Posts for tag #Tech
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.
Part 5 - Cash Equivalents & Gold
June 6, 2026
The post describes allocates 10% to cash using ultra-short bond ETFs, prioritizing EUR-denominated funds. For the 5% gold allocation, it relies on physically-backed ETCs, split evenly between currency-hedged and unhedged options to balance exchange-rate risk against hedging costs.
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.
Part 2 - Which products do I want?
June 6, 2026
This part details executing the portfolio strategy via ETFs. Selection relies on four main criteria: large fund size, low total cost, physical replication, and leading asset managers. An additional fifth is issuer transparency.
Product Explore - Money Market ETFs
May 21, 2026
When planning a portfolio, balance risk and return. Define acceptable losses and target returns clearly, like limiting losses to €10,000 or aiming for inflation-beating growth. Understanding risk tolerance versus risk ability is key.