Posts for tag #Basic
Part 1 - Portfolio objectives
June 6, 2026
My retirement portfolio objective: a 6% nominal return over 20 years, dropping to 3% income at a 5% or lower return. Built from 75% stocks, 10% bonds, and cash/gold, with five extra conditions: 40% EUR exposure, underweight US, overweight Asia and emerging markets, 2% distributions and no more than 10 products.
Part 2 - Which products do I want?
June 6, 2026
Turning my target allocation into actual ETFs means screening for five things: fund size and liquidity, low cost and tracking difference, physical replication, leading asset managers with well-known indices, and how transparent the provider is. These criteria then get layered onto my currency and regional constraints from Part 1.
Part 3 - Stocks
June 6, 2026
The exact equity ETFs behind my 75% stock allocation: a 35% Market sleeve and a 40% Dividend and Value sleeve built around three funds eah. I choose to leave my US exposure unhedged - hedging protects in a strong-dollar year, but costs too much over time.
Part 4 - Bonds
June 6, 2026
After 2022 broke the assumption that bonds cushion a stock crash, long term bonds are just 10% of my portfolio: 5% EUR investment-grade corporate bond fund and 5% EM bond fund EUR hedged for extra yield. Worth the risk, in combination with my other assets.