High-dividend equity 60/40 (distributing)
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60% global high-dividend-yield equity and 40% global bonds, using distributing share classes so income is paid out.
Specialty portfolio. Its tilts add concentration and deviate from the global market. It can trail a broad market-cap-weighted portfolio for long periods. Core vs specialty.
Target weights
- 60% High-dividend equity
- 40% Global bonds
Returns over a period you choose
Set the same months and currency as your bank or broker statement to compare like with like. Month-end data; last month-end Sep 2026.
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The variant is the base currency the fund set is built for (bonds hedged to that currency where a hedged class exists; it is the same switch as “Base currency” further down). Show returns in only changes the currency the result is measured in, for example a USD-variant portfolio seen by a CHF investor.
Calendar-year returns in the period (partial years marked with their number of months)
Simulated past performance. These figures are back-tested from month-end prices of proxy ETFs (listed below), not the record of a real account, and past performance is no guarantee of future results. They include each proxy ETF's ongoing charges (already in its price) and reinvested distributions, and assume monthly rebalancing to the target weights. They are before trading costs, bid-ask spreads, platform, custody or advisory fees, FX conversion costs and your taxes. Currency conversion uses Yahoo Finance month-end FX rates. Returns are time-weighted, for a single amount invested at the start; a bank statement that includes deposits or withdrawals may show a money-weighted return, which can differ. The first month with a return for this portfolio is Dec 2017 (USD, EUR, GBP, SGD variants), May 2018 (CHF variant). How periods and currency conversion work. Information only, not advice.
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 | 2017-12 – 2026-09 8.8 yrs · trough 2020-03 | 6.2% | 9.4% | -15.8% | -7.9% (2022) | 18.1% | 2019-03 → CAGR 7.1%, vol 9.6%, MDD -15.8% |
| EUR | 2017-12 – 2026-09 8.8 yrs · trough 2020-03 | 5.6% | 8.0% | -14.9% | -5.4% (2022) | 16.9% | 2017-12 → CAGR 5.6%, vol 8.0%, MDD -14.9% |
| GBP | 2017-12 – 2026-09 8.8 yrs · trough 2020-03 | 5.8% | 7.1% | -12.9% | -4.0% (2018) | 13.7% | 2017-12 → CAGR 5.8%, vol 7.1%, MDD -12.9% |
| SGD | 2017-12 – 2026-09 8.8 yrs · trough 2020-03 | 5.5% | 6.9% | -11.1% | -8.5% (2022) | 15.2% | 2019-03 → CAGR 6.3%, vol 6.9%, MDD -11.1% |
| CHF | 2018-05 – 2026-09 8.4 yrs · trough 2020-03 | 3.8% | 8.9% | -16.4% | -8.4% (2022) | 14.2% | 2018-05 → CAGR 3.8%, vol 8.9%, MDD -16.4% |
*Common window = the period over which every core (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. A specialty portfolio whose proxies start later shows its own (later) start date here. 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.
- SGD: No listed SGD-hedged share class in our list: SGD figures use the USD-hedged class, so they include USD/SGD currency moves.
Proxies used for the statistics
| Building block | USD | EUR | GBP | SGD | CHF |
|---|---|---|---|---|---|
| High-dividend equity | Vanguard FTSE All-World High Dividend Yield UCITS ETF Dist (EUR, Xetra), dividends reinvested VGWD.DE | Vanguard FTSE All-World High Dividend Yield UCITS ETF Dist (EUR, Xetra), dividends reinvested VGWD.DE | Vanguard FTSE All-World High Dividend Yield UCITS ETF Dist (EUR, Xetra), dividends reinvested VGWD.DE | Vanguard FTSE All-World High Dividend Yield UCITS ETF Dist (EUR, Xetra), dividends reinvested VGWD.DE | Vanguard FTSE All-World High Dividend Yield UCITS ETF Dist (EUR, Xetra), dividends reinvested VGWD.DE |
| Global bonds | iShares Core Global Aggregate Bond USD Hedged (LSE) AGGU.L | iShares Core Global Aggregate Bond EUR Hedged (Xetra) EUNA.DE | iShares Core Global Aggregate Bond GBP Hedged Dist (LSE), income reinvested AGBP.L | iShares Core Global Aggregate Bond USD Hedged, converted to SGD AGGU.L | SPDR Bloomberg Global Aggregate Bond CHF Hedged (SIX) GLAC.SW |
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.
