ING DIRECT FONDO NARANJA MODERADO, FI
Cartera
Este fondo se corresponde con los siguientes códigos ISIN: ES0152739001
| Patrimonio | 455.968.730€ |
|---|---|
| Partícipes | 31.082 |
| Patrimonio por partícipe | 14.669,86€ |
Cartera del fondo a 2012-12-31
El fondo invierte en 219 activos diferentes:
| Activo | ISIN | Porcentaje |
|---|---|---|
| DEPOSITOBANCO SABADELL SA 2013-12-31 | 5,71% | |
| DEPOSITOBBVA SPREAD 2,75 2013-08-01 | 4,10% | |
| DEPOSITOBANESTO SPREAD 1,747 2013-01-04 | 4,10% | |
| DEPOSITOBBVA AV SPREAD 1,847 2013-01-04 | 4,10% | |
| DEPOSITOBANESTO SPREAD 1,535 2013-03-15 | 3,27% | |
| DEPOSITOBANESTO SPREAD 2,62 2013-08-03 | 2,05% | |
| DEPOSITOBBVA SPREAD 2,749 2013-08-03 | 2,05% | |
| BONOS ABN AMRO BANK NV VTO 1 2016-04-11 | XS0615797700 | 1,27% |
| DEPOSITOBANESTO 2013-10-11 | 1,22% | |
| OBLIGACIONES BOUYGUES SA VTO 2018-02-12 | FR0010853226 | 1,10% |
| OBLIGACIONES BANK OF AMERICA 2016-06-15 | XS0433130456 | 1,09% |
| OBLIGACIONES METRO AG VTO 05 2015-03-05 | DE000A0XFCT5 | 0,94% |
| OBLIGACIONES BNP PARIBAS 07/ 2027-05-11 | XS0320303943 | 0,89% |
| BONOS BNP PARIBAS VTO 27/11/ 2017-11-27 | XS0798334875 | 0,87% |
| OBLIGACIONES GE CAPITAL EURO 2017-03-01 | XS0491042353 | 0,83% |
| OBLIGACIONES BPCE SA VTO 21/ 2017-07-21 | FR0010921544 | 0,81% |
| BONOS TPSA EUROFINANCE FRANC 2014-05-22 | XS0429817538 | 0,77% |
| OBLIGACIONES CARREFOUR SA VT 2018-10-24 | XS0694766279 | 0,77% |
| OBLIGACIONES COMPAGNIE DE ST 2016-05-31 | FR0010333385 | 0,74% |
| OBLIGACIONES MERRILL LYNCH 2018-09-14 | XS0267828308 | 0,73% |
| BONOS BARCLAYS BANK PLC VTO 2016-03-15 | XS0605207983 | 0,72% |
| BONOS AEGON NV VTO 18/07/201 2017-07-18 | XS0805452405 | 0,70% |
| OBLIGACIONES HSBC HOLDINGS P 2018-03-19 | XS0353643744 | 0,69% |
| BONOS AUTOROUTES PARIS-RHIN- 2015-01-12 | FR0010766857 | 0,67% |
| BONOS VINCI SA VTO 20/02/201 2017-02-20 | FR0011164888 | 0,64% |
| OBLIGACIONES WESTPAC SECURIT 2017-03-20 | XS0494870701 | 0,64% |
| OBLIGACIONES TELSTRA CORP LT 2022-09-21 | XS0760187400 | 0,63% |
| OBLIGACIONES ZURICH FINANCE 2023-10-02 | XS0177601811 | 0,63% |
| BONOS GOLDMAN SACHS GROUP IN 2016-05-09 | XS0625359384 | 0,62% |
| BONOS SOCIETE GENERALE VTO 2 2016-04-20 | XS0618909807 | 0,62% |
| OBLIGACIONES SKANDINAVISKA E 2019-11-14 | XS0854425625 | 0,62% |
| BONOS NORDEA BANK AB VTO 05/ 2017-10-05 | XS0801636571 | 0,60% |
| OBLIGACIONES BNP PARIBAS VTO 2019-08-23 | XS0819738492 | 0,60% |
| BONOS UNIBAIL-RODAMCO SE VTO 2017-06-26 | XS0850006593 | 0,58% |
