We publish three versions of the portfolio. Basic is two funds — a global equity fund and a global bond fund — that anyone can set up in a few minutes and barely needs to think about afterwards. Standard spreads the same idea across more funds and asset classes (credit, regional equity, gold, crypto), which takes more effort to set up and monitor, but has historically delivered better risk-adjusted performance. Advanced goes a step further: it adds individual stocks and specialist funds, including US-dollar holdings, with the aim of broader diversification and higher returns. It has more moving parts, carries more risk, and is meant to be managed actively — the single stocks and funds in particular need regular review. Note that Advanced’s 3-year and 5-year returns are flattered by a handful of single stocks that have skyrocketed and are unlikely to repeat to the same extent.
| Fund | Target | Weight | Dvd | YTD | 12M | 3Yr | 5Yr | Worst | ISIN | Cur |
|---|
Figures shown are illustrative and not investment advice.
Reading the table
- Target
- The percentage of your total assets you should invest in this asset class.
- Weight
- The percentage of Fixed Income or Equity you should invest in this specific fund.
- Dvd
- The dividend you should expect in the next 12 months from this investment.
- YTD
- The return year to date, including dividends received.
- 12M
- The return over the last 12 months, including dividends received.
- 3Yr
- The return over the last 3 years, including dividends received.
- 5Yr
- The return over the last 5 years, including dividends received.
- Worst
- The losses you can expect from this investment over a 12-month period if things go bad.
- ISIN
- The identifier for the fund, so you can easily give it to your bank and purchase it.
- Cur
- The currency the investment is denominated in. USD holdings add currency exposure on top of the market exposure.