60% · Global high-dividend equity
| # | ETF | TER | Type | Fund size | Since | Listings (ticker, exchange, trading currency) – USD line first |
|---|---|---|---|---|---|---|
| Vanguard FTSE All-World High Dividend Yield UCITS ETF (USD) DistributingIE00B8GKDB10 · Vanguard · Ireland | 0.29% | DistributingPhysical | USD 14.6bnas of 2026-09-30 | 2013-05 | VHYD (LSE, USD)VHYL (SIX, CHF) · VGWD (Xetra, EUR) · VHYL (LSE, GBP) · VHYL (Borsa Italiana, EUR) · VHYL (Euronext AMS, EUR) · VHYL (Euronext Paris, EUR) | |
| Vanguard FTSE All-World High Dividend Yield UCITS ETF (USD) AccumulatingIE00BK5BR626 · Vanguard · Ireland | 0.29% | AccumulatingPhysical | USD 3.4bnshare class, as of 2026-09-30 | 2019-09 | VHYA (LSE, USD)VHYA (SIX, CHF) · VGWE (Xetra, EUR) · VHYG (LSE, GBP) · VHYA (Borsa Italiana, EUR) · VGWE (Euronext AMS, EUR) | |
| SPDR S&P Global Dividend Aristocrats UCITS ETF (Dist)IE00B9CQXS71 · SPDR (State Street) · Ireland | 0.45% | DistributingPhysical | USD 1.7bnas of 2026-09-30 | 2013-05 | GLDV (LSE, USD)GLDV (SIX, CHF) · ZPRG (Xetra, EUR) · GBDV (LSE, GBP) · GLDV (Borsa Italiana, EUR) |
40% · Global aggregate bonds
| # | ETF | TER | Type | Fund size | Since | Listings (ticker, exchange, trading currency) – USD line first |
|---|---|---|---|---|---|---|
| Vanguard Global Aggregate Bond UCITS ETF USD Hedged AccumulatingIE00BG47KJ78 · Vanguard · Ireland | 0.08% | Accumulating USD-hedgedPhysical | USD 6.4bnas of 2026-10-21 | 2019-06 | VAGU (LSE, USD) | |
| iShares Core Global Aggregate Bond UCITS ETF USD Hedged (Acc)IE00BZ043R46 · iShares · Ireland | 0.10% | Accumulating USD-hedgedPhysical (sampled) | USD 14.3bnas of 2026-10-19 | 2017-11 | AGGU (LSE, USD)AGGU (SIX, USD) | |
| iShares Core Global Aggregate Bond UCITS ETF (Dist)IE00B3F81409 · iShares · Ireland | 0.10% | DistributingPhysical (sampled) | USD 14.3bnas of 2026-10-19 | 2017-11 | AGGG (LSE, USD)AGGG (SIX, USD) · EUNU (Xetra, EUR) · SAGG (LSE, GBP) | |
| iShares Core Global Aggregate Bond UCITS ETF USD Hedged (Dist)IE00BMGNVD65 · iShares · Ireland | 0.10% | Distributing USD-hedgedPhysical (sampled) | USD 14.3bnas of 2026-10-19 | 2017-11 | AGUG (Euronext AMS, USD) | |
| Amundi Core Global Aggregate Bond UCITS ETF USD Hedged AccLU1778293313 · Amundi · Luxembourg | 0.10% | Accumulating USD-hedgedPhysical | USD 4.3bnas of 2026-09-30 | 2018-02 | GAHU (Euronext Paris, USD) | |
| Amundi Core Global Aggregate Bond UCITS ETF AccLU1437024729 · Amundi · Luxembourg | 0.10% | AccumulatingPhysical | EUR 3.8bnas of 2026-09-30 | 2016-09 | GAGU (LSE, USD)GAGG (LSE, GBP, quoted in pence) · GAGG (Borsa Italiana, EUR) · GAGG (Euronext Paris, EUR) | |
| Xtrackers II ESG Global Aggregate Bond UCITS ETF 1DLU0942970103 · Xtrackers (DWS) · Luxembourg | 0.10% | Distributing ESGPhysical (sampled) | GBP 610mas of 2026-10-20 | 2014-03 | XBAG (SIX, USD)XBAG (Xetra, EUR) · XBAG (LSE, GBP, quoted in pence) · XBAG (Borsa Italiana, EUR) | |
