BBVA BOLSA DESARROLLO SOSTENIBLE, FI
Cartera
Este fondo se corresponde con los siguientes códigos ISIN: ES0125459034
| Patrimonio | 95.740.000€ |
|---|---|
| Partícipes | 6.734 |
| Patrimonio por partícipe | 14.217,40€ |
Cartera del fondo a 2018-09-30
El fondo invierte en 276 activos diferentes:
| Activo | ISIN | Porcentaje |
|---|---|---|
| LETRAS|UNITED STATES OF AME|2,415|2019-04-25 | US912796QC69 | 3,75% |
| ACCIONES|CITIZENS FINANCIAL G | US1746101054 | 1,11% |
| ACCIONES|TELUS CORP | CA87971M1032 | 1,07% |
| ACCIONES|ELI LILLY & CO | US5324571083 | 1,07% |
| ACCIONES|NESTE OYJ | FI0009013296 | 1,05% |
| ACCIONES|ALLIANCE DATA SYSTEM | US0185811082 | 1,04% |
| ACCIONES|RED HAT INC | US7565771026 | 1,04% |
| ACCIONES|SEAGATE TECHNOLOGY P | IE00B58JVZ52 | 0,96% |
| ACCIONES|BROADRIDGE FINANCIAL | US11133T1034 | 0,95% |
| ACCIONES|CLOROX CO/THE | US1890541097 | 0,95% |
| ACCIONES|HP INC | US40434L1052 | 0,94% |
| ACCIONES|SUNTRUST BANKS INC | US8679141031 | 0,93% |
| ACCIONES|KEYCORP | US4932671088 | 0,89% |
| ACCIONES|GILEAD SCIENCES INC | US3755581036 | 0,89% |
| ACCIONES|MICROSOFT CORP | US5949181045 | 0,88% |
| ACCIONES|CA INC | US12673P1057 | 0,87% |
| ACCIONES|AGILENT TECHNOLOGIES | US00846U1016 | 0,87% |
| ACCIONES|CVS HEALTH CORP | US1266501006 | 0,86% |
| ACCIONES|NATIONAL BANK OF CAN | CA6330671034 | 0,86% |
| ACCIONES|REPSOL SA | ES0173516115 | 0,84% |
| ACCIONES|ABBVIE INC | US00287Y1091 | 0,84% |
| ACCIONES|GLOBAL PAYMENTS INC | US37940X1028 | 0,83% |
| ACCIONES|ZOETIS INC | US98978V1035 | 0,81% |
| ACCIONES|FIFTH THIRD BANCORP | US3167731005 | 0,78% |
| ACCIONES|KOHL'S CORP | US5002551043 | 0,76% |
| ACCIONES|ACCENTURE PLC | IE00B4BNMY34 | 0,75% |
| ACCIONES|MICRON TECHNOLOGY IN | US5951121038 | 0,75% |
| ACCIONES|BEIERSDORF AG | DE0005200000 | 0,75% |
| ACCIONES|LONZA GROUP AG | CH0013841017 | 0,72% |
| ACCIONES|XEROX CORP | US9841216081 | 0,72% |
| ACCIONES|LEIDOS HOLDINGS INC | US5253271028 | 0,71% |
| ACCIONES|MACY'S INC | US55616P1049 | 0,71% |
| ACCIONES|TARGET CORP | US87612E1064 | 0,70% |
| ACCIONES|COGNIZANT TECHNOLOGY | US1924461023 | 0,69% |
| ACCIONES|LIBERTY BROADBAND CO | US5303073051 | 0,66% |
| ACCIONES|BEST BUY CO INC | US0865161014 | 0,66% |
| ACCIONES|DXC TECHNOLOGY CO | US23355L1061 | 0,63% |
| ACCIONES|WESTERN UNION CO/THE | US9598021098 | 0,62% |
| ACCIONES|GLAXOSMITHKLINE PLC | GB0009252882 | 0,62% |
| ACCIONES|CENTENE CORP | US15135B1017 | 0,61% |
| ACCIONES|DOLLAR GENERAL CORP | US2566771059 | 0,59% |
| ACCIONES|CDK GLOBAL INC | US12508E1010 | 0,59% |