| OBLIGACIONES VIVENDI SA VTO 2020-01-15 | FR0011365220 | 0,57% |
| BONOS ROYAL BK SCOTLND GRP P 2015-02-10 | XS0745001619 | 0,57% |
| OBLIGACIONES HSBC BANK PLC V 2018-10-24 | XS0695461458 | 0,56% |
| OBLIGACIONES BARCLAYS BANK P 2018-01-23 | XS0342289575 | 0,56% |
| OBLIGACIONES WAL-MART STORES 2029-09-21 | XS0453133950 | 0,53% |
| OBLIGACIONES BNP PARIBAS VTO 2022-10-24 | XS0847433561 | 0,51% |
| BONOS INTESA SANPAOLO SPA VT 2016-01-14 | XS0577347528 | 0,51% |
| BONOS DANSKE BANK A/S VTO 09 2015-07-09 | XS0802067636 | 0,51% |
| BONOS SOCIETE GENERALE VTO 1 2015-07-13 | XS0802756501 | 0,51% |
| BONOS NOMURA EUROPE FINANCE 2014-12-09 | XS0472505287 | 0,50% |
| OBLIGACIONES TDC A/S VTO 02/ 2022-03-02 | XS0752467497 | 0,49% |
| OBLIGACIONES DONG ENERGY A/S 2022-09-19 | XS0829114999 | 0,49% |
| OBLIGACIONES WPP GROUP PLC V 2016-05-12 | XS0362329517 | 0,49% |
| OBLIGACIONES CREDIT SUISSE L 2019-08-05 | XS0444030646 | 0,49% |
| BONOS GAZPROM (GAZ CAPITAL S 2017-03-15 | XS0805582011 | 0,48% |
| OBLIGACIONES AMERICA MOVIL S 2021-07-12 | XS0802174044 | 0,47% |
| BONOS GROUPE BPCE VTO 22/09/ 2015-09-22 | FR0010945006 | 0,47% |
| OBLIGACIONES MORGAN STANLEY 2017-10-02 | XS0323657527 | 0,47% |
| OBLIGACIONES HUTCH WHAMPOA F 2016-11-14 | XS0466303194 | 0,47% |
| OBLIGACIONES ORIGIN ENERGY F 2019-10-11 | XS0841018004 | 0,47% |
| OBLIGACIONES CREDIT AGRICOLE 2018-02-01 | XS0343877451 | 0,46% |
| OBLIGACIONES BARCLAYS BANK P 2021-01-14 | XS0525912449 | 0,46% |
| OBLIGACIONES CITIGROUP INC V 2017-01-30 | XS0284710257 | 0,46% |
| BONOS CAP GEMINI SOGETI VTO 2016-11-29 | FR0011149954 | 0,46% |
| OBLIGACIONES ANGLO AMERICAN 2016-12-02 | XS0470632646 | 0,46% |
| BONOS JPMORGAN CHASE CO VT 2016-06-15 | XS0637844605 | 0,45% |
| OBLIGACIONES BNP PARIBAS VTO 2016-09-16 | XS0542371629 | 0,45% |
| BONOS ING BANK NV VTO 24/05/ 2016-05-24 | XS0629960302 | 0,44% |
| OBLIGACIONES CARLSBERG BREWE 2017-10-13 | XS0548805299 | 0,44% |
| BONOS CITIGROUP INC VTO 26/1 2015-11-26 | XS0563159184 | 0,44% |
| BONOS GECINA VTO 03/02/2016 2016-02-03 | FR0011001361 | 0,44% |
| BONOS BNP PARIBAS VTO 07/03/ 2016-03-07 | XS0599711826 | 0,44% |
| OBLIGACIONES ENI SPA VTO 29/ 2015-06-29 | IT0004503717 | 0,44% |
| OBLIGACIONES ABBEY NATL TREA 2015-10-20 | XS0550978364 | 0,43% |
| OBLIGACIONES KONINKLIJKE KPN 2020-09-21 | XS0543354236 | 0,43% |
| BONOS FINMEC FINANCE SA VTO 2017-12-05 | XS0861828407 | 0,43% |
| BONOS SANTANDER INTL DEBT SA 2016-03-21 | XS0828735893 | 0,43% |
| BONOS ACCOR SA VTO 19/06/201 2017-06-19 | FR0011274026 | 0,42% |