| Amundi Global Aggregate Bond ESG UCITS ETF Hedged USD AccLU2469335611 · Amundi · LuxembourgAdded to give Xetra a USD-hedged global aggregate bond line. | 0.16% | Accumulating USD-hedged ESGPhysical | USD 375mshare class, as of 2026-09-30 | 2022-06 | AHYB (Xetra, USD) | |
| Vanguard Global Aggregate Bond UCITS ETF CHF Hedged AccumulatingIE00BG47KF31 · Vanguard · Ireland | 0.08% | Accumulating CHF-hedgedPhysical | CHF 5.3bnas of 2026-09-30 | 2021-09 | VAGX (SIX, CHF) no USD listing, trades in CHF on SIX | |
| Vanguard Global Aggregate Bond UCITS ETF EUR Hedged AccumulatingIE00BG47KH54 · Vanguard · Ireland | 0.08% | Accumulating EUR-hedgedPhysical | EUR 5.6bnas of 2026-10-21 | 2019-06 | VAGF (Xetra, EUR) no USD listing, trades in EUR on XetraVAGF (Borsa Italiana, EUR) | |
| Vanguard Global Aggregate Bond UCITS ETF EUR Hedged DistributingIE00BG47KB92 · Vanguard · Ireland | 0.08% | Distributing EUR-hedgedPhysical | EUR 5.6bnas of 2026-10-21 | 2019-06 | VAGE (Xetra, EUR) no USD listing, trades in EUR on Xetra | |
| Vanguard Global Aggregate Bond UCITS ETF GBP Hedged AccumulatingIE00BG47K971 · Vanguard · Ireland | 0.08% | Accumulating GBP-hedgedPhysical | GBP 4.8bnas of 2026-10-21 | 2019-06 | VAGS (LSE, GBP) no USD listing, trades in GBP on LSE | |
| Vanguard Global Aggregate Bond UCITS ETF GBP Hedged DistributingIE00BG47KG48 · Vanguard · Ireland | 0.08% | Distributing GBP-hedgedPhysical | GBP 4.8bnas of 2026-10-21 | 2019-06 | VAGP (LSE, GBP) no USD listing, trades in GBP on LSE | |
| Amundi Core Global Aggregate Bond UCITS ETF GBP Hedged DistLU2355200523 · Amundi · LuxembourgFee 0.08% per factsheet (other classes of the fund 0.10%). | 0.08% | Distributing GBP-hedgedPhysical | GBP 3.2bnas of 2026-09-30 | 2021-07 | AGHG (LSE, GBP, quoted in pence) no USD listing, trades in GBP on LSE | |
| iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)IE00BDBRDM35 · iShares · Ireland | 0.10% | Accumulating EUR-hedgedPhysical (sampled) | USD 14.3bnas of 2026-10-19 | 2017-11 | AGGH (SIX, EUR) no USD listing, trades in EUR on SIXEUNA (Xetra, EUR) · AGGH (Borsa Italiana, EUR) · AGGH (Euronext AMS, EUR) | |
| iShares Core Global Aggregate Bond UCITS ETF GBP Hedged (Dist)IE00BF540Y54 · iShares · Ireland | 0.10% | Distributing GBP-hedgedPhysical (sampled) | USD 14.3bnas of 2026-10-19 | 2017-11 | AGBP (LSE, GBP) no USD listing, trades in GBP on LSE | |
| HSBC Global Aggregate Bond UCITS ETF GBP Hedged (Dist)IE0009RYSBF2 · HSBC · IrelandFund-level index is hedged to USD; this share class is hedged to GBP (per factsheet). Replication method not stated on the factsheet. | 0.10% | Distributing GBP-hedgedNot stated | USD 11.7bnas of 2026-09-30 | 2024-05 | HGAS (LSE, GBP) no USD listing, trades in GBP on LSE | |