| ACCIONES|KANSAS CITY SOUTHERN | US4851703029 | 0,59% |
| ACCIONES|KELLOGG CO | US4878361082 | 0,57% |
| ACCIONES|VOYA FINANCIAL INC | US9290891004 | 0,57% |
| ACCIONES|WESTERN DIGITAL CORP | US9581021055 | 0,57% |
| ACCIONES|LAM RESEARCH CORP | US5128071082 | 0,56% |
| ACCIONES|INTERPUBLIC GROUP OF | US4606901001 | 0,55% |
| ACCIONES|ORION OYJ | FI0009014377 | 0,54% |
| ACCIONES|SANOFI | FR0000120578 | 0,53% |
| ACCIONES|GENUINE PARTS CO | US3724601055 | 0,53% |
| ACCIONES|MAGNA INTERNATIONAL | CA5592224011 | 0,52% |
| ACCIONES|METRO INC | CA59162N1096 | 0,51% |
| ACCIONES|DIAGEO PLC | GB0002374006 | 0,50% |
| ACCIONES|MEDTRONIC PLC | IE00BTN1Y115 | 0,50% |
| ACCIONES|CSX CORP | US1264081035 | 0,49% |
| ACCIONES|ANDEAVOR | US03349M1053 | 0,48% |
| ACCIONES|DARDEN RESTAURANTS I | US2371941053 | 0,48% |
| ACCIONES|BECTON DICKINSON AND | US0758871091 | 0,48% |
| ACCIONES|PEUGEOT SA | FR0000121501 | 0,47% |
| ACCIONES|BANK OF IRELAND GROU | IE00BD1RP616 | 0,46% |
| ACCIONES|VALERO ENERGY CORP | US91913Y1001 | 0,45% |
| ACCIONES|GEORGE WESTON LTD | CA9611485090 | 0,45% |
| ACCIONES|ONEOK INC | US6826801036 | 0,45% |
| ACCIONES|APPLIED MATERIALS IN | US0382221051 | 0,44% |
| ACCIONES|BUNGE LTD | BMG169621056 | 0,44% |
| ACCIONES|DISCOVER FINANCIAL S | US2547091080 | 0,43% |
| ACCIONES|KDDI CORP | JP3496400007 | 0,43% |
| ACCIONES|CIGNA CORP | US1255091092 | 0,42% |
| ACCIONES|WHITBREAD PLC | GB00B1KJJ408 | 0,40% |
| ACCIONES|DELTA AIR LINES INC | US2473617023 | 0,40% |
| ACCIONES|ALLY FINANCIAL INC | US02005N1000 | 0,39% |
| ACCIONES|ROYAL CARIBBEAN CRUI | LR0008862868 | 0,38% |
| ACCIONES|CARDINAL HEALTH INC | US14149Y1082 | 0,38% |
| ACCIONES|SUNCOR ENERGY INC | CA8672241079 | 0,37% |
| ACCIONES|ASSOCIATED BRITISH F | GB0006731235 | 0,37% |
| ACCIONES|H&R BLOCK INC | US0936711052 | 0,36% |
| SOCIMI|AGNC INVESTMENT CORP | US00123Q1040 | 0,36% |
| ACCIONES|T ROWE PRICE GROUP I | US74144T1088 | 0,36% |
| ACCIONES|UNITED OVERSEAS BANK | SG1M31001969 | 0,35% |
| ACCIONES|WILLIAMS COS INC/THE | US9694571004 | 0,34% |
| ACCIONES|SYNCHRONY FINANCIAL | US87165B1035 | 0,34% |
| ACCIONES|EDISON INTERNATIONAL | US2810201077 | 0,34% |
| ACCIONES|INDUSTRIAL ALLIANCE | CA4558711038 | 0,34% |
| ACCIONES|PEMBINA PIPELINE COR | CA7063271034 | 0,33% |
| ACCIONES|EATON CORP PLC | IE00B8KQN827 | 0,33% |
| ACCIONES|SUN LIFE FINANCIAL I | CA8667961053 | 0,33% |
| ACCIONES|BANKINTER SA | ES0113679I37 | 0,33% |
| ACCIONES|FORTIS INC/CANADA | CA3495531079 | 0,32% |
| ACCIONES|AERCAP HOLDINGS | NL0000687663 | 0,32% |
