All Articles
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.
Part 6 - Complete Portfolio
June 6, 2026
The post presents the final 14-product retirement portfolio, achieving a 0.21% weighted TER. By tweaking dividend fund allocations, Euro exposure reaches ~30%. Not the target but acceptable. The setup successfully balances the target 6% nominal return with downside protection and good regional allocation.