| BONOS CREDIT AGRICOLE LONDON 2015-07-20 | XS0526903827 | 0,42% |
| OBLIGACIONES OMV AG VTO 27/0 2022-09-27 | XS0834367863 | 0,42% |
| BONOS LEASEPLAN CORPORATION 2016-09-19 | XS0829290708 | 0,42% |
| BONOS BPCE SA VTO 24/04/2018 2018-04-24 | FR0011347590 | 0,42% |
| OBLIGACIONES HEINEKEN NV VTO 2020-08-04 | XS0811554962 | 0,41% |
| OBLIGACIONES JPMORGAN CHASE 2019-11-21 | XS0856977144 | 0,41% |
| BONOS XSTRATA FINANCE DUBAI 2016-05-19 | XS0857214968 | 0,41% |
| OBLIGACIONES FRANCE TELECOM 2018-05-22 | XS0365094811 | 0,40% |
| BONOS UBS AG LONDON VTO 18/0 2016-01-18 | XS0732496194 | 0,39% |
| OBLIGACIONES EUTELSAT SA VTO 2019-01-14 | FR0011164664 | 0,39% |
| OBLIGACIONES CARLSBERG BREWE 2019-07-03 | XS0854746772 | 0,38% |
| OBLIGACIONES ROYAL BK OF SCO 2017-01-20 | XS0480133338 | 0,37% |
| OBLIGACIONES ELECTRICITE DE 2022-01-18 | FR0011182641 | 0,37% |
| OBLIGACIONES CARREFOUR SA VT 2015-06-12 | XS0369258412 | 0,36% |
| OBLIGACIONES BANQUE FED CRED 2016-05-31 | XS0255300633 | 0,36% |
| BONOS BANQUE FED CRED MUTUEL 2017-06-21 | XS0794620806 | 0,35% |
| OBLIGACIONES ENEL FINANCE IN 2017-07-12 | XS0647288140 | 0,34% |
| BONOS UNICREDIT SPA VTO 11/0 2015-09-11 | XS0827818203 | 0,34% |
| OBLIGACIONES AXA SA VTO 16/0 2040-04-16 | XS0503665290 | 0,34% |
| BONOS CARREFOUR BANQUE VTO 2 2015-09-25 | XS0833631343 | 0,34% |
| BONOS FCE BANK PLC VTO 03/10 2017-10-03 | XS0838847381 | 0,34% |
| OBLIGACIONES JPMORGAN CHASE 2022-08-24 | XS0820547825 | 0,34% |
| OBLIGACIONES WELLS FARGO C 2022-08-16 | XS0817639924 | 0,34% |
| OBLIGACIONES HAMMERSON PLC V 2019-09-26 | XS0834382151 | 0,34% |
| BONOS UNIONE DI BANCHE ITALI 2015-10-30 | XS0850025627 | 0,33% |
| OBLIGACIONES DEUTSCHE TELEKO 2020-03-16 | XS0494953820 | 0,33% |
| OBLIGACIONES KLEPIERRE VTO 1 2019-09-17 | FR0011321405 | 0,33% |
| OBLIGACIONES RIO TINTO FINAN 2020-05-11 | XS0863129135 | 0,33% |
| OBLIGACIONES HOLCIM US FINAN 2020-09-07 | XS0825829590 | 0,33% |
| BONOS CREDIT AGRICOLE LONDON 2017-10-18 | XS0844529049 | 0,33% |
| OBLIGACIONES MUNICH RE VTO 2 2041-05-26 | XS0608392550 | 0,29% |
| OBLIGACIONES AMGEN INC VTO 1 2019-09-13 | XS0829317832 | 0,29% |
| BONOS SANTANDER INTL DEBT SA 2014-08-12 | XS0531257193 | 0,29% |
| BONOS BMW FINANCE NV VTO 05/ 2018-06-05 | XS0860596575 | 0,29% |
| BONOS RCI BANQUE SA VTO 24/1 2014-11-24 | XS0856173546 | 0,29% |
| OBLIGACIONES COMMONWEALTH BA 2020-02-25 | XS0490013801 | 0,29% |
| BONOS UNICREDIT SPA VTO 11/0 2018-01-11 | XS0863482336 | 0,29% |
| OBLIGACIONES RABOBANK NEDERL 2022-01-11 | XS0728812495 | 0,28% |