| HSBC Global Aggregate Bond UCITS ETF CHF Hedged (Acc)IE000AE3TNP7 · HSBC · IrelandFund-level index is hedged to USD; this share class is hedged to CHF (per factsheet). Replication method not stated on the factsheet. | 0.10% | Accumulating CHF-hedgedNot stated | USD 11.7bnas of 2026-09-30 | 2024-06 | HGAC (SIX, CHF) no USD listing, trades in CHF on SIX | |
| SPDR Bloomberg Global Aggregate Bond CHF Hedged UCITS ETF (Acc)IE00BF1QPK61 · SPDR (State Street) · Ireland | 0.10% | Accumulating CHF-hedgedPhysical (stratified sampling) | USD 4.9bnas of 2026-09-30 | 2018-04 | GLAC (SIX, CHF) no USD listing, trades in CHF on SIX | |
| Amundi Core Global Aggregate Bond UCITS ETF CHF Hedged AccLU3238224508 · Amundi · LuxembourgShare-class launch date from the KID (13 Jan 2026); fee and AUM from the Amundi product page. | 0.10% | Accumulating CHF-hedgedPhysical | CHF 3.6bnas of 2026-10-19 | 2026-01 | GACHF (SIX, CHF) no USD listing, trades in CHF on SIX | |
| Amundi Core Global Aggregate Bond UCITS ETF EUR Hedged AccLU1708330318 · Amundi · Luxembourg | 0.10% | Accumulating EUR-hedgedPhysical | EUR 3.8bnas of 2026-09-30 | 2017-10 | GAGH (Borsa Italiana, EUR) no USD listing, trades in EUR on Borsa ItalianaGAGH (Euronext Paris, EUR) | |
| Amundi Core Global Aggregate Bond UCITS ETF DistLU1737654019 · Amundi · LuxembourgDistributing class listed alongside LU1437024729 in the same Amundi factsheet with the same fee; its own launch date is not stated there. | 0.10% | DistributingPhysical | EUR 3.8bnas of 2026-09-30 | n/a | 10AM (Xetra, EUR) no USD listing, trades in EUR on Xetra | |
| iShares Core Global Aggregate Bond UCITS ETF CHF Hedged (Acc)IE00BD1JRY91 · iShares · Ireland | 0.10% | Accumulating CHF-hedgedPhysical | CHF 981mshare class, as of 2026-10-23 | 2018-03 | AGGS (SIX, CHF) no USD listing, trades in CHF on SIX | |
| Xtrackers II ESG Global Aggregate Bond UCITS ETF 5C EUR HedgedLU0942970798 · Xtrackers (DWS) · Luxembourg | 0.10% | Accumulating EUR-hedged ESGPhysical (sampled) | GBP 610mas of 2026-10-20 | 2014-03 | XBAE (Xetra, EUR) no USD listing, trades in EUR on XetraXBAE (Borsa Italiana, EUR) | |
| SPDR Bloomberg Global Aggregate Bond EUR Hedged UCITS ETF (Dist)IE00BF1QPL78 · SPDR (State Street) · Ireland | 0.10% | Distributing EUR-hedgedPhysical | EUR 658mshare class, as of 2026-09-30 | 2018-02 | SPFE (Xetra, EUR) no USD listing, trades in EUR on XetraGLAE (Borsa Italiana, EUR) | |
| Amundi Global Aggregate Bond ESG UCITS ETF Hedged EUR AccLU2439733507 · Amundi · LuxembourgAdded for Wiener Börse coverage (EUR-hedged global aggregate bonds). | 0.16% | Accumulating EUR-hedged ESGPhysical | EUR 330mshare class, as of 2026-09-30 | 2022-03 | AHYD (Xetra, EUR) no USD listing, trades in EUR on Xetra |
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.