F
10 Leniwy portfel (ETF + EDO) · co miesiąc
FundStatThe most popular setup among Polish passive investors: a global stock ETF for growth and 10-year inflation-indexed retail treasury bonds (EDO) as the safe part with no currency risk. 70% iShares Core MSCI World (IWDA), 30% EDO. Each monthly deposit buys that month's new EDO series and the ETF, in whichever proportion brings the portfolio closer to 70/30. Every November the ETF is sold only if EDO is still too low, because redeeming EDO early costs a fee. Assumptions: 1,000 PLN deposited on the first trading day of every month from 1 Nov 2021 to 1 Oct 2026 (60 deposits, 60,000 PLN in total), fractional units allowed. Commissions, currency spreads and tax on ETF sales are not included.
Portfolio value
PLN 82,453+PLN 22,453Total Gain
Investor Return
81.49%
+12.65%Annualized
Portfolio Performance
56.16%
+9.31%Annualized
Holdings
Data from day: Nov 02
| History | |||||||
|---|---|---|---|---|---|---|---|
70.51% | 1827 | +PLN 19,122.88 | +49.01% | PLN 58,137.88 | $95.36 | ||
1.12% | 185 | +PLN 24.39 | +2.71% | PLN 924.39 | PLN 100.00 | ||
1.08% | 700 | +PLN 89.92 | +11.24% | PLN 889.92 | PLN 100.00 | ||
0.99% | 154 | +PLN 18.08 | +2.26% | PLN 818.08 | PLN 100.00 | ||
0.99% | 124 | +PLN 14.56 | +1.82% | PLN 814.56 | PLN 100.00 | ||
0.81% | 731 | +PLN 70.74 | +11.79% | PLN 670.74 | PLN 100.00 | ||
0.81% | 1554 | +PLN 164.70 | +32.94% | PLN 664.70 | PLN 100.00 | ||
0.78% | 458 | +PLN 43.32 | +7.22% | PLN 643.32 | PLN 100.00 | ||
0.77% | 397 | +PLN 39.00 | +6.50% | PLN 639.00 | PLN 100.00 | ||
0.77% | 364 | +PLN 34.38 | +5.73% | PLN 634.38 | PLN 100.00 | ||
0.71% | 976 | +PLN 84.55 | +16.91% | PLN 584.55 | PLN 100.00 | ||
0.71% | 1005 | +PLN 83.70 | +16.74% | PLN 583.70 | PLN 100.00 | ||
0.70% | 882 | +PLN 79.95 | +15.99% | PLN 579.95 | PLN 100.00 | ||
0.70% | 854 | +PLN 75.85 | +15.17% | PLN 575.85 | PLN 100.00 | ||
0.69% | 1797 | +PLN 170.96 | +42.74% | PLN 570.96 | PLN 100.00 | ||
0.65% | 427 | +PLN 34.50 | +6.90% | PLN 534.50 | PLN 100.00 | ||
0.63% | 1462 | +PLN 119.16 | +29.79% | PLN 519.16 | PLN 100.00 | ||
0.61% | 62 | +PLN 4.55 | +0.91% | PLN 504.55 | PLN 100.00 | ||
0.61% | 1370 | +PLN 101.76 | +25.44% | PLN 501.76 | PLN 100.00 | ||
0.58% | 1250 | +PLN 78.16 | +19.54% | PLN 478.16 | PLN 100.00 | ||
0.58% | 1127 | +PLN 75.84 | +18.96% | PLN 475.84 | PLN 100.00 | ||
0.57% | 1035 | +PLN 69.24 | +17.31% | PLN 469.24 | PLN 100.00 | ||
0.56% | 944 | +PLN 64.12 | +16.03% | PLN 464.12 | PLN 100.00 | ||
0.51% | 1763 | +PLN 123.09 | +41.03% | PLN 423.09 | PLN 100.00 | ||
0.51% | 273 | +PLN 16.76 | +4.19% | PLN 416.76 | PLN 100.00 | ||
0.50% | 1707 | +PLN 116.34 | +38.78% | PLN 416.34 | PLN 100.00 | ||
0.50% | 1676 | +PLN 115.20 | +38.40% | PLN 415.20 | PLN 100.00 | ||
0.50% | 1644 | +PLN 108.66 | +36.22% | PLN 408.66 | PLN 100.00 | ||
0.49% | 1585 | +PLN 103.53 | +34.51% | PLN 403.53 | PLN 100.00 | ||