| ACCIONES|GENERAL MILLS INC | US3703341046 | 0,32% |
| ACCIONES|RAIFFEISEN BANK INTE | AT0000606306 | 0,32% |
| ACCIONES|KEYERA CORP | CA4932711001 | 0,32% |
| ACCIONES|BNP PARIBAS SA | FR0000131104 | 0,32% |
| ACCIONES|STEEL DYNAMICS INC | US8581191009 | 0,32% |
| ACCIONES|BENDIGO & ADELAIDE B | AU000000BEN6 | 0,31% |
| ACCIONES|SUNCORP GROUP LTD | AU000000SUN6 | 0,31% |
| ACCIONES|METHANEX CORP | CA59151K1084 | 0,31% |
| ACCIONES|CHEMOURS CO/THE | US1638511089 | 0,31% |
| ACCIONES|KBC GROUP NV | BE0003565737 | 0,31% |
| ACCIONES|TYSON FOODS INC | US9024941034 | 0,31% |
| ACCIONES|DAIICHI SANKYO CO LT | JP3475350009 | 0,30% |
| ACCIONES|ALFRESA HOLDINGS COR | JP3126340003 | 0,30% |
| ACCIONES|ENBRIDGE INC | CA29250N1050 | 0,30% |
| ACCIONES|ARC RESOURCES LTD | CA00208D4084 | 0,30% |
| ACCIONES|FINNING INTERNATIONA | CA3180714048 | 0,30% |
| ACCIONES|CAPGEMINI SE | FR0000125338 | 0,30% |
| ACCIONES|BANCO BILBAO VIZCAYA | ES0113211835 | 0,30% |
| ACCIONES|WESFARMERS LTD | AU000000WES1 | 0,29% |
| ACCIONES|PARKER-HANNIFIN CORP | US7010941042 | 0,29% |
| ACCIONES|MAZDA MOTOR CORP | JP3868400007 | 0,29% |
| ACCIONES|CELANESE CORP | US1508701034 | 0,29% |
| ACCIONES|BANK OF QUEENSLAND L | AU000000BOQ8 | 0,29% |
| ACCIONES|TECK RESOURCES LTD | CA8787422044 | 0,29% |
| ACCIONES|CIE GENERALE DES ETA | FR0000121261 | 0,28% |
| ACCIONES|SWISS LIFE HOLDING A | CH0014852781 | 0,28% |
| ACCIONES|CI FINANCIAL CORP | CA1254911003 | 0,28% |
| ACCIONES|TRANSCANADA CORP | CA89353D1078 | 0,28% |
| ACCIONES|MACQUARIE GROUP LTD | AU000000MQG1 | 0,28% |
| ACCIONES|ALTAGAS LTD | CA0213611001 | 0,28% |
| ACCIONES|FORTUM OYJ | FI0009007132 | 0,27% |
| ACCIONES|UPM-KYMMENE OYJ | FI0009005987 | 0,27% |
| ACCIONES|TELIA CO AB | SE0000667925 | 0,27% |
| ACCIONES|PACCAR INC | US6937181088 | 0,27% |
| ACCIONES|ALLEGION PLC | IE00BFRT3W74 | 0,27% |
| ACCIONES|JOHNSON CONTROLS INT | IE00BY7QL619 | 0,27% |
| ACCIONES|SOMPO HOLDINGS INC | JP3165000005 | 0,27% |
| ACCIONES|BRIDGESTONE CORP | JP3830800003 | 0,27% |
| ACCIONES|STORA ENSO OYJ | FI0009005961 | 0,26% |
| ACCIONES|NEXT PLC | GB0032089863 | 0,26% |
| ACCIONES|NN GROUP NV | NL0010773842 | 0,26% |
| ACCIONES|AEGON NV | NL0000303709 | 0,26% |
| ACCIONES|STANLEY BLACK & DECK | US8545021011 | 0,25% |
| ACCIONES|EXELON CORP | US30161N1019 | 0,25% |
| ACCIONES|WEST FRASER TIMBER C | CA9528451052 | 0,25% |
| ACCIONES|MANPOWERGROUP INC | US56418H1005 | 0,25% |
| ACCIONES|FERGUSON PLC | JE00BFYFZP55 | 0,24% |
| ACCIONES|TELE2 AB | SE0005190238 | 0,24% |
