Which model portfolio fits you?
Compare 4 common portfolio strategies side by side — using the same starting capital, monthly savings rate and horizon.
Methodology
The 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.
What does this mean for your real wealth?
The result above holds for the assumptions you entered. Whether it looks the same with your real portfolio, you can see in Planafolio — for free.
Check my portfolio allocationThe 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%
What does the result mean?
The comparison shows how different allocations develop in the model with the same contribution. In reality a higher expected return comes with larger swings – this model does not show them.
Model assumptions
- Fixed return assumptions per asset class, no historical backtest; volatility and rebalancing are not modelled.
- The return stays constant for the whole period. Real markets fluctuate; losing years are not part of the model.
- Taxes on returns (German flat tax, advance lump sum) are not deducted.
- Fund costs, order fees and spreads are not deducted.
- All amounts are nominal. Purchasing power falls with inflation, which the result does not reflect.
How the calculator works
Each allocation gets a weighted average return from fixed assumptions per asset class and is simulated month by month, as in the savings plan calculator.
More on the methodologyWorked example
Example: four model portfolios with the same savings rate
Same starting capital, same savings rate, same duration; only the allocation differs. These are the default values of the comparison above.
Inputs
- Starting capital€5,000
- Monthly contribution€200
- Duration20 years
Calculation
| Paid into each portfolio | €53,000 |
|---|---|
| Weighted return World Portfolio (broad market) (assumption) | 7.3% |
| Weighted return 80/20 Portfolio (assumption) | 6.2% |
| Weighted return 60/40 Portfolio (assumption) | 5.4% |
| Weighted return All-World (100% equities) (assumption) | 7% |
Result
| Final balance World Portfolio (broad market) | €125,494 |
|---|---|
| Final balance 80/20 Portfolio | €109,395 |
| Final balance 60/40 Portfolio | €99,142 |
| Final balance All-World (100% equities) | €120,856 |
World Portfolio (broad market) and 60/40 Portfolio end up €26,352 apart. The difference comes solely from the assumed asset class returns; this calculation does not reflect the higher volatility of equity-heavy portfolios.
The returns per asset class are disclosed assumptions (see above), not a backtest and not a forecast.
Sources and status
Content reviewed on September 29, 2026.
- § 20 EStG – Einkünfte aus Kapitalvermögen (im Rechner nicht versteuert)
- § 20 InvStG – Teilfreistellung
The calculation is a simplified model under the stated assumptions and is not investment or tax advice.
What can I do?
Compare the model portfolios with the actual allocation of your portfolio.
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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