All Articles
Part 6 - Complete portfolio
June 6, 2026
The complete, fund-by-fund blueprint: 14 ETFs and ETCs at a blended cost of about 0.20% a year. Return potential, risk diversification, and underweighting the US all check out - my direct EUR exposure, at just 25.5% against a 40% target, remains the one weak spot.
Part 7 - Checking performance
June 6, 2026
I backtested my retirement portfolio with two independent tools. Both confirm my 6.0-6.4% expected return baseline, with volatility around 10% and a realistic long-run Sharpe ratio near 1. My realised regional allocation (31% Europe, 44% US, 25% Other) also lands almost exactly on target.
Part 8 - Portfolio management
June 6, 2026
Managing a retirement portfolio during withdrawals is different from building it. My approach: a three-tier drawdown waterfall (dividends first, then cash, then harvested gains), rebalancing twice a year with 10% bands, and cash reserves that can cover 24+ months without selling a single equity share in a downturn.
Product Explore - Money Market ETFs
May 21, 2026
If you're holding cash in a broker account and earning little to no interest, EUR money market ETFs could be an option. While not risk-free (e.g., no deposit guarantee and swap-based structure), these products can help you recover lost interest.