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% | +0.8% | +1.0% | -0.3% | -1.5% | +0.7% | -0.7% | - | - | - | -0.8% |
| 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% |
Ultra-Defensive Global Portfolio returned +2.48% a year over the 16 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.