Conservative portfolio

WEM Bond Ladder

The WEM Bond Ladder strategy invests in government, investment-grade, and high-yield bonds with varying maturities. This approach provides predictable income, flexibility, and effective risk management. Diversifying maturities reduces interest rate risk and ensures liquidity through regular repayments. Proceeds from matured bonds can be reinvested, allowing the strategy to adapt to changing interest rates. It is ideal for conservative investors seeking stability, capital preservation, and regular income.

Average annual yield *

3.72% p.a.

Overall yield *

5.74%

* The overall yield and the average annual yield represent data for the period from 01.01.2022 to 31.03.2025

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.

Investing through a combination of bonds and ETFs offers risk diversification, regular cash flow through coupons, and a predefined return when held to maturity. Compared to direct bond investments, it also allows for a lower minimum investment, making it more accessible to a broader range of investors.

Currency EUR/USD
Asset Class Bonds
Risk level 2 – 4 (low to medium risk)
Investičný horizont 1+ years
Optimal deposit ** EUR 10,000

* 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 5,000.

Portfolio performance

Profit/Loss Performance
2024 6.50%
Since Inception 8.96%
Entry fee 1 1% of each deposit
Exit fee -
Conversion fee 0.25%
Management fee2 0.06%

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