Smart Portfolio Builder

Build your ideal portfolio based on your age, risk profile, and market conditions. Combines passive ETF investing with active stock selection through the 8-stage filter.

Level 1: Market ConditionsLevel 2: AllocationLevel 3: Fund SelectionLevel 4: How Much to BuyLevel 5: Execution

Your Investment Profile

Based on your profile, we'll calculate your starting allocation. Younger investors get more stocks; older investors get more bonds. A portion goes to real assets like property and commodities for inflation protection.

Bogle formula: 35 - 20 = 15% base bonds

Adjustment: +0% bonds

Starting Allocation Preview

68%

Equities

15%

Bonds

17%

Real Assets (Property, Commodities)

€ 57.200

Year 1 Total

This baseline will be adjusted based on current market conditions.
Use Live Market DataFetch real-time indicators from FRED, Yahoo Finance, and other sources

Framework Overview

Market Conditions: 6 market health indicators determine whether to hold more or fewer stocks.

Allocation: Younger investors get more stocks; older investors get more bonds. A portion goes to real assets like property and commodities, adjusted by market conditions.

Fund Selection: Tax-efficient European ETFs with low fees, large fund size, and transparent holdings.

Execution: Decides whether to invest all at once or gradually, with periodic rebalancing and monthly contribution optimization.

This tool is for educational purposes only. Past performance does not guarantee future results. Always do your own research before investing.