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Portfolio Mix

Click on the dial to see the conservative, moderate & aggressive portfolio strategies.

Asset Allocation
10%
Equities
10%
Indices
10%
Forex
20%
Commodities
50%
Bonds
Note: This is for illustrative purposes only and there is no obligation to accept the asset allocation provided by this tool. The Portfolio Mix is neither investment advice nor a suggestion on asset allocation to be adopted by the investors.
Instruments
Description
Trend
Trading Range
equites
Walmart
Trend
Range $87.6- $95.6
Walmart, Inc. engages in the retail and wholesale business and offers an assortment of merchandise and services at everyday low prices. It operates through the following business segments: Walmart U.S., Walmart International, and Sam's Club. The stock is up 78% YTD due to continued share gains across all income cohorts, top-line momentum, reduced e-commerce losses, and robust growth of alternative profit streams. In the recent quarter, Walmart delivered adj. EPS of $0.58, while Walmart U.S. Same Store Sales (SSS) increased by +5.3%, and Sam's Club SSS grew by +7.0%. Despite the meaningful outperformance YTD vs. SPX (+24%), there still seems to be room for further multiple expansion as Walmart continues to operate at a very high level with good control over its P&L, while vendor support, investments in assortment, marketplace expansion, and supply chain drive further market share gains. All in all, it is expected that the company’s positive EPS revision and ROI improvement will continue into 2025 and beyond.
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indeces
Switzerland 20
Trend
Range CHF 10,980 -
CHF 12,200
Switzerland’s benchmark index faces a promising outlook in 2025 in terms of both earnings’ growth and valuation upside. Its 2025 EPS growth projections stand at 9.6% and are expected to outperform the 8.4% EPS growth projections of the Stoxx 600 Index. The index is composed of stocks that are primarily defensive in their characteristics, making it less susceptible to global macroeconomic headwinds. The strong thematic tilt and limited exposure to China is also a bonus. The heavy exposure to the U.S. Dollar could prove to be a tailwind, particularly if the dollar strengthens against the Swiss franc. Recently, the Swiss National bank (SNB) slashed rates by 50 bps, marking the biggest reduction in nearly a decade. This move was prompted by the slowdown in inflation and rising global uncertainty. The SNB is incentivized to weaken the franc to alleviate pressure on the export-driven index. A weaker franc would render Swiss exports more competitive internationally. Meanwhile, given the potential inflationary impact of Trump’s policies and the Fed’s less dovish stance, the dollar is expected to remain strong. Even on the technical front, the index is testing 50-SMA support on the monthly chart, which also coincides with the 21-SMA.
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forex
EUR/JPY
Trend
Range 159.5 - 168.6
The currency pair is buoyed for a dip amid reaching technical resistance on the weekly timeframe. The pair has hit a fib confluence resistance at the price mark of 164.4-165, and given that the price is currently at 154.59 at the time of writing, a pullback is expected. From a fundamental standpoint, the summary of opinions from the Bank of Japan’s December policy meeting showed that the policymakers are gaining confidence in rate increases, and the central bank is also cutting its monthly bond purchases. While looking at the Eurozone in its last policy meeting for the year, the ECB signaled an easing bias amid cooling inflation and growth outlook. Additionally, the ECB commented on keeping the door open to more easing as the eurozone economy is dragged down by political instability and the threat of a US trade war. Hence, given this hawkish stance from Japan and dovish from Eurozone, a dip in the pair is expected.
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commodities
Gold
Trend
Range $2,540-$2,685
Despite gold’s expected 1.23% drop for the month, the metal is on track to give a yearly return of about 27%. The yellow metal was aided by strong central bank demand, a declining interest rate environment, and safe-haven flows resulting from geopolitical tensions at the start of the year but has consolidated in the $2,535 to $2,730 range since Trump’s victory in the U.S. elections in November. Although the Federal Reserve has suggested a cautious approach to interest rate cuts in 2025, strong demand from central banks resulting from global economic uncertainty regarding Trump’s policies is expected to support prices going forward. Moreover, the failure of Israel and Hamas to reach a ceasefire deal, along with prolonged tensions in the Ukraine-Russia belt, is expected to add to safe-haven demand in the short term. Technically, Gold is still trading well above its 200-SMA, indicating its strong bullish momentum, with prices likely to rally if the $2,666 level is broken.
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bonds
iShares Core
U.S. Aggregate
Bond ETF
Trend
Range $91.80 - $101.47
The iShares Core U.S. Aggregate Bond ETF (AGG) is a prominent fund that closely tracks the Bloomberg Barclays U.S. Aggregate Bond Index, offering a comprehensive snapshot of the U.S. investment-grade bond market. With a diversified portfolio of over 8,000 bonds—including government, corporate, mortgage-backed, and asset-backed securities—AGG provides extensive coverage of the U.S. bond market. The ETF is designed for cost-efficiency, boasting a low expense ratio of 0.03%, well below industry standards, and manages about $120 billion in assets. AGG has delivered year-to-date returns of 1.04%, with a 12-month dividend yield of 3.75%. This makes it an attractive option for investors seeking broad exposure to U.S. bonds with minimal costs, offering the potential for income and capital appreciation.
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iShares iBoxx
$ Investment
Grade Corporate
Bond ETF
Trend
Range $101.31 - $111.98
The iShares iBoxx $ Investment Grade Corporate Bond ETF (LQD) aims to mirror the performance of an index composed of U.S. dollar-denominated investment-grade corporate bonds. It provides investors with exposure to the high-quality segment of the corporate bond market, offering broad diversification across various sectors, maturities, and credit ratings. With a low expense ratio of 0.14% and strong liquidity, LQD is an attractive option for those seeking income and stability in the fixed-income space. The ETF has a 12-month dividend yield of 4.45%. It carries moderate interest rate risk and low credit risk, with the majority of its holdings rated A or higher by major credit rating agencies. LQD is an excellent choice for investors seeking a reliable and well-diversified investment in the investment-grade corporate bond market.
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iShares 20+
Year Treasury
Bond ETF
Trend
Range $82.74 - $91.45
The iShares 20+ Year Treasury Bond ETF (TLT) is designed to track the performance of long-term U.S. government bonds, specifically those with over 20 years of remaining maturity. This focus makes the fund particularly sensitive to changes in interest rates and inflation expectations. TLT is often favoured by investors who anticipate shifts in the Federal Reserve's monetary policy, especially during transitions from quantitative tightening to quantitative easing. Such shifts usually boost demand for long-term bonds, driving up their prices and lowering their yields, which in turn enhances the value of TLT’s underlying assets. The ETF has a 12-month dividend yield of 4.31%, combined with a strong history of dividend growth, TLT is an appealing choice for investors who are looking towards the on-going rate cut cycle to continue from the Fed in 2025, potentially leading to the appreciation of long-duration bonds.
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Vanguard Short
Term Corporate
Bond Index
Trend
Range $73.97 - $81.76
The Vanguard Short-Term Corporate Bond Index (VCSH) is a mutual fund that focuses on high-quality corporate bonds with maturities between one and five years. Its primary goal is to provide investors with a stable and moderate level of current income while minimizing exposure to interest rate risk. The fund closely tracks the Bloomberg Barclays U.S. 1-5 Year Corporate Bond Index, which reflects the performance of U.S. dollar-denominated, investment-grade, fixed-rate bonds issued by companies in the industrial, utility, and financial sectors. With a remarkably low expense ratio of 0.04%, far below the industry average, VCSH has consistently outperformed its benchmark. The fund has delivered year-to-date returns of 4.72%, and one-year returns of 4.77%, along with a 12-month dividend yield of 3.97%. It is well-diversified across various sectors, including financials, consumer non-cyclical, communications, and technology. VCSH is an excellent choice for investors seeking income generation while prioritising risk management and liquidity in their portfolios.
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Data Source: Bloomberg
Date: 1st January, 2025