0.49% | 32 | +PLN 1.88 | +0.47% | PLN 401.88 | PLN 100.00 | ||
0.46% | 1432 | +PLN 82.44 | +27.48% | PLN 382.44 | PLN 100.00 | ||
0.45% | 1342 | +PLN 68.85 | +22.95% | PLN 368.85 | PLN 100.00 | ||
0.44% | 1309 | +PLN 62.31 | +20.77% | PLN 362.31 | PLN 100.00 | ||
0.43% | 1158 | +PLN 56.61 | +18.87% | PLN 356.61 | PLN 100.00 | ||
0.43% | 1218 | +PLN 56.46 | +18.82% | PLN 356.46 | PLN 100.00 | ||
0.43% | 1067 | +PLN 55.41 | +18.47% | PLN 355.41 | PLN 100.00 | ||
0.43% | 1189 | +PLN 55.38 | +18.46% | PLN 355.38 | PLN 100.00 | ||
0.41% | 791 | +PLN 38.76 | +12.92% | PLN 338.76 | PLN 100.00 | ||
0.41% | 762 | +PLN 36.90 | +12.30% | PLN 336.90 | PLN 100.00 | ||
0.40% | 637 | +PLN 30.12 | +10.04% | PLN 330.12 | PLN 100.00 | ||
0.40% | 518 | +PLN 25.71 | +8.57% | PLN 325.71 | PLN 100.00 | ||
0.39% | 489 | +PLN 24.27 | +8.09% | PLN 324.27 | PLN 100.00 | ||
0.38% | 245 | +PLN 11.28 | +3.76% | PLN 311.28 | PLN 100.00 | ||
0.38% | 215 | +PLN 9.45 | +3.15% | PLN 309.45 | PLN 100.00 | ||
0.37% | 91 | +PLN 3.99 | +1.33% | PLN 303.99 | PLN 100.00 | ||
0.35% | 1827 | +PLN 88.92 | +44.46% | PLN 288.92 | PLN 100.00 | ||
0.34% | 1735 | +PLN 81.74 | +40.87% | PLN 281.74 | PLN 100.00 | ||
0.33% | 1615 | +PLN 73.32 | +36.66% | PLN 273.32 | PLN 100.00 | ||
0.32% | 1523 | +PLN 65.14 | +32.57% | PLN 265.14 | PLN 100.00 | ||
0.32% | 1491 | +PLN 63.56 | +31.78% | PLN 263.56 | PLN 100.00 | ||
0.28% | 823 | +PLN 29.22 | +14.61% | PLN 229.22 | PLN 100.00 | ||
0.27% | 609 | +PLN 19.08 | +9.54% | PLN 219.08 | PLN 100.00 | ||
0.25% | 304 | +PLN 9.32 | +4.66% | PLN 209.32 | PLN 100.00 | ||
0.20% | - | - | - | PLN 161.36 | - | ||
0.15% | 1399 | +PLN 26.37 | +26.37% | PLN 126.37 | PLN 100.00 | ||
0.15% | 1280 | +PLN 20.06 | +20.06% | PLN 120.06 | PLN 100.00 | ||
0.14% | 915 | +PLN 16.23 | +16.23% | PLN 116.23 | PLN 100.00 | ||
0.13% | 669 | +PLN 10.54 | +10.54% | PLN 110.54 | PLN 100.00 | ||
0.13% | 336 | +PLN 5.16 | +5.16% | PLN 105.16 | PLN 100.00 |
iShares Core MSCI World UCITS ETF USD (Acc)70.51%
1827
+PLN 19,122.88
+49.01%
PLN 58,137.88
$95.36
Obligacje 10-letnie EDO EDO05361.12%
185
+PLN 24.39
+2.71%
PLN 924.39
PLN 100.00
Obligacje 10-letnie EDO EDO12341.08%
700
+PLN 89.92
+11.24%
PLN 889.92
PLN 100.00
Obligacje 10-letnie EDO EDO06360.99%
154
+PLN 18.08
+2.26%
PLN 818.08
PLN 100.00
Obligacje 10-letnie EDO EDO07360.99%
124
+PLN 14.56
+1.82%
PLN 814.56
PLN 100.00
Obligacje 10-letnie EDO EDO11340.81%
731
+PLN 70.74
+11.79%
PLN 670.74
PLN 100.00
Obligacje 10-letnie EDO EDO08320.81%
1554
+PLN 164.70
+32.94%
PLN 664.70
PLN 100.00
Obligacje 10-letnie EDO EDO08350.78%
458
+PLN 43.32
+7.22%
PLN 643.32
PLN 100.00
Obligacje 10-letnie EDO EDO10350.77%
397
+PLN 39.00
+6.50%
PLN 639.00
PLN 100.00
Obligacje 10-letnie EDO EDO11350.77%
364
+PLN 34.38
+5.73%
PLN 634.38
PLN 100.00
Obligacje 10-letnie EDO EDO03340.71%
976
+PLN 84.55
