One-fund multi-asset 80/20
A single ready-made fund of funds holding about 80% equity and 20% bonds, rebalanced by the issuer.
Target weights
- 100% Multi-asset
Historical risk statistics
Derived at build time from month-end prices of proxy ETFs (listed below), converted to each base currency, rebalanced monthly. CAGR = compound annual growth rate. Volatility = annualised standard deviation of monthly returns. Max drawdown = largest peak-to-trough fall in month-end value. These are historical facts about proxies, not forecasts, and they exclude trading costs and taxes.
| Base | Window (longest common) | CAGR | Volatility | Max drawdown | Worst calendar year | Best calendar year | Common window* |
|---|---|---|---|---|---|---|---|
| USD | 2021-01 – 2026-09 5.8 yrs · trough 2022-09 | 8.6% | 12.6% | -24.6% | -18.6% (2022) | 21.9% | 2021-01 → CAGR 8.6%, vol 12.6%, MDD -24.6% |
| EUR | 2021-01 – 2026-09 5.8 yrs · trough 2022-12 | 10.1% | 10.3% | -13.5% | -13.5% (2022) | 20.6% | 2021-01 → CAGR 10.1%, vol 10.3%, MDD -13.5% |
| GBP | 2021-01 – 2026-09 5.8 yrs · trough 2022-06 | 9.1% | 9.4% | -11.0% | -8.8% (2022) | 13.8% | 2021-01 → CAGR 9.1%, vol 9.4%, MDD -11.0% |
| SGD | 2021-01 – 2026-09 5.8 yrs · trough 2022-09 | 7.9% | 10.0% | -20.2% | -19.1% (2022) | 17.4% | 2021-01 → CAGR 7.9%, vol 10.0%, MDD -20.2% |
| CHF | 2021-01 – 2026-09 5.8 yrs · trough 2022-09 | 7.5% | 11.2% | -19.6% | -17.8% (2022) | 20.1% | 2021-01 → CAGR 7.5%, vol 11.2%, MDD -19.6% |
*Common window = the period over which every non-multi-asset portfolio has data in that base currency (USD from 2019-03, EUR from 2017-12, GBP from 2017-12, SGD from 2019-03, CHF from 2018-05). Use it for like-for-like comparison. Data: Yahoo Finance daily adjusted close prices via the open-source yfinance library, downloaded at build time. Only derived statistics are published. Last month-end used: 2026-09-30.
Proxies used for the statistics
| Building block | USD | EUR | GBP | SGD | CHF |
|---|---|---|---|---|---|
| Multi-asset | Vanguard LifeStrategy 80% Equity UCITS ETF Acc (EUR, Xetra) V80A.DE | Vanguard LifeStrategy 80% Equity UCITS ETF Acc (EUR, Xetra) V80A.DE | Vanguard LifeStrategy 80% Equity UCITS ETF Acc (EUR, Xetra) V80A.DE | Vanguard LifeStrategy 80% Equity UCITS ETF Acc (EUR, Xetra) V80A.DE | Vanguard LifeStrategy 80% Equity UCITS ETF Acc (EUR, Xetra) V80A.DE |
ETF options for each building block
The base currency changes the statistics and which exchange line is shown first (for example SIX in CHF, Xetra in EUR, London in GBP or USD). It does not change the fund: every line of an ETF is the same fund. ETFs with no line trading in your base currency are still listed, marked, and placed after those that have one. Base, fund and trading currency explained.
For each slot we list every ETF in our curated list that matches your filters. The order is neutral: lowest TER first, then larger fund size, then longer track record. Being listed first is not a recommendation. Check the issuer documents (KID, prospectus) and your broker's availability before acting.
100% · Multi-asset (fund of funds)
| # | ETF | TER | Type | Fund size | Since | Listings (ticker, exchange, trading currency) – USD line first |
|---|---|---|---|---|---|---|
| Vanguard LifeStrategy 80% Equity UCITS ETF (EUR) AccumulatingIE00BMVB5R75 · Vanguard · Ireland | 0.25% | AccumulatingPhysical | EUR 1.4bnas of 2026-10-21 | 2020-12 | V80A (Xetra, EUR) no USD listing, trades in EUR on XetraV80A (Euronext AMS, EUR) · VNGA80 (Borsa Italiana, EUR) | |
| Vanguard LifeStrategy 80% Equity UCITS ETF (EUR) DistributingIE00BMVB5S82 · Vanguard · Ireland | 0.25% | DistributingPhysical | EUR 1.4bnas of 2026-10-21 | 2020-12 | V80D (Xetra, EUR) no USD listing, trades in EUR on XetraV80D (Euronext AMS, EUR) · VNGD80 (Borsa Italiana, EUR) |
Rebalancing
Over time, the actual weights drift away from the targets as markets move. The statistics above assume a return to target weights every month. Many investors rebalance less often (for example once a year, or when a weight drifts by more than about 5 percentage points), or direct new contributions to the underweight fund. Each trade can trigger costs and, in some countries, taxes. Rules vary by country and tax residence; this is general information, not tax advice.
A multi-asset fund of funds is rebalanced internally by the issuer, so no rebalancing trades are needed by the holder.