Model portfolios are pre-defined investment strategies that allocate your funds across different asset classes. Each portfolio is designed for a different risk level and investment objective, so you can choose one that fits your preferences.
Which model portfolios are available?
1. Conservative Bonds Portfolio
Focus: Capital preservation with low risk
60% cash (Fidelity EUR QMMF)
20% iShares Core EUR Corporate Bond UCITS ETF
20% iShares Global High Yield Corporate Bond UCITS ETF
2. Balanced Bonds Portfolio
Focus: Balanced income and moderate risk
40% cash (Fidelity EUR QMMF)
30% iShares Core EUR Corporate Bond UCITS ETF
30% iShares Global High Yield Corporate Bond UCITS ETF
3. High Yield Bonds Portfolio
Focus: Higher income with higher risk
80% iShares Global High Yield Corporate Bond UCITS ETF
20% cash (Fidelity EUR QMMF)
4. All Weather Portfolio
Inspired by Ray Dalio's framework from Bridgewater — the world's largest hedge fund. Built not to predict the future, but to be ready for any version of it. Five asset classes, one goal: steady growth whether markets boom, bust, inflate, or deflate. Historically delivered solid returns with far less volatility than a pure equity portfolio — a smoother ride you can actually stick with. Performance figures shown are based on a simulated historical model backtest and are not actual fund returns. Past performance is not a reliable indicator of future results.
40% Amundi EUR GovBond 15+Y UCITS ETF Acc
30% iShares Core MSCI World UCITS ETF
10% Amundi Euro GovBond 7-10Y UCITS ETF Acc
7.5% iShares Physical Gold ETC
7.5% iShares Diversified Commodity Swap UCITS ETF
5% Cash (Fidelity EUR QMMF)
5. Permanent Portfolio
Harry Browne's 1980s classic: four pillars (stocks, bonds, gold, cash), each thriving in a different economic season. Over 40 years of live track record. When one pillar falls, another rises. That's the whole point. Positive returns in nearly every rolling 3-year window — through dot-com, 2008, and 2022.
25% iShares Core S&P 500 UCITS ETF
25% iShares € Govt Bond 15-30yr UCITS ETF
25% iShares Physical Gold ETC
20% iShares USD Treasury Bond 7-10yr UCITS
5% Cash (Fidelity EUR QMMF)