| OBLIGACIONES ABN AMRO BANK N 2021-04-27 | XS0619548216 | 0,28% |
| BONOS BAA FUNDING LTD VTO 25 2017-01-25 | XS0736300293 | 0,28% |
| BONOS CASINO GUICHARD PERRAC 2016-04-04 | FR0011124601 | 0,27% |
| OBLIGACIONES TELEFONICA EMIS 2020-01-20 | XS0842214818 | 0,27% |
| OBLIGACIONES ENEL FINANCE IN 2020-03-11 | XS0827692269 | 0,26% |
| BONOS VOLKSWAGEN LEASING GMB 2016-06-03 | XS0633111207 | 0,26% |
| BONOS TELECOM ITALIA SPA VTO 2017-09-20 | XS0831389985 | 0,26% |
| OBLIGACIONES FRANCE TELECOM, 2033-01-28 | FR0000471930 | 0,26% |
| OBLIGACIONES COMPAGNIE DE ST 2021-06-15 | XS0791007734 | 0,25% |
| BONOS ENEL FINANCE INTL NV V 2018-04-17 | XS0842659343 | 0,25% |
| OBLIGACIONES ELSEVIER FIN (E 2020-09-24 | XS0831560742 | 0,25% |
| BONOS FGA CAPITAL IRELAND VT 2014-09-18 | XS0830346374 | 0,25% |
| OBLIGACIONES TELECOM ITALIA 2020-01-21 | XS0868458653 | 0,25% |
| OBLIGACIONES LLOYDS TSB BANK 2020-03-24 | XS0497187640 | 0,23% |
| BONOS CARREFOUR SA VTO 19/12 2017-12-19 | XS0866278921 | 0,23% |
| OBLIGACIONES VIVENDI VTO 01/ 2016-12-01 | FR0010830042 | 0,23% |
| OBLIGACIONES KLEPIERRE VTO 1 2017-04-13 | FR0010885160 | 0,22% |
| BONOS GE CAPITAL EURO FUNDIN 2016-04-04 | XS0612837657 | 0,22% |
| OBLIGACIONES DELTA LLOYD NV 2017-11-17 | XS0559434351 | 0,22% |
| BONOS ASSICURAZIONI GENERALI 2014-11-11 | XS0416215910 | 0,22% |
| BONOS AIB MORTGAGE BANK VTO 2015-12-04 | XS0861589819 | 0,21% |
| OBLIGACIONES RABOBANK NEDERL 2019-05-20 | XS0429484891 | 0,20% |
| OBLIGACIONES ELECTRICITE DE 2024-09-11 | FR0010800540 | 0,19% |
| OBLIGACIONES ALLIANZ FINANCE 2041-07-08 | DE000A1GNAH1 | 0,19% |
| OBLIGACIONES ELECTRICITE DE 2040-11-12 | FR0010961581 | 0,19% |
| OBLIGACIONES BOUYGUES SA VTO 2022-02-09 | FR0011193515 | 0,19% |
| BONOS TELEFONICA EMISIONES S 2017-09-05 | XS0828012863 | 0,19% |
| BONOS LLOYDS TSB BANK PLC VT 2017-02-02 | XS0740795041 | 0,18% |
| OBLIGACIONES ALLIANZ FINANCE 2022-02-14 | DE000A1G0RU9 | 0,18% |
| BONOS VALLOUREC SA VTO 14/02 2017-02-14 | FR0011149947 | 0,18% |
| BONOS IBERDROLA FINANZAS SAU 2016-01-25 | XS0693855750 | 0,18% |
| OBLIGACIONES SSE PLC VTO 15/ 2049-05-15 | XS0829343598 | 0,18% |
| OBLIGACIONES GE CAPITAL EURO 2019-06-18 | XS0794230507 | 0,17% |
| BONOS MORGAN STANLEY VTO 21/ 2017-09-21 | XS0832446230 | 0,17% |
| BONOS FORTIS BANK NEDERLAND 2015-02-03 | XS0483673132 | 0,17% |
| BONOS DNB BANK ASA VTO 21/03 2017-03-21 | XS0761320208 | 0,17% |
| OBLIGACIONES ABB FINANCE BV 2019-03-26 | XS0763122578 | 0,17% |
