A conservative bond mutual fund portfolio prioritizing capital preservation and low volatility through short-duration and high-quality fixed income. The allocation emphasizes eurozone government short-duration bonds (40%) as the core holding, complemented by floating rate notes (25%) for interest rate protection, cash/liquidity funds (20%) for stability, short-duration corporate credit (10%), and a minimal short-term high-yield allocation (5%). This buy-and-hold strategy targets investors seeking stable income with minimal risk and capital protection.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
LU0408877925 JPM Euro Government Short Duration Bond I Acc EUR • LU0408877925 | FUND | 40.0% | 0.25% |
LU0034353002 DWS Floating Rate Notes LC • LU0034353002 | FUND | 25.0% | 0.26% |
IE00B44QSK78 BlackRock Institutional Cash Series Euro Liquidity Fund Select Acc EUR • IE00B44QSK78 | FUND | 20.0% | 0.1% |
LU0451400914 Axa Wf Euro Credit Short Duration • LU0451400914 | FUND | 10.0% | 0.75% |
LU0726357444 Pictet-EUR Short Term High Yield I EUR • LU0726357444 | FUND | 5.0% | 0.73% |
| Total | 100.0% | 0.30% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +0.3% | +0.2% | -0.6% | +0.4% | +0.4% | +0.2% | -0.0% | +0.1% | -0.2% | - | - | - | +0.7% |
| 2025 | +0.3% | +0.4% | +0.1% | +0.4% | +0.2% | +0.2% | +0.2% | +0.2% | +0.1% | +0.3% | +0.1% | +0.1% | +2.7% |
| 2024 | +0.2% | +0.0% | +0.4% | +0.1% | +0.3% | +0.3% | +0.6% | +0.4% | +0.5% | +0.1% | +0.5% | +0.2% | +3.9% |
| 2023 | +0.5% | -0.2% | +0.4% | +0.3% | +0.3% | -0.1% | +0.5% | +0.3% | +0.1% | +0.4% | +0.7% | +0.8% | +4.1% |
| 2022 | -0.1% | -0.3% | -0.3% | -0.5% | -0.2% | -0.7% | +0.5% | -0.6% | -0.7% | +0.1% | +0.4% | -0.3% | -2.7% |
| 2021 | -0.1% | -0.1% | +0.1% | -0.0% | -0.0% | -0.0% | +0.1% | -0.0% | -0.0% | -0.2% | +0.0% | -0.0% | -0.3% |
| 2020 | +0.1% | -0.2% | -2.1% | +0.7% | +0.4% | +0.4% | +0.2% | +0.1% | +0.1% | +0.1% | +0.2% | -0.0% | -0.3% |
| 2019 | +0.1% | +0.1% | +0.2% | +0.1% | -0.1% | +0.3% | +0.1% | +0.1% | -0.1% | -0.1% | -0.1% | +0.0% | +0.6% |
| 2018 | -0.1% | -0.0% | +0.0% | -0.0% | -0.4% | +0.1% | +0.0% | -0.2% | -0.0% | -0.0% | -0.1% | -0.0% | -0.7% |
| 2017 | -0.1% | +0.1% | -0.1% | +0.1% | +0.1% | -0.1% | +0.1% | +0.0% | +0.0% | +0.1% | -0.1% | -0.1% | +0.0% |
| 2016 | +0.0% | -0.0% | +0.1% | +0.1% | +0.1% | +0.0% | +0.1% | +0.1% | -0.0% | -0.1% | -0.1% | +0.1% | +0.5% |
| 2015 | +0.1% | +0.2% | +0.0% | +0.0% | +0.0% | -0.2% | +0.2% | -0.1% | -0.1% | +0.2% | +0.1% | -0.1% | +0.4% |
| 2014 | +0.2% | +0.2% | +0.1% | +0.1% | +0.1% | +0.2% | +0.1% | +0.2% | -0.1% | -0.1% | +0.1% | +0.0% | +1.1% |
| 2013 | - | - | - | - | - | - | - | - | - | - | +0.1% | -0.0% | +0.0% |
Conservative Bond Mutual Fund Portfolio returned +0.77% a year over the 13 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.