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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
Procter & Gamble
Trend
Range $168.69- $189.60
Procter & Gamble (P&G), a leading American consumer goods company with brands like Tide, Pampers, and Gillette, continues to showcase its global presence and focus on innovation and consumer satisfaction. For the quarter ending September 30, 2024, P&G’s net sales dipped 1% to $21.74 billion, although organic revenue, which excludes foreign exchange, acquisitions, and divestitures, rose 2%, driven by higher prices. Notably, eight out of ten product categories grew or maintained their organic sales, reflecting strong market performance. Additionally, 28 of the top 50 category/country combinations either expanded or held market share. Core earnings per share (EPS) increased 5% year-over-year. The company also delivered robust adjusted free cash flow productivity at 82%. Looking ahead, P&G reaffirmed its sales growth guidance of 2%-4% and core EPS growth of 5%-7%, maintaining its strong earnings and dividend outlook. These factors position P&G as a solid investment for long-term and income-focused investors.
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indeces
Switzerland 20
Trend
Range CHF 11,400 -
CHF 12,100
Although the index has fallen for three straight months, it has still risen 4.9% so far this year, well on track for its best year since 2021. Despite rallying 8.6% over the past 52-weeks, the index is still 6.4% lower than its 52-week high that was recorded on 30 August 2024, with ample room for further gains. In recent months, the strength in the Swiss franc exerted pressure on the index, which is composed of exporters. A stronger Swiss franc makes Swiss exports more expensive and less competitive abroad. However, since inflation has remained close to the lower end of the SNB’s target band between 0% and 2% for the past 17 months, the central bank is well-prepared to slash interest rates further. Markets see a 72% chance of a 25-bps rate cut in December, versus a 28% probability of a 50-basis point rate cut. The central bank is also prepared to reintroduce negative interest rates if required to damper investor appetite for its safe-haven currency.
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forex
EUR/CHF
Trend
Range 0.90749 to 0.95649
The Swiss National Bank (SNB) is aiming to weaken the franc, as its recent strength has put pressure on the Swiss index, which heavily features exporters. A stronger franc raises the cost of Swiss exports, making them less competitive internationally. With inflation remaining near the lower end of the SNB's 0%-2% target range for the past 17 months, the central bank is well-positioned to cut interest rates further. Markets currently assign a 72% probability to a 25-basis-point rate cut in December, compared to a 28% chance of a 50-basis-point cut. Additionally, the SNB is ready to reintroduce negative interest rates if needed to curb demand for its safe-haven currency. Meanwhile, the Euro is holding onto its strongest rally in four months after hawkish comments from a European Central Bank (ECB) policymaker. ECB board member Isabel Schnabel emphasized that rate cuts should be gradual and aim for neutral rather than accommodative levels. This prompted investors to scale back their expectations for rate reductions.
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commodities
Gold
Trend
Range $2,580-$2,742
The yellow metal has rallied 35% this year driven by central bank buying, geopolitical tensions, inflation hedging, and rate cut expectations. However, gold was down 4% in November as a clean sweep Trump victory sent the dollar and treasury yields up. This was because Trump’s policies are expected to be inflationary due to potential high import tariffs, low taxes, and a desire for low borrowing costs. However, gold is expected to recover from the recent retracement due to strong investment and OTC demand. Total gold demand also rose 5% YoY in Q3, driven by a 132% increase in investments over the year, and is expected to stay strong. Although consumer demand has slowed down since last year, global ETF flows have turned positive for the first time since Q1 22. Moreover, given that Trump’s tariff and tax policies are inflationary and could possibly spur a trade war with China, safe haven and inflation hedge demand for gold could increase.
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bonds
iShares Core
U.S. Aggregate
Bond ETF
Trend
Range $93.86 - $103.75
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 over $120 billion in assets. AGG has delivered year-to-date returns of 2.65%, and a one-year return of 7.07%, with a 12-month dividend yield of 3.60%. 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 $104.37 - $115.36
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 posted year-to-date returns of 2.99%, and a one-year return of 8.74%, along with a 12-month dividend yield of 4.34%. 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 $88.35 - $97.66
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 delivered a one-month return of 1.29%. With a low expense ratio of 0.15% and a 12-month dividend yield of 3.95%, combined with a strong history of dividend growth, TLT is an appealing choice for investors who expect a policy shift from the Fed in 2024, potentially leading to the appreciation of long-duration bonds.
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Vanguard Short
Term Corporate
Bond Index
Trend
Range $74.58 - $82.43
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 4.84%, and one-year returns of 7.27%, along with a 12-month dividend yield of 3.80%. 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 prioritizing risk management and liquidity in their portfolios.
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Data Source: Bloomberg
Date:1st December, 2024

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.