Which model portfolio fits you?
Compare 4 common portfolio strategies side by side — using the same starting capital, monthly savings rate and horizon.
Methodology
My assumptions — disclosed transparently
Each portfolio's return is derived from these assumed, not historically verified, per-asset-class values.
Global equities (MSCI World / FTSE All-World)
7%
Emerging markets equities (MSCI Emerging Markets)
8%
Bonds
3%
These percentages are assumed, long-term nominal returns — not historical backtested data and no guarantee for the future. They exist solely as a transparent input to the model below.
| Portfolio | Assumed return p.a. | Contributed | Returns | Final capital |
|---|---|---|---|---|
| World Portfolio (broad market) | 7.3% | €53,000.00 | €72,494.00 | €125,494.00 |
| 80/20 Portfolio | 6.2% | €53,000.00 | €56,395.00 | €109,395.00 |
| 60/40 Portfolio | 5.4% | €53,000.00 | €46,142.00 | €99,142.00 |
| All-World (100% equities) | 7% | €53,000.00 | €67,856.00 | €120,856.00 |
Model calculation with simplified, constant return assumptions — not investment advice, no guarantee of future returns.
The 4 portfolios
Allocation and philosophy
Each portfolio at a glance — including its assumed return and weighting.
Aggressive
World Portfolio (broad market)
- MSCI World70%
- MSCI Emerging Markets30%
Growth
80/20 Portfolio
- Equity ETF80%
- Bond ETF20%
Balanced
60/40 Portfolio
- Equity ETF60%
- Bond ETF40%
Aggressive
All-World (100% equities)
- FTSE All-World / MSCI ACWI100%
Frequently asked
Questions about the model portfolios
No — these are static model calculations with fixed assumed returns, not real, continuously updated portfolios and not historical price data.
They're plausible, long-term nominal estimates per asset class (e.g. 7% global equities, 8% emerging markets, 3% bonds) — disclosed in the methodology above, not derived from a real historical dataset.
That depends on your risk tolerance and investment horizon: a higher equity share historically means higher expected growth with larger swings, a higher bond share means more stability. This page doesn't replace individual advice.
Model calculation with simplified assumptions, not investment advice, no guarantee of future returns.
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