+16.91%
PLN 584.55
PLN 100.00
Obligacje 10-letnie EDO EDO02340.71%
1005
+PLN 83.70
+16.74%
PLN 583.70
PLN 100.00
Obligacje 10-letnie EDO EDO06340.70%
882
+PLN 79.95
+15.99%
PLN 579.95
PLN 100.00
Obligacje 10-letnie EDO EDO07340.70%
854
+PLN 75.85
+15.17%
PLN 575.85
PLN 100.00
Obligacje 10-letnie EDO EDO12310.69%
1797
+PLN 170.96
+42.74%
PLN 570.96
PLN 100.00
Obligacje 10-letnie EDO EDO09350.65%
427
+PLN 34.50
+6.90%
PLN 534.50
PLN 100.00
Obligacje 10-letnie EDO EDO11320.63%
1462
+PLN 119.16
+29.79%
PLN 519.16
PLN 100.00
Obligacje 10-letnie EDO EDO09360.61%
62
+PLN 4.55
+0.91%
PLN 504.55
PLN 100.00
Obligacje 10-letnie EDO EDO02330.61%
1370
+PLN 101.76
+25.44%
PLN 501.76
PLN 100.00
Obligacje 10-letnie EDO EDO06330.58%
1250
+PLN 78.16
+19.54%
PLN 478.16
PLN 100.00
Obligacje 10-letnie EDO EDO10330.58%
1127
+PLN 75.84
+18.96%
PLN 475.84
PLN 100.00
Obligacje 10-letnie EDO EDO01340.57%
1035
+PLN 69.24
+17.31%
PLN 469.24
PLN 100.00
Obligacje 10-letnie EDO EDO04340.56%
944
+PLN 64.12
+16.03%
PLN 464.12
PLN 100.00
Obligacje 10-letnie EDO EDO01320.51%
1763
+PLN 123.09
+41.03%
PLN 423.09
PLN 100.00
Obligacje 10-letnie EDO EDO02360.51%
273
+PLN 16.76
+4.19%
PLN 416.76
PLN 100.00
Obligacje 10-letnie EDO EDO03320.50%
1707
+PLN 116.34
+38.78%
PLN 416.34
PLN 100.00
Obligacje 10-letnie EDO EDO04320.50%
1676
+PLN 115.20
+38.40%
PLN 415.20
PLN 100.00
Obligacje 10-letnie EDO EDO05320.50%
1644
+PLN 108.66
+36.22%
PLN 408.66
PLN 100.00
Obligacje 10-letnie EDO EDO07320.49%
1585
+PLN 103.53
+34.51%
PLN 403.53
PLN 100.00
Obligacje 10-letnie EDO EDO10360.49%
32
+PLN 1.88
+0.47%
PLN 401.88
PLN 100.00
Obligacje 10-letnie EDO EDO12320.46%
1432
+PLN 82.44
+27.48%
PLN 382.44
PLN 100.00
Obligacje 10-letnie EDO EDO03330.45%
1342
+PLN 68.85
+22.95%
PLN 368.85
PLN 100.00
Obligacje 10-letnie EDO EDO04330.44%
1309
+PLN 62.31
+20.77%
PLN 362.31
PLN 100.00
Obligacje 10-letnie EDO EDO09330.43%
1158
+PLN 56.61
+18.87%
PLN 356.61
PLN 100.00
Obligacje 10-letnie EDO EDO07330.43%
1218
+PLN 56.46
+18.82%
PLN 356.46
PLN 100.00
Obligacje 10-letnie EDO EDO12330.43%
1067
+PLN 55.41
+18.47%
PLN 355.41
PLN 100.00
Obligacje 10-letnie EDO EDO08330.43%
1189
+PLN 55.38
+18.46%
PLN 355.38
PLN 100.00
Obligacje 10-letnie EDO EDO09340.41%
791
+PLN 38.76
+12.92%
PLN 338.76
PLN 100.00
Obligacje 10-letnie EDO EDO10340.41%
762
+PLN 36.90
+12.30%
PLN 336.90
PLN 100.00
Obligacje 10-letnie EDO EDO02350.40%
637
+PLN 30.12
+10.04%
PLN 330.12
PLN 100.00
Obligacje 10-letnie EDO EDO06350.40%
518
+PLN 25.71
+8.57%
PLN 325.71
PLN 100.00
Obligacje 10-letnie EDO EDO07350.39%
489
+PLN 24.27
+8.09%
PLN 324.27
PLN 100.00
Obligacje 10-letnie EDO EDO03360.38%
245
+PLN 11.28
+3.76%
PLN 311.28
PLN 100.00
Obligacje 10-letnie EDO EDO04360.38%
215
+PLN 9.45
+3.15%
PLN 309.45
PLN 100.00
Obligacje 10-letnie EDO EDO08360.37%
91
+PLN 3.99
+1.33%
PLN 303.99
PLN 100.00
Obligacje 10-letnie EDO EDO11310.35%
1