Arun Leslie John
Chief Market Analyst

Deepa Sachanandani
Deputy Head - Research

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The product and investment ideas do not consider the risk profile and financial position of the recipient and may not be suitable for everyone.
Trading in financial markets involves a significant risk of loss, which can exceed deposits. Please read the complete disclaimer carefully.
DISCLAIMER: Century Financial Consultancy LLC (“CFC”) is Limited Liability Company incorporated under the Laws of UAE and is duly licensed and regulated by the Emirates Securities and Commodities Authority of UAE (SCA). This information is for illustrative proposes only and must not be construed to be an advice to invest or otherwise in any investment or financial product. CFC does not guarantee as to adequacy, accuracy, completeness or reliability of any information or data contained herein and under no circumstances whatsoever none of such information or data be construed as an advice or trading strategy or recommendation to deal (Buy/Sell) in any investment or financial product. CFC is not responsible or liable for any result, gain or loss, based on this information, in whole or in part. Please refer to the disclaimer section of the website for full disclosure of the terms and conditions.
Risks & Assumptions
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The strategy might suffer from look-ahead bias which occurs due to use of information or data in a study or simulation that would not have been known or available during the period being analyzed. This can lead to inaccurate results in the study or simulation.
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Future price movements may not be exactly the same as the historical price movements and this could lead to variation in performance.
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Testing can sometimes lead to over-optimization. This is a condition where performance results are tuned so high to the past they are no longer as accurate in the future.
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The model assumes no slippages in trading. Slippage refers to the difference between the expected price of a trade and the price at which the trade is actually executed.
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Drawdowns in actual trading can be higher than the tested system and loses could significant in the event of leverage.
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Unforeseen events can lead to variation in performance from the tested trading strategy.
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The tested result has been computed with price feeds available from Bloomberg.
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The testing environment has not considered transaction or any other costs.
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Trading indicators used for the purpose of testing has been provided by Bloomberg.
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The strategy might suffer from data mining fallacy, selection bias and backfill bias.