An ultra-defensive all-weather portfolio designed for maximum capital preservation with minimal equity exposure. The allocation emphasizes global government bonds (82%) as the core anchor, complemented by a small equity allocation (12%) to MSCI World for long-term growth potential, and physical gold (6%) as an inflation hedge and safe haven asset. This conservative strategy targets risk-averse investors seeking stability, wealth preservation, and protection against market volatility, with annual rebalancing to maintain target allocations. The EUR-hedged government bonds provide predictable returns while minimizing currency risk.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
DBZB.XETRA Xtrackers II Global Government Bond UCITS ETF 1C EUR Hedged • LU0378818131 | ETF | 82.0% | 0.25% |
EUNL.XETRA iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983 | ETF | 12.0% | 0.2% |
XAD1.XETRA Xtrackers Physical Gold EUR Hedged ETC • DE000A1EK0G3 | ETF | 6.0% | 0.59% |
| Total | 100.0% | 0.26% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +0.8% | +1.7% | -3.2% | +1.9% | - | - | - | - | - | - | - | - | +1.1% |
| 2025 | +1.2% | +0.7% | -1.0% | +0.9% | -0.3% | +0.5% | +0.0% | +0.5% | +1.6% | +1.4% | +0.3% | -0.2% | +5.8% |
| 2024 | -0.1% | -0.4% | +1.5% | -1.7% | +0.5% | +1.3% | +1.8% | +0.9% | +1.1% | -0.9% | +1.6% | -1.4% | +4.2% |
| 2023 | +2.5% | -1.8% | +2.4% | +0.3% | -0.4% | +0.0% | -0.1% | -0.5% | -2.3% | -0.5% | +3.3% | +3.1% | +5.9% |
| 2022 | -2.0% | -0.8% | -1.3% | -2.9% | -1.4% | -2.2% | +2.9% | -3.1% | -3.7% | -0.2% | +1.6% | -2.0% | -14.1% |
| 2021 | -0.6% | -1.9% | +0.7% | +0.3% | +0.4% | +0.7% | +1.6% | +0.1% | -1.5% | +0.7% | +0.9% | -0.2% | +1.1% |
| 2020 | +1.9% | +0.1% | -1.1% | +1.9% | +0.1% | +0.4% | +1.4% | -0.5% | +0.1% | -0.5% | +0.7% | +0.6% | +5.3% |
| 2019 | +1.5% | +0.3% | +1.5% | -0.0% | +0.6% | +2.0% | +1.0% | +2.4% | -0.6% | -0.4% | -0.1% | -0.1% | +8.3% |
| 2018 | -0.5% | -0.4% | +0.5% | -0.3% | +0.3% | -0.1% | -0.3% | +0.2% | -0.6% | -0.6% | +0.4% | +0.2% | -1.2% |
| 2017 | -0.5% | +1.4% | -0.2% | +0.4% | +0.1% | -0.7% | +0.0% | +0.8% | -0.4% | +0.4% | +0.1% | +0.1% | +1.4% |
| 2016 | +1.1% | +1.6% | +0.5% | +0.1% | +0.3% | +2.6% | +0.5% | -0.6% | -0.1% | -1.4% | -1.4% | +0.4% | +3.5% |
| 2015 | +3.5% | -0.3% | +0.8% | -1.1% | -0.1% | -1.6% | +1.0% | -1.1% | +0.1% | +1.4% | +0.1% | -0.8% | +1.6% |
| 2014 | +1.2% | +1.1% | -0.2% | +0.4% | +1.1% | +0.7% | +0.3% | +1.5% | -0.4% | +0.4% | +1.2% | +0.6% | +8.3% |
| 2013 | -0.2% | +0.7% | +1.2% | +0.4% | -1.4% | -1.8% | +0.9% | -0.3% | +0.6% | +1.0% | -0.1% | -0.6% | +0.3% |
| 2012 | +1.5% | +0.5% | +0.0% | -0.1% | +0.6% | +0.2% | +1.4% | +0.2% | +0.5% | -0.4% | +0.7% | -0.3% | +5.0% |
| 2011 | -0.7% | +0.5% | -0.5% | +1.2% | +0.8% | -0.5% | +1.4% | +1.6% | +0.1% | +0.3% | +0.4% | +0.6% | +5.4% |
| 2010 | - | - | - | - | - | - | -0.1% | +2.3% | +0.1% | +0.0% | -0.2% | +0.1% | +2.2% |