| ACCIONES|KONINKLIJKE DSM NV | NL0000009827 | 0,24% |
| ACCIONES|WESTROCK CO | US96145D1054 | 0,24% |
| ACCIONES|MERIDIAN ENERGY LTD | NZMELE0002S7 | 0,24% |
| ACCIONES|SONOVA HOLDING AG | CH0012549785 | 0,23% |
| ACCIONES|LEGAL & GENERAL GROU | GB0005603997 | 0,23% |
| ACCIONES|BLUESCOPE STEEL LTD | AU000000BSL0 | 0,23% |
| ACCIONES|GIVAUDAN SA | CH0010645932 | 0,23% |
| ACCIONES|MARUBENI CORP | JP3877600001 | 0,23% |
| ACCIONES|LINCOLN NATIONAL COR | US5341871094 | 0,23% |
| ACCIONES|REINSURANCE GROUP OF | US7593516047 | 0,23% |
| ACCIONES|ENTERGY CORP | US29364G1031 | 0,22% |
| ACCIONES|ASTELLAS PHARMA INC | JP3942400007 | 0,22% |
| ACCIONES|HUGO BOSS AG | DE000A1PHFF7 | 0,22% |
| ACCIONES|ATOS SE | FR0000051732 | 0,22% |
| ACCIONES|ORANGE SA | FR0000133308 | 0,22% |
| ACCIONES|KONINKLIJKE PHILIPS | NL0000009538 | 0,22% |
| ACCIONES|AMERICAN ELECTRIC PO | US0255371017 | 0,22% |
| SOCIMI|NATIONAL RETAIL PROP | US6374171063 | 0,22% |
| ACCIONES|XCEL ENERGY INC | US98389B1008 | 0,22% |
| ACCIONES|MANULIFE FINANCIAL C | CA56501R1064 | 0,22% |
| ACCIONES|ZURICH INSURANCE GRO | CH0011075394 | 0,22% |
| SOCIMI|HOST HOTELS & RESORT | US44107P1049 | 0,22% |
| ACCIONES|ARKEMA SA | FR0010313833 | 0,21% |
| ACCIONES|KINNEVIK AB | SE0008373906 | 0,21% |
| ACCIONES|BARRATT DEVELOPMENTS | GB0000811801 | 0,21% |
| ACCIONES|STMICROELECTRONICS N | NL0000226223 | 0,21% |
| SOCIMI|PROLOGIS INC | US74340W1036 | 0,21% |
| SOCIMI|DUKE REALTY CORP | US2644115055 | 0,20% |
| ACCIONES|RWE AG | DE0007037129 | 0,20% |
| ACCIONES|TAYLOR WIMPEY PLC | GB0008782301 | 0,20% |
| ACCIONES|HONDA MOTOR CO LTD | JP3854600008 | 0,20% |
| SOCIMI|MID-AMERICA APARTMEN | US59522J1034 | 0,20% |
| ACCIONES|EMERA INC | CA2908761018 | 0,20% |
| ACCIONES|KAO CORP | JP3205800000 | 0,20% |
| ACCIONES|MITSUI & CO LTD | JP3893600001 | 0,19% |
| ACCIONES|HASBRO INC | US4180561072 | 0,19% |
| ACCIONES|SUMITOMO CORP | JP3404600003 | 0,19% |
| ACCIONES|BRIGHTHOUSE FINANCIA | US10922N1037 | 0,19% |
| SOCIMI|H&R REAL ESTATE INVE | CA4039254079 | 0,19% |
| ACCIONES|GARMIN LTD | CH0114405324 | 0,19% |
| ACCIONES|FIRST CAPITAL REALTY | CA31943B1004 | 0,19% |
| ACCIONES|SANDVIK AB | SE0000667891 | 0,19% |
| ACCIONES|FUJI ELECTRIC CO LTD | JP3820000002 | 0,18% |
| ACCIONES|3I GROUP PLC | GB00B1YW4409 | 0,18% |
| ACCIONES|PVH CORP | US6936561009 | 0,18% |
| ACCIONES|UNUM GROUP | US91529Y1064 | 0,18% |
| ACCIONES|SEEK LTD | AU000000SEK6 | 0,18% |
| ACCIONES|NORSK HYDRO ASA | NO0005052605 | 0,17% |
| ACCIONES|ITOCHU CORP | JP3143600009 | 0,17% |
