Information only – not investment advice. Not for US persons. Past performance does not predict future returns. Read the disclaimer
Lazy UCITS
For non-US investors · Europe · UK · Switzerland · Singapore · Asia

Lazy portfolios.
Low costs.
UCITS ETFs.

Simple one-to-three-fund model portfolios, side by side in five currencies. All published, none picked for you.

Explore portfolios → Take the 1-minute quiz

Read the monthly notes →

  • 16model portfolios
  • 133ETFs & ETCs
  • 8issuers
  • 5base currencies

What 10,000 became · two-fund mixes

Growth of 10,000 USD from Nov 2017 to Sep 2026: 80% equity 22,386, 60% equity 19,108, 40% equity 16,205, 20% equity 13,654. Simulated, before costs and taxes. 5k10k15k20k25k 20182020202220242026 22,386 80% equity 19,108 60% equity 16,205 40% equity 13,654 20% equity Growth of 10,000 EUR from Nov 2017 to Sep 2026: 80% equity 22,381, 60% equity 18,284, 40% equity 14,846, 20% equity 11,982. Simulated, before costs and taxes. 5k10k15k20k25k 20182020202220242026 22,381 80% equity 18,284 60% equity 14,846 40% equity 11,982 20% equity Growth of 10,000 GBP from Nov 2017 to Sep 2026: 80% equity 22,251, 60% equity 18,652, 40% equity 15,560, 20% equity 12,920. Simulated, before costs and taxes. 5k10k15k20k25k 20182020202220242026 22,251 80% equity 18,652 60% equity 15,560 40% equity 12,920 20% equity Growth of 10,000 SGD from Nov 2017 to Sep 2026: 80% equity 21,239, 60% equity 18,129, 40% equity 15,375, 20% equity 12,955. Simulated, before costs and taxes. 7.5k10k12.5k15k17.5k20k22.5k 20182020202220242026 21,239 80% equity 18,129 60% equity 15,375 40% equity 12,955 20% equity Growth of 10,000 CHF from Apr 2018 to Sep 2026: 80% equity 18,244, 60% equity 15,354, 40% equity 12,834, 20% equity 10,654. Simulated, before costs and taxes. 8k10k12k14k16k18k20k 2019202120232025 18,244 80% equity 15,354 60% equity 12,834 40% equity 10,654 20% equity
10,000 USD invested at the end of Nov 2017, value at Sep 2026. Mixes of an all-world equity ETF and USD-hedged global bonds, rebalanced monthly. Simulated from proxy ETFs, before costs and taxes. Past performance does not predict future returns.
10,000 EUR invested at the end of Nov 2017, value at Sep 2026. Mixes of an all-world equity ETF and EUR-hedged global bonds, rebalanced monthly. Simulated from proxy ETFs, before costs and taxes. Past performance does not predict future returns.
10,000 GBP invested at the end of Nov 2017, value at Sep 2026. Mixes of an all-world equity ETF and GBP-hedged global bonds, rebalanced monthly. Simulated from proxy ETFs, before costs and taxes. Past performance does not predict future returns.
10,000 SGD invested at the end of Nov 2017, value at Sep 2026. Mixes of an all-world equity ETF and USD-hedged global bonds (no listed SGD-hedged class in our list), rebalanced monthly. Simulated from proxy ETFs, before costs and taxes. Past performance does not predict future returns.
10,000 CHF invested at the end of Apr 2018, value at Sep 2026. Mixes of an all-world equity ETF and CHF-hedged global bonds, rebalanced monthly. Simulated from proxy ETFs, before costs and taxes. Past performance does not predict future returns.

Information only, not advice. Nothing here says which portfolio suits anyone. Historical figures are not a forecast. Not for US persons (citizens, green-card holders, US tax residents): see usexpatbanks.com.

How it works, in 3 steps

  1. 1

    Pick your currency

    USD, EUR, GBP, SGD or CHF. Stats and hedged bonds follow it.

    USDEURGBPSGDCHF

  2. 2

    Choose your equity mix

    From 20% to 100% shares. More shares, bigger swings.

  3. 3

    See the funds & costs

    Every eligible UCITS ETF per building block, cheapest TER first.

    Browse the ETF list →

Meet a few portfolios

All 16 side by side →
One fund, the whole world
100% equity

One-fund all-world (accumulating)

1 fundin USD

11.0%CAGR p.a.
-24.3%Max drawdown
0.07%Weighted TER from

Nov 2011 – Sep 2026 · USD · simulated

 The classic two-step
60% equity

Two-fund 60/40

2 fundsin EUR

7.1%CAGR p.a.
-13.1%Max drawdown
0.07%Weighted TER from

Dec 2017 – Sep 2026 · EUR · simulated

 Calmer mix, Swiss francs
40% equity

Two-fund 40/60

2 fundsin CHF

3.0%CAGR p.a.
-15.5%Max drawdown
0.09%Weighted TER from

May 2018 – Sep 2026 · CHF · simulated

 With a little gold
55% equity

Equity/bonds + 10% gold

3 fundsin GBP

8.2%CAGR p.a.
-8.5%Max drawdown
0.08%Weighted TER from

Dec 2017 – Sep 2026 · GBP · simulated

A handful of examples, not a shortlist. CAGR and drawdown are simulated from proxy ETFs over each window shown, with monthly rebalancing, before trading costs and taxes. TER is the lowest-cost eligible ETF per building block with the explorer's default filters.

Who it's for

  • Investors in Europe, the UK and Switzerland
  • Singapore residents and expats across Asia
  • Anyone who likes simple, rules-based, low-cost mixes
  • Not for US persons: see usexpatbanks.com

Why UCITS?

EU fund rulesDiversification and custody rules set in EU law

Ireland / LuxembourgThe domiciles used by every ETF in our list

Thousands of holdingsOne broad index ETF can cover a whole market

Latest monthly notes

All posts →

Monthly UCITS notes · October 2026 ·

The 60/40 two-step 🕺 and a fee-cut autumn

One portfolio under the microscope, five fund headlines, zero hot takes.

Read the post →

Ready for the full picture?

Filter by currency, equity share, hedging, issuer and more.

Explore portfolios → How the numbers are made Monthly notes by email