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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
Visa
Trend
Range $336 - $357
Visa is making progress in diversifying its revenue drivers beyond consumer payments and into value-added services and new money flows. There's potential for double-digit constant-currency adjusted EPS growth amid large partnership renewals and new deals globally, along with positive operating leverage. Digitization of cash and a sizable debit-card portfolio, with market-share gains in new flows such as commercial and cross-border payments, can help fend off economic threats. In its latest earnings, Visa reported a 14% EPS rise to $2.75 per share, beating expectations. Revenue grew 10% to $9.5 billion. Payment volume increased 9%, cross-border transactions rose 16%, and processed transactions grew 11%. Visa also partnered with X to support Elon Musk's vision of an "everything app." The new X Money Account will enable peer-to-peer payments and instant bank transfers via Visa Direct, launching later this year. On the weekly chart, Visa has strong trend line support and is trading above the breakout level of $320.6.
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indeces
Netherlands 25
Trend
Range EUR 887 - EUR 987
The AEX index has surged by over 6% year-to-date and broken out above trendline support on the monthly chart. This notable rally is part of a broader uptrend in European shares observed since the beginning of 2025. Major contributing factors include a critical minerals agreement between the U.S. and Ukraine, strong corporate earnings, and a gradual improvement in investor confidence. In recent years, the region's indices have traded at an increasing discount to U.S. benchmarks, as evidenced by lower price-to-expected-earnings multiples. AEX-heavyweights like Prosus and ASML are contributing to the index’s gains. Prosus holds a significant stake in Chinese tech giant Tencent. Tencent's strong performance, driven by factors such as robust earnings, growth in gaming and cloud computing, and improving investor sentiment toward Chinese equities is driving the shares of Prosus higher. Moreover, robust demand for ASML's semiconductor lithography equipment indicates sustained sales and profit growth in the years ahead.
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forex
EUR/USD
Trend
Range 1.032-1.068
From a technical standpoint, price acceptance can be seen around the 1.052 price mark, suggesting the weakening of the resistance level and, hence, a bullish stance. Additionally, when looking at RSI, a bullish divergence can be observed. Though EURUSD has stayed at the current levels for a few weeks, the RSI has been increasing, again supporting a bullish stance. From a fundamental standpoint, the German elections were held on 23rd February 2025, in which the CDU/CSU alliance led with the exit polls with a 28.5% vote and the second being the AfD with about 20.7% votes, followed by SPD with 16.5%. As no party has secured a majority, a coalition government between the CDU/CSU and the SPD, possibly joined by a third party, the Greens, is expected. Such a formation is expected to pave the way for reforming Germany's "debt brake,” a reform that would support the euro.
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commodities
Gold
Trend
Range $2844 - $3000
Gold continues to rally for a second straight month, extending to record levels above $2950, just a fraction away from the $3000 mark. Safe-haven demand continues to underpin the yellow metal amid worries about Trump’s tariffs leading to a global trade war and impacting US inflation levels. Gold prices have been on the rise for the past eight weeks, marking the longest upward streak since 2020. This impressive rally of about 12% this year has been recently fueled by the largest weekly net inflows into Gold ETFs since 2022. Moreover, China’s central bank expanded its gold reserves by 0.16 million troy ounces in January, marking the third month of rising levels, despite the metal’s high price. Goldman Sachs raised the outlook for the precious metal, citing strong central bank buying to continue this year as well, along with strong investor demand from ETFs, providing a year-end target of $3,100.
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bonds
iShares Core
U.S. Aggregate
Bond ETF
Trend
Range $94.01 - $103.90
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 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, offering the potential for income and capital appreciation.
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iShares iBoxx $
Investment
Grade Corporate
Bond ETF
Trend
Range $104.11 - $115.06
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 4.44%. 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 20+ Year
Treasury Bond
ETF
Trend
Range $87.36 - $96.55
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 fund has delivered one-year returns of 2.33%. The ETF has a 12-month dividend yield of 4.09%, 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 $74.84 - $82.71
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 0.03%, far below the industry average, VCSH has consistently outperformed its benchmark. The fund has delivered one-year returns of 6.59%, along with a 12-month dividend yield of 3.98%. 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: 27th 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.