Built for decumulation over a planned 20-year retirement window, targeting a 6% nominal return. Provides a 4% annual income withdrawal while leaving 2% invested to offset inflation. Characteristics: underweight US, overweight Emerging Markets & Europe, EUR exposure minimal 30%, Total Expense Ratio (TER) 0.21% per year, focus on physical fund replication.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
XDEV.XETRA Xtrackers MSCI World Value UCITS ETF 1C • IE00BL25JM42 | ETF | 16.0% | 0.25% |
VGWD.XETRA Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10 | ETF | 16.0% | 0.29% |
SPY5.XETRA State Street SPDR S&P 500 UCITS ETF USD Unhedged (Dist) • IE00B6YX5C33 | ETF | 12.0% | 0.03% |
EXUS.XETRA Xtrackers MSCI World ex USA UCITS ETF 1C • IE0006WW1TQ4 | ETF | 10.5% | 0.15% |
IS3M.XETRA iShares EUR Ultrashort Bond UCITS ETF EUR (Dist) • IE00BCRY6557 | ETF | 10.0% | 0.09% |
VDIV.XETRA VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594 | ETF | 9.0% | 0.38% |
EUN5.XETRA iShares Core EUR Corporate Bond UCITS ETF (Dist) • IE00B3F81R35 | ETF | 5.0% | 0.09% |
DXSA.XETRA Xtrackers Euro Stoxx Quality Dividend UCITS ETF 1D • LU0292095535 | ETF | 4.0% | 0.3% |
XSX7.XETRA Xtrackers Stoxx Europe 600 UCITS ETF 1D • LU2581375156 | ETF | 3.8% | 0.07% |
IBC3.XETRA iShares Core MSCI Emerging Markets IMI UCITS ETF • IE00BD45KH83 | ETF | 3.7% | 0.18% |
SGLD.AS Invesco Physical Gold ETC • IE00B579F325 | ETC | 2.5% | 0.12% |
VGEM.XETRA Vanguard USD Emerging Markets Government Bond UCITS ETF Distributing • IE00BZ163L38 | ETF | 2.5% | 0.23% |
XAD1.XETRA Xtrackers Physical Gold EUR Hedged ETC • DE000A1EK0G3 | ETF | 2.5% | 0.59% |
EMBE.LSE iShares J.P. Morgan Emerging Markets Bond EUR Hedged UCITS • IE00B9M6RS56 | ETF | 2.5% | 0.5% |
| Total | 100.0% | 0.21% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.2% | +3.7% | -4.6% | +5.1% | +4.7% | +1.0% | +0.6% | - | - | - | - | - | +14.2% |
| 2025 | +4.3% | +1.2% | -2.8% | -2.5% | +3.7% | -0.1% | +2.5% | +1.3% | +2.2% | +3.1% | +1.4% | +1.6% | +16.9% |
| 2024 | - | - | +2.6% | -1.0% | +1.2% | +0.9% | +1.9% | -0.1% | +1.3% | -0.0% | +3.5% | -1.3% | +9.4% |
Total Dividends Received
€580.65
120 payments
Dividend Yield
2.09%
(annualized)
Avg Per Payment
€4.84
per event
All dividends are automatically reinvested at the payment date. The portfolio value shown includes the compounding effect of dividend reinvestment.
| Year | Dividends |
|---|---|
| 2026 | €124.57 |
| 2025 | €242.85 |
| 2024 | €213.26 |
| Total | €580.65 |