Conservative portfolio

WEM Investment Grade Bonds

This portfolio invests in U.S. corporate bonds which have been assigned a quality of BBB or higher by Fitch credit agency through investments in ETF funds.

Average annual yield *

3.37 % p.a.

Overall yield *

32.54 %

* The overall yield and the average annual yield represent data for the period from 1 January 2015 to 30 June 2023.

Average annual yield

The average annual yield is calculated as the geometric average of gross returns for individual years of the investment period. This figure accounts for compound interest rates (i.e. a reinvestment of portfolio returns) as well as possible fluctuations of returns over the investment period, therefore is suitable to represent a portfolio performance.

Overall yield

The overall yield is an actual (gross) rate of return on investment over the investment period. The overall yield accounts for compound interest, capital gains and dividends.

Benchmark

A benchmark is generally an index against which a performance of a comparable fund or a portfolio is compared to. Hence benchmarks for individual WEM portfolios differ based on their specifications, risk level and geographical focus.
After selecting a benchmark from a dropdown list, the bottom performance chart will show you an overview of the alpha - the portfolio outperformance over a selected benchmark over a selected investment period.
Portfolios with no available benchmark will only have the "NONE" option available.

Gross and net performance

Gross performance is calculated as the total return on an investment before fees, commissions and taxes and includes compound interest, capital gains and dividends.
Net performance is gross performance net of fees, commissions, and taxes.

Current performance

Current performance shows gross performance for the selected investment period.

Graph legend

The upper chart shows the performance of the portfolio for the selected investment period. The bottom chart shows the performance of the portfolio since its inception.
You can also see the current performance on the graph. Please note that the value of current yield on the graphs and the overall yield might not match, as the overall yield is calculated based on a specific and predefined period.

This portfolio invests in U.S. corporate bonds which have been assigned a quality of BBB or higher by Fitch credit agency through investments in ETF funds.

Geographical focus US
Diversification More than 1000 companies
Risk level 4, medium risk
Target gross performance* > 3% p.a.
Investment horizon 3 years +
Optimal deposit ** EUR 30,000

* Calculated on the basis of historical performance before the deduction of fees, commissions and taxes.

** The optimal investment amount is an internally determined value sufficient for effective investment of the deposit. The minimum investment amount is EUR 10,000.

Entry fee 1 1% from each deposit
Exit fee -
Conversion fee 0.24%
Portfolio performance (p.a.) Management fee 2 Success fee 3 Performance fee 4
- 0.06% - -

1. The entry fee is a third party fee and is paid in full to the financial agent who mediated the conclusion of the Portfolio Management Agreement. WEM is entitled to charge the fee.

2. The management fee is charged monthly, as a percentage of the average value of the client portfolio for the given month. The fee does not include third party fees (e.g. stock exchange fees, bank fees, etc.).

3. 5. High-water mark is a principle of charging fees based on their highest cumulative past peak value. In this case, a fee will only be charged if the portfolio reaches a higher value of its cumulative returns or only from the part that exceeds the previous highest cumulative value of returns. Applied here is the sliding high-water mark for the past 2 periods (2 years).