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🧩 Strategy

How do I build an ETF strategy that matches my risk profile and horizon?

Start from your stage of life to estimate a starting equity allocation — higher if you're young and accumulating, more cautious if you're approaching retirement or living off income — then check with the Monte Carlo Simulator over 50 years of real historical data whether that allocation meets your expectations, adjusting the parameters until the result reflects your true risk tolerance.

Start from your stage of life

The Monte Carlo Simulator offers four reference profiles tied to life stage: young saver (100% Global Equities), family in accumulation (80% Equities · 20% Cash), approaching retirement (60% Equities · 40% Cash), and income/drawdown. Pick the one closest to your situation as a starting point, apply its parameters in one click, and check against 50 years of real historical data whether that allocation meets your expectations — you can freely adjust every value afterwards.

Verify, don't guess

The stage-of-life starting point is a guide, not a fixed rule: your true risk tolerance, your specific time horizon, and your goals (growth, protection, income, drawdown) may call for adjustments. Use the simulator to test different combinations of equity allocation, rebalancing thresholds and regular contribution amounts, watching how the P15/P50/P85 scenarios move over a 50-year historical horizon — until the result feels consistent with what you're actually prepared to accept in terms of capital swings.

💡 There's no "correct" allocation in the abstract: there's the one you can actually stick with even during the worst market moments, without abandoning the strategy. Try the Monte Carlo Simulator to find yours.

Put your strategy to the test

Simulate your portfolio over 50 years of real historical data — free, no sign-up required.

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