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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 $93.5 – 101.5
Walmart, Inc. is a leader in the retail and wholesale business space. It operates through the following business segments: Walmart U.S., Walmart International, and Sam's Club. The stock was up 71% in 2024 due to continued 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 vs. SPX (+24%), there still seems to be room for further growth as Walmart continues to operate with high profitability 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. The stock had a horizontal breakout on the weekly chart which solidifies its bullish outlook.
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indeces
Switzerland 20
Trend
Range CHF 12,010 – CHF 13,160
The SMI index has optimistic earnings growth and valuation potential for 2025, although it requires clarity on U.S. policy uncertainty first. The index's 2025 EPS growth is projected at 9.6%, surpassing the Stoxx 600's 8.4%, primarily driven by insurers and pharmaceutical companies. However, the pharmaceutical sector could face challenges from potential US healthcare reforms under Donald Trump. From a valuation perspective, rerating largely depends on Novartis, Roche, and Nestlé, as other major constituents are already trading at relatively high levels compared to historical averages. The Swiss index's key advantages include its defensive composition, strong thematic focus, and minimal exposure to China. Additionally, its significant dollar exposure could benefit from a potential currency tailwind if the U.S. dollar appreciates against the Swiss franc. The Swiss market is exhibiting its longest winning streak since June 2021 amidst an uptick in demand for defensive stocks. Moreover, Switzerland's economic sentiment index rose to 17.7 points in January, up from -20 points the previous month, signaling the end of five consecutive months of negative readings.
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forex
EUR/USD
Trend
Range 1.02585 – 1.06235
In the weekly timeframe, the currency pair broke out on a downward trendline, suggesting a bullish outlook. Additionally, the currency pair is trading at the fib confluence support at the price level of 1.03850-1.04110. Looking at fundamentals, in the US, at its meeting on 29th January 2025, the Fed kept its interest rates unchanged and maintained a dovish stance; this was well evident from the reaction from the bond markets as the US two-year yields were where they were just before the statement hit at 4.21%. Looking at the Eurozone, amid expectations of easing wage pressures and recession worries in 2025, though the ECB is expected to cut its interest rates, it must be noted that the ECB has not changed from its dovish stance in the previous months, suggesting the dovish stance from the Fed could overpower that of the ECB.
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commodities
Gold
Trend
Range $2689.20 - $2830
Gold is expected to rise by about 5.60% in January, staging a strong comeback after closing two months in the red. Prices are back to about a percentage away from all-time high levels, while suggesting continued bullish momentum staying above the 200 and 100 SMA levels. Growing uncertainties regarding Trump’s policies triggering a trade war and impacting global growth have sparked a flight to safety, with investors looking at safe-haven instruments like Gold to safeguard against volatility. Trump has been vocal for his support for lower interest rates around the world, causing the U.S. dollar to fall back to the 107 levels. A weaker dollar bodes well for precious metals like Gold which are priced in dollars. Additionally, total gold held by ETFs during the month rose 0.2% to 83 million ounces, indicating the investment demand for the precious metal. On the technical front, prices are likely to rally further if the all-time high level of $2,790 is broken.
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bonds
iShares Core U.S.
Aggregate Bond
ETF
Trend
Range $94.4 - $100.4
The iShares Core U.S. Aggregate Bond ETF (AGG) is a prominent fund that closely tracks the Bloomberg Barclays U.S. Aggregate Bond Index, o ering 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-e ciency, boasting a low expense ratio of 0.03%, well below industry standards, and manages about $120 billion in assets. AGG has delivered one-year returns of 2.51%, with a 12-month dividend yield of 3.74%. This makes it an attractive option for investors seeking broad exposure to U.S. bonds with minimal costs, o ering the potential for income and capital appreciation.
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iShares iBoxx
$ Investment
Grade Corporate
Bond ETF
Trend
Range $103 - $112
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, o ering 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 4.44%. 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 iBoxx
$ High Yield
Corporate Bond
ETF
Trend
Range $76.7 - $82.7
The iShares iBoxx $ High Yield Corporate Bond ETF (HYG) is designed to mirror a broad index of U.S. dollar-denominated high-yield corporate bonds. Its primary goal is to o er investors access to the high-yield bond market's potentially high returns and diversification benefits. HYG holds over 1,000 bonds across various sectors and credit ratings, with substantial allocations in the 3-5 year and 5-7 year maturity ranges. The fund has posted year-to-date returns of 1.16% and one-year returns of 9.44%. It also features an attractive 12-month dividend yield of 5.94% and a low expense ratio of 0.49%, making it particularly appealing to income-focused investors. While HYG carries a moderate risk profile—characterized by higher credit risk and the volatility typical of high-yield bonds—it o ers the potential for enhanced returns. Additionally, its lower correlation with other fixed-income and equity markets can improve the overall risk-return balance, making HYG a compelling option for those seeking a well-rounded and diversified portfolio.
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Vanguard
Short-Term
Corporate Bond
Index
Trend
Range $77.4 - $79.4
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 one-year returns of 5.15%, along with a 12-month dividend yield of 3.96%. 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 February, 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.