembre de 2026. Las empresas tienen historiales de dividendos distintos, con recortes de AT&T y 3M. No es una lista de aristócratas del dividendo actuales ni una afirmación de crecimiento ininterrumpido.

AT&T (2022) 3M (2024)

La cartera

JNJ10%
PG10%
KO10%
PEP10%
MCD10%
XOM10%
CVX10%
ABBV10%
MMM10%
T10%

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

68.8 / 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 Bajo · motor 2026-03-07-v5 · trayectoria estable (4% de confianza)

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

Mayor posición: 10.0% JNJ · límite 20%
Posiciones efectivas: 10.0 de 10 en cartera · objetivo 10
Sector principal: 30.0% Consumo defensivo
Beta ponderada: 0.42 sensibilidad al mercado
Plan de exposición: 58% invertido 42% efectivo · equilibrada
Estás en: 100% invertido 0% efectivo

Puntuaciones por componente

Diversificación100
Equilibrio de riesgo88
Calidad60
Señal69
Tendencia41
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

Vigilar Un sector domina
Consumo defensivo es el 30.0% del valor invertido. Cuando un sector pesa tanto, un solo tema macro determina la mayor parte del resultado.
Prioridad El plan de exposición favorece un colchón de efectivo
Con la evidencia actual de señal, tendencia y concentración, el plan apunta a un 58.1% invertido y un 41.9% 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.
Prioridad Posiciones grandes con lecturas débiles
T, PEP, MCD tienen un peso relevante y puntuaciones bajas. Son el mayor lastre para la puntuación compuesta.

Posiciones

Ticker	Sector	Valor	Peso	Señal	Puntuación	Perfil
JNJ	Salud	10,000	10.0%	COMPRAR	2.66	defensiva
PG	Consumo defensivo	10,000	10.0%	MANTENER	0.00	núcleo
KO	Consumo defensivo	10,000	10.0%	COMPRAR	5.80	núcleo
PEP	Consumo defensivo	10,000	10.0%	MANTENER	-1.92	recuperación
MCD	Consumo cíclico	10,000	10.0%	MANTENER	-1.67	recuperación
XOM	Energía	10,000	10.0%	MANTENER	0.00	cíclica
CVX	Energía	10,000	10.0%	MANTENER	0.00	cíclica
ABBV	Salud	10,000	10.0%	COMPRAR	7.03	defensiva
MMM	Industria	10,000	10.0%	MANTENER	-0.39	cíclica
T	Servicios de comunicación	10,000	10.0%	MANTENER	-1.96	rentas

Límites de la evidencia:

Faltan datos de calificación 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": 68.7999999999999971578290569595992565155029296875,
        "health_score": 68.7999999999999971578290569595992565155029296875,
        "status": "Good",
        "status_key": "good",
        "count": 10,
        "weighted_score": 0.95999999999999996447286321199499070644378662109375,
        "max_position_weight": 10,
        "max_position_ticker": "JNJ",
        "effective_positions": 10,
        "weighted_beta": 0.419999999999999984456877655247808434069156646728515625,
        "signal_mix": {
            "buy": 30,
            "hold": 70,
            "sell": 0
        },
        "trend_alignment_pct": 30,
        "trend_negative_pct": 40,
        "weighted_grade_score": 3.899999999999999911182158029987476766109466552734375,
        "weighted_dividend_score": 4.79999999999999982236431605997495353221893310546875,
        "top_sector": "Consumer Defensive",
        "top_sector_weight": 30,
        "score_components": {
            "signal": 69.099999999999994315658113919198513031005859375,
            "diversification": 100,
            "risk": 88.099999999999994315658113919198513031005859375,
            "quality": 60.39999999999999857891452847979962825775146484375,
            "trend": 41,
            "macro": 0.200000000000000011102230246251565404236316680908203125
        },
        "trajectory": {
            "direction": "stable",
            "confidence": 3.79999999999999982236431605997495353221893310546875,
            "summary": "Mixed signals"
        },
        "context_alignment": {
            "score": 0.200000000000000011102230246251565404236316680908203125,
            "coverage_pct": 100,
            "matched_weight_pct": 100,
            "top_sector_view": null
        },
        "forward_confidence": 62.7999999999999971578290569595992565155029296875,
        "exposure_plan": {
            "target_invested_pct": 58.10000000000000142108547152020037174224853515625,
            "target_cash_pct": 41.89999999999999857891452847979962825775146484375,
            "min_invested_pct": 45.7000000000000028421709430404007434844970703125,
            "max_invested_pct": 70.5,
            "min_cash_pct": 29.5,
            "max_cash_pct": 54.2999999999999971578290569595992565155029296875,
            "base_invested_pct": 55,
            "stance": "balanced",
            "deployment_speed": "gradual",
            "confidence": 62.39999999999999857891452847979962825775146484375,
            "market_regime_score": 50,
            "market_regime_code": "",
            "reason_codes": [
                "positive_signal_balance",
                "negative_trend_pressure"
            ],
            "components": {
                "market_adjustment": 0,
                "signal_adjustment": 5.25,
                "trend_adjustment": -1,
                "sell_penalty": 0,
                "concentration_penalty": 0
            }
        },
        "holding_analysis": [
            {
                "ticker": "JNJ",
                "weight_pct": 10,
                "score": 2.660000000000000142108547152020037174224853515625,
                "signal": "BUY",
                "sector": "Healthcare",
                "profile": "defensive",
                "lens": "defensive_quality",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "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
            },
            {
                "ticker": "PG",
                "weight_pct": 10,
                "score": 0,
                "signal": "HOLD",
                "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": "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": "PEP",
                "weight_pct": 10,
                "score": -1.9199999999999999289457264239899814128875732421875,
                "signal": "HOLD",
                "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": "MCD",
                "weight_pct": 10,
                "score": -1.6699999999999999289457264239899814128875732421875,
                "signal": "HOLD",
                "sector": "Consumer Cyclical",
                "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": "XOM",
                "weight_pct": 10,
                "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": "CVX",
                "weight_pct": 10,
                "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": "ABBV",
                "weight_pct": 10,
                "score": 7.03000000000000024868995751603506505489349365234375,
                "signal": "BUY",
                "sector": "Healthcare",
                "profile": "defensive",
                "lens": "defensive_quality",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "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
            },
            {
                "ticker": "MMM",
                "weight_pct": 10,
                "score": -0.39000000000000001332267629550187848508358001708984375,
                "signal": "HOLD",
                "sector": "Industrials",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector",
                    "beta_supports_cyclical"
                ],
                "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": 74
            },
            {
                "ticker": "T",
                "weight_pct": 10,
                "score": -1.95999999999999996447286321199499070644378662109375,
                "signal": "HOLD",
                "sector": "Communication Services",
                "profile": "income",
                "lens": "income",
                "classification_confidence": 86,
                "classification_quality": "strong",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "high_dividend_score",
                    "high_dgps"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 3,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 86
            }
        ],
        "coverage": {
            "beta_pct": 100,
            "grade_pct": 90,
            "dividend_pct": 100,
            "trend_pct": 100,
            "macro_pct": 100
        },
        "diagnostics": {
            "risk_level": "low",
            "risk_profile": {
                "target_max_weight": 0.200000000000000011102230246251565404236316680908203125,
                "target_sector_weight": 0.299999999999999988897769753748434595763683319091796875,
                "target_sell_weight": 0.1000000000000000055511151231257827021181583404541015625,
                "target_effective_positions": 10,
                "beta_band_min": 0.59999999999999997779553950749686919152736663818359375,
                "beta_band_max": 1
            },
            "profile_mix": {
                "cyclical": 30,
                "defensive": 20,
                "core": 20,
                "turnaround": 20,
                "income": 10
            },
            "lens_mix": {
                "macro_cyclical": 30,
                "defensive_quality": 20,
                "core_quality": 20,
                "recovery": 20,
                "income": 10
            },
            "classification": {
                "avg_confidence": 62.7999999999999971578290569595992565155029296875,
                "quality": "usable",
                "low_confidence_weight_pct": 20,
                "ambiguous_weight_pct": 0,
                "weak_count": 2,
                "low_confidence_tickers": [
                    "PG",
                    "KO"
                ]
            },
            "factor_evidence": {
                "avg_confidence": 0,
                "quality": "weak",
                "low_confidence_weight_pct": 100,
                "missing_weight_pct": 100,
                "aligned_weight_pct": 0,
                "avg_lens_confidence": 62.7999999999999971578290569595992565155029296875
            },
            "sector_context": {
                "scores": [],
                "top_sector": "Consumer Defensive",
                "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 lens-specific factor evidence for large parts of the portfolio",
                "Weak factor evidence confidence reduces forward-looking reliability"
            ]
        },
        "insights": [
            {
                "id": "weighted_score",
                "value": 0.95999999999999996447286321199499070644378662109375,
                "tone": "warn",
                "status_key": "good"
            },
            {
                "id": "target_invested_pct",
                "value": 58.10000000000000142108547152020037174224853515625,
                "cash_pct": 41.89999999999999857891452847979962825775146484375,
                "stance": "balanced",
                "confidence": 62.39999999999999857891452847979962825775146484375,
                "tone": "warn"
            },
            {
                "id": "effective_positions",
                "value": 10,
                "tone": "good"
            },
            {
                "id": "largest_position",
                "value": 10,
                "ticker": "JNJ",
                "tone": "good"
            },
            {
                "id": "top_sector",
                "value": 30,
                "sector": "Consumer Defensive",
                "tone": "good"
            },
            {
                "id": "signal_mix",
                "buy": 30,
                "hold": 70,
                "sell": 0,
                "tone": "good"
            },
            {
                "id": "portfolio_trajectory",
                "value": "stable",
                "tone": "warn",
                "confidence": 3.79999999999999982236431605997495353221893310546875
            },
            {
                "id": "weighted_beta",
                "value": 0.419999999999999984456877655247808434069156646728515625,
                "tone": "good"
            },
            {
                "id": "macro_alignment",
                "value": 0.200000000000000011102230246251565404236316680908203125,
                "tone": "risk"
            },
            {
                "id": "lens_confidence",
                "value": 62.7999999999999971578290569595992565155029296875,
                "tone": "warn"
            }
        ],
        "suggestions": [
            {
                "tone": "warn",
                "code": "diversify_sector",
                "sector": "Consumer Defensive",
                "weight_pct": 30
            },
            {
                "tone": "risk",
                "code": "hold_higher_cash_buffer",
                "cash_pct": 41.89999999999999857891452847979962825775146484375,
                "invested_pct": 58.10000000000000142108547152020037174224853515625,
                "deployment_speed": "gradual"
            },
            {
                "tone": "warn",
                "code": "expand_factor_coverage",
                "missing_weight_pct": 100
            },
            {
                "tone": "risk",
                "code": "review_weak_positions",
                "tickers": [
                    "T",
                    "PEP",
                    "MCD"
                ]
            }
        ],
        "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.

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