| OBLIGACIONES ENBW INTL FINAN 2039-07-07 | XS0438844093 | 0,17% |
| OBLIGACIONES UNICREDIT SPA V 2022-10-31 | XS0849517650 | 0,17% |
| OBLIGACIONES A2A SPA VTO 28/ 2019-11-28 | XS0859920406 | 0,17% |
| OBLIGACIONES RENTOKIL INITIA 2019-09-24 | XS0832466931 | 0,17% |
| BONOS INTESA SANPAOLO SPA VT 2017-11-09 | XS0852993285 | 0,17% |
| BONOS TERNA SPA VTO 16/02/20 2018-02-16 | XS0843310748 | 0,17% |
| OBLIGACIONES INTESA SANPAOLO 2019-10-15 | XS0842828120 | 0,17% |
| BONOS IPIC GMTN LTD VTO 30/0 2018-05-30 | XS0860583912 | 0,17% |
| BONOS METRO FINANCE BV VTO 1 2018-05-11 | XS0863116231 | 0,17% |
| OBLIGACIONES SKF AB VTO 11/0 2019-09-11 | XS0827529198 | 0,16% |
| BONOS SNAM SPA VTO 13/11/201 2015-11-13 | XS0853679867 | 0,16% |
| BONOS DANONE VTO 27/11/2017 2017-11-27 | FR0011361948 | 0,16% |
| OBLIGACIONES AKZO NOBEL SWED 2022-07-27 | XS0809847667 | 0,16% |
| OBLIGACIONES ENEXIS HOLDING 2020-11-13 | XS0854400800 | 0,16% |
| BONOS TELECOM ITALIA SPA VTO 2017-01-20 | XS0693940511 | 0,14% |
| OBLIGACIONES EWE AG VTO 04/1 2020-11-04 | XS0699330097 | 0,14% |
| OBLIGACIONES BANK OF AMERICA 2017-04-03 | XS0495891821 | 0,14% |
| BONOS COMMERZBANK AG VTO 10/ 2017-07-10 | DE000CZ40HY9 | 0,13% |
| BONOS UNICREDIT SPA VTO 07/0 2017-03-07 | XS0754588787 | 0,13% |
| OBLIGACIONES UNIBAIL-RODAMCO 2019-03-22 | XS0761713865 | 0,13% |
| OBLIGACIONES CRED SUISSE GP 2013-06-07 | XS0130171159 | 0,13% |
| BONOS ACHMEA HYPOTHEEKBANK N 2016-02-08 | XS0852479996 | 0,13% |
| OBLIGACIONES BANQUE FED CRED 2020-10-22 | XS0548803757 | 0,13% |
| OBLIGACIONES CARGILL INC VTO 2019-09-04 | XS0823954580 | 0,12% |
| OBLIGACIONES WIND ACQUISITIO 2017-07-15 | XS0438150160 | 0,11% |
| OBLIGACIONES UPCB FINANCE II 2020-07-01 | XS0583151682 | 0,10% |
| OBLIGACIONES FRESENIUS US FI 2015-07-15 | XS0390398344 | 0,10% |
| OBLIGACIONES ALLIANZ FINANCE 2019-07-22 | DE000A1AKHB8 | 0,10% |
| OBLIGACIONES HEIDELBERGCEMEN 2017-01-31 | XS0458230322 | 0,10% |
| OBLIGACIONES STANDARD CHARTE 2017-09-26 | XS0323411016 | 0,10% |
| OBLIGACIONES TELENOR ASA VTO 2020-03-26 | XS0498175503 | 0,09% |
| BONOS FCE BANK PLC VTO 17/01 2014-01-17 | XS0466777223 | 0,09% |
| OBLIGACIONES LANXESS FINANCE 2018-05-23 | XS0629645531 | 0,09% |
| OBLIGACIONES PICARD BONDCO V 2018-10-01 | XS0544395808 | 0,09% |
| OBLIGACIONES FIAT INDUSTRIAL 2018-03-09 | XS0604641034 | 0,09% |
| OBLIGACIONES DELTA LLOYD LEV 2042-08-29 | XS0821168423 | 0,09% |
| OBLIGACIONES ZIGGO BOND CO V 2018-05-15 | XS0505541044 | 0,09% |
| BONOS HERTZ HOLDGS NETHERLAN 2015-07-31 | XS0522343101 | 0,09% |