| ACCIONES|SCHNEIDER ELECTRIC S | FR0000121972 | 0,17% |
| ACCIONES|VOLVO AB | SE0000115446 | 0,17% |
| SOCIMI|VENTAS INC | US92276F1003 | 0,17% |
| ACCIONES|YAMAHA CORP | JP3942600002 | 0,17% |
| ACCIONES|NOKIA OYJ | FI0009000681 | 0,17% |
| ACCIONES|OWENS CORNING | US6907421019 | 0,17% |
| ACCIONES|TOYOTA TSUSHO CORP | JP3635000007 | 0,17% |
| ACCIONES|NATIONAL GRID PLC | GB00BDR05C01 | 0,16% |
| ACCIONES|VOESTALPINE AG | AT0000937503 | 0,16% |
| ACCIONES|COVESTRO AG | DE0006062144 | 0,16% |
| ACCIONES|BRENNTAG AG | DE000A1DAHH0 | 0,16% |
| ACCIONES|ORIX CORP | JP3200450009 | 0,16% |
| ACCIONES|FORTESCUE METALS GRO | AU000000FMG4 | 0,16% |
| ACCIONES|RANDSTAD NV | NL0000379121 | 0,16% |
| ACCIONES|JULIUS BAER GROUP LT | CH0102484968 | 0,16% |
| ACCIONES|NATIXIS SA | FR0000120685 | 0,16% |
| ACCIONES|BOUYGUES SA | FR0000120503 | 0,15% |
| ACCIONES|SSE PLC | GB0007908733 | 0,15% |
| ACCIONES|RESONA HOLDINGS INC | JP3500610005 | 0,15% |
| ACCIONES|FUJITSU LTD | JP3818000006 | 0,15% |
| ACCIONES|INTERTEK GROUP PLC | GB0031638363 | 0,15% |
| ACCIONES|SKF AB | SE0000108227 | 0,15% |
| ACCIONES|REXEL SA | FR0010451203 | 0,15% |
| ACCIONES|ORIGIN ENERGY LTD | AU000000ORG5 | 0,15% |
| SOCIMI|ICADE | FR0000035081 | 0,14% |
| ACCIONES|ROYAL MAIL PLC | GB00BDVZYZ77 | 0,14% |
| ACCIONES|HITACHI HIGH-TECHNOL | JP3678800008 | 0,14% |
| ACCIONES|AOZORA BANK LTD | JP3711200000 | 0,14% |
| ACCIONES|OSAKA GAS CO LTD | JP3180400008 | 0,13% |
| ACCIONES|CONCORDIA FINANCIAL | JP3305990008 | 0,13% |
| ACCIONES|HITACHI LTD | JP3788600009 | 0,13% |
| ACCIONES|J SAINSBURY PLC | GB00B019KW72 | 0,13% |
| ACCIONES|INFORMA PLC | GB00BMJ6DW54 | 0,13% |
| ACCIONES|KIRIN HOLDINGS CO LT | JP3258000003 | 0,13% |
| ACCIONES|MITSUBISHI TANABE PH | JP3469000008 | 0,13% |
| ACCIONES|KONAMI HOLDINGS CORP | JP3300200007 | 0,13% |
| ACCIONES|SUMCO CORP | JP3322930003 | 0,13% |
| ACCIONES|J FRONT RETAILING CO | JP3386380004 | 0,12% |
| ACCIONES|TRAVIS PERKINS PLC | GB0007739609 | 0,12% |
| ACCIONES|MEBUKI FINANCIAL GRO | JP3117700009 | 0,12% |
| ACCIONES|WHIRLPOOL CORP | US9633201069 | 0,12% |
| ACCIONES|OMRON CORP | JP3197800000 | 0,12% |
| ACCIONES|SEIKO EPSON CORP | JP3414750004 | 0,12% |
| ACCIONES|WEST JAPAN RAILWAY C | JP3659000008 | 0,12% |
| ACCIONES|MITSUBISHI GAS CHEMI | JP3896800004 | 0,12% |
| SOCIMI|BRITISH LAND CO PLC/ | GB0001367019 | 0,11% |
| ACCIONES|SEKISUI CHEMICAL CO | JP3419400001 | 0,11% |
| ACCIONES|NABTESCO CORP | JP3651210001 | 0,11% |
| ACCIONES|HOYA CORP | JP3837800006 | 0,11% |
