Your matched options
Based on your answers, you want to grow your savings over time over 10 years with €0. We suggest a balanced mix led by equity ETFs — designed to match your comfort with risk while keeping your money working.
TOTAL PORTFOLIO PROJECTION
after 10 years →
~€0
of which compounding
+€0
+NaN% free growth
Suggested portfolio split
Want to experiment with your allocation?
Move the sliders and see three scenarios — your answers are carried over.
Equity ETF
Global stocks via a single fund
A fund that holds shares in hundreds of companies worldwide. You own a small piece of many businesses at once — if one fails, the others carry on.
Avg. yearly return
6–9%
Risk level
Medium – high
Access
Within days
What could go wrong: In a major crisis (like 2008) the fund value can drop 30–40% temporarily. It historically recovered within 3–5 years.
Bond fund
Government & corporate bonds
A mix of loans to governments and large companies. They pay you interest regularly and are much calmer than stocks. Your money grows slowly but steadily.
Avg. yearly return
3–5%
Risk level
Low – medium
Access
Within days
What could go wrong: If interest rates rise sharply, bond values can temporarily fall 5–10%. This usually recovers over 1–2 years.
Gold ETF
Physical gold exposure, no storage
A gold ETF tracks the gold price without you needing to store anything physically. Gold has protected family wealth for centuries and holds its value when everything else falls.
Avg. yearly return
6–9%
Risk level
Medium
Access
Within days
What could go wrong: Gold pays no dividends. In calm economic periods it can sit flat for years. Keep this to 10–20% of your portfolio.
Cash savings
Bank deposit or money market fund
The safest place for money you might need soon. A bank savings account or money market fund pays modest interest while keeping your capital fully safe.
Avg. yearly return
1–4%
Risk level
Very low
Access
Anytime
What could go wrong: Cash loses purchasing power to inflation quietly every year. €10,000 today buys significantly less in 10 years.
What to do next
Read the "What could go wrong" section for your top option carefully.
Verify your chosen broker on the regulator's official website before depositing anything.
Start with a small amount and test one withdrawal before moving real savings.
Set a calendar reminder to review your portfolio in 3 months — not sooner.
This is educational information, not financial advice. Past returns do not guarantee future results. All projections shown are illustrative estimates. Before investing, consult a licensed financial advisor.