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2 portfolios • Best risk-adjusted portfolio: Retirement 75/25 (1.70 Sharpe, +16.3%/year)

Retirement 75/25 - Euro Focus

Diversified ETF portfolio for retirement income: 75% global equities, 20% bonds, 5% gold, targeting 6% returns with 4% annual withdrawals.

+16.0%

VGWD25%

SPPE21.5%

VDIV10%

IS3M10%

IBC38.5%

EMBE5%

DXSA5%

EUN55%

SGLD5%

XSX75%

Exp. Ratio

0.20%

Volatility

8.4%

Sharpe

1.67

DD

12.5%

Retirement 75/25

Diversified ETF portfolio for retirement income: 75% global equities, 20% bonds, 5% gold, targeting 6% returns with 4% annual withdrawals.

+16.3%

VGWD25%

SPY521.5%

VDIV10%

IS3M10%

IBC38.5%

SGLD5%

XSX75%

EUN55%

EMBE5%

DXSA5%

Exp. Ratio

0.20%

Volatility

8.4%

Sharpe

1.70

DD

13.5%