| ACCIONES|EUTELSAT COMMUNICATI | FR0010221234 | 0,10% |
| ACCIONES|COCA-COLA AMATIL LTD | AU000000CCL2 | 0,10% |
| ACCIONES|LENDLEASE GROUP | AU000000LLC3 | 0,10% |
| SOCIMI|JAPAN RETAIL FUND IN | JP3039710003 | 0,10% |
| ACCIONES|YANGZIJIANG SHIPBUIL | SG1U76934819 | 0,10% |
| ACCIONES|COMPUTERSHARE LTD | AU000000CPU5 | 0,10% |
| ACCIONES|TELSTRA CORP LTD | AU000000TLS2 | 0,10% |
| ACCIONES|AURIZON HOLDINGS LTD | AU000000AZJ1 | 0,10% |
| ACCIONES|FLIGHT CENTRE TRAVEL | AU000000FLT9 | 0,10% |
| ACCIONES|SEKISUI HOUSE LTD | JP3420600003 | 0,10% |
| ACCIONES|DEUTSCHE POST AG | DE0005552004 | 0,10% |
| ACCIONES|DEUTSCHE LUFTHANSA A | DE0008232125 | 0,09% |
| ACCIONES|NOMURA REAL ESTATE H | JP3762900003 | 0,09% |
| ACCIONES|SINGAPORE PRESS HOLD | SG1P66918738 | 0,09% |
| ACCIONES|WPP PLC | JE00B8KF9B49 | 0,09% |
| ACCIONES|KYUSHU RAILWAY CO | JP3247010006 | 0,09% |
| ACCIONES|JAPAN AIRLINES CO LT | JP3705200008 | 0,09% |
| SOCIMI|ASCENDAS REAL ESTATE | SG1M77906915 | 0,09% |
| ACCIONES|HEALTHSCOPE LTD | AU000000HSO1 | 0,09% |
| ACCIONES|METRO AG | DE000BFB0019 | 0,09% |
| ACCIONES|JFE HOLDINGS INC | JP3386030005 | 0,09% |
| ACCIONES|DAIWA HOUSE INDUSTRY | JP3505000004 | 0,09% |
| ACCIONES|MCDONALD'S HOLDINGS | JP3750500005 | 0,09% |
| ACCIONES|ADECCO GROUP AG | CH0012138605 | 0,09% |
| ACCIONES|NH FOODS LTD | JP3743000006 | 0,08% |
| ACCIONES|YAMADA DENKI CO LTD | JP3939000000 | 0,08% |
| ACCIONES|TABCORP HOLDINGS LTD | AU000000TAH8 | 0,08% |
| ACCIONES|INPEX CORP | JP3294460005 | 0,08% |
| ACCIONES|ANA HOLDINGS INC | JP3429800000 | 0,08% |
| ACCIONES|WHARF HOLDINGS LTD/T | HK0004000045 | 0,08% |
| ACCIONES|WHEELOCK & CO LTD | HK0020000177 | 0,08% |
| ACCIONES|MITSUBISHI CHEMICAL | JP3897700005 | 0,08% |
| SOCIMI|STOCKLAND | AU000000SGP0 | 0,08% |
| ACCIONES|SHIMAMURA CO LTD | JP3358200008 | 0,07% |
| ACCIONES|MITSUI CHEMICALS INC | JP3888300005 | 0,07% |
| ACCIONES|KERRY PROPERTIES LTD | BMG524401079 | 0,07% |
| ACCIONES|TAIHEIYO CEMENT CORP | JP3449020001 | 0,07% |
| ACCIONES|YUE YUEN INDUSTRIAL | BMG988031446 | 0,07% |
| ACCIONES|TOSOH CORP | JP3595200001 | 0,06% |
| ACCIONES|MODERN TIMES GROUP M | SE0000412371 | 0,01% |
Tenga en cuenta que el informe de cartera del fondo hace referencia a cierre del mercado del día y en ningún caso los activos que aparecen aquí están ponderados durante las sesiones del trimestre anterior
BBVA BOLSA DESARROLLO SOSTENIBLE, FI
Fondo de inversión armonizado gestionado por BBVA ASSET MANAGEMENT, S.A., SGIIC
95,7M
patrimonio
6,7k
partícipes
5, en una escala de 1 al 7
perfil de riesgo