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Part 8 - Portfolio Management
June 6, 2026
To mitigate sequence-of-returns risk, the strategy separates emergency bank cash from portfolio cash equivalents. It employs a three-tiered drawdown waterfall (organic yields, cash buffers, capital gains harvesting) and practical semi-annual rebalancing whenever asset weights deviate by 10%.
Part 7 - Checking Performance
June 6, 2026
Backtesting indicates the portfolio's 6% return target is realistic alongside low 10% volatility. While backtesting has limitations like overfitting, supplemental checks verify strong fund sizes, zero synthetic ETFs, and 40% Euro exposure, supporting the portfolios overall risk-return profile.
About the blog
This blog is for European retirees that need an income stream from a portfolio of investments. It discusses ways to select assets, organize and guard your investments and do some portfolio management.
The blog's author is a retail investor documenting his investment journey. Not a finance professional or an investment advisor.
For more information on how I set up my portfolio, see here.
Investment Updates
Part 4 - Bonds
June 6, 2026
Addressing post-2022 market risks, the portfolio caps long-term bond exposure at 10%. The setup splits this into 5% safe EUR corporate bonds for stability and 5% Emerging Market bonds for higher income yields.
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