| OBLIGACIONES MOTABILITY OPER 2018-11-30 | XS0742069643 | 0,09% |
| OBLIGACIONES SUNRISE COMMUNI 2018-12-31 | XS0548102531 | 0,09% |
| OBLIGACIONES HANNOVER FINANC 2043-06-30 | XS0856556807 | 0,09% |
| OBLIGACIONES PIAGGIO C SPA 2016-12-01 | XS0471946367 | 0,09% |
| BONOS RCI BANQUE SA VTO 13/0 2015-03-13 | XS0729061795 | 0,09% |
| OBLIGACIONES CONTI-GUMMI FIN 2018-10-15 | DE000A1A1P25 | 0,09% |
| OBLIGACIONES NEXANS SA VTO. 2017-05-02 | FR0010465427 | 0,09% |
| OBLIGACIONES ATLANTIA SPA VT 2020-03-16 | XS0828749761 | 0,09% |
| BONOS MORGAN STANLEY VTO 23/ 2016-02-23 | XS0594515966 | 0,09% |
| OBLIGACIONES ATLAS COPCO AB 2019-03-15 | XS0757310270 | 0,09% |
| OBLIGACIONES ASSICURAZIONI G 2042-12-12 | XS0863907522 | 0,09% |
| OBLIGACIONES BOMBARDIER INC 2021-05-15 | XS0552915943 | 0,09% |
| OBLIGACIONES ENEL FINANCE IN 2016-09-14 | XS0452187759 | 0,09% |
| OBLIGACIONES TEREOS EUROPE V 2014-04-15 | XS0295632847 | 0,09% |
| BONOS HUTCHISON WHAMPOA LTD 2017-06-06 | XS0790010747 | 0,09% |
| OBLIGACIONES BILFINGER BERGE 2019-12-07 | DE000A1R0TU2 | 0,08% |
| OBLIGACIONES EANDIS VTO 30/1 2022-11-30 | BE0002420926 | 0,08% |
| OBLIGACIONES LECTA SA VTO 15 2018-05-15 | XS0780141999 | 0,08% |
| BONOS SANTANDER INTL DEBT SA 2017-03-27 | XS0759014375 | 0,08% |
| OBLIGACIONES ROYAL CARIBBEAN 2014-01-27 | XS0282330868 | 0,08% |
| BONOS COVENTRY BLDG SOCIETY 2017-12-04 | XS0860567477 | 0,08% |
| OBLIGACIONES NARA CABLE FUND 2018-12-01 | XS0550774870 | 0,08% |
| OBLIGACIONES DFS FURNITURE H 2017-07-15 | XS0529078619 | 0,08% |
| OBLIGACIONES TVN FINANCE COR 2017-11-15 | XS0466451548 | 0,07% |
| OBLIGACIONES UNICREDITO ITAL 2017-09-26 | XS0322918565 | 0,07% |
| BONOS INFINIS PLC VTO 15/12/ 2014-12-15 | XS0473912706 | 0,05% |
| OBLIGACIONES EWE AG VTO 16/0 2021-07-16 | DE000A0Z2A12 | 0,05% |
| OBLIGACIONES RHODIA SA VTO 1 2018-05-15 | XS0506721827 | 0,05% |
| OBLIGACIONES ARDAGH GLASS FI 2016-07-01 | XS0435914790 | 0,05% |
| OBLIGACIONES EC FINANCE PLC 2017-08-01 | XS0521356567 | 0,04% |
| BONOS CEGEDIM SA VTO 27/07/2 2015-07-27 | FR0010925172 | 0,04% |
| OBLIGACIONES FIAT FINANCE NO 2017-06-12 | XS0305093311 | 0,04% |
| BONOS FCE BANK PLC VTO 15/01 2013-01-15 | XS0299967413 | 0,04% |
| OBLIGACIONES CODERE FIN LUXE 2015-06-15 | XS0222158767 | 0,03% |
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
ING DIRECT FONDO NARANJA MODERADO, FI
Fondo de inversión armonizado gestionado por AMUNDI IBERIA, SGIIC, S.A.
456,0M
patrimonio
31,1k
partícipes
4, en una escala de 1 al 7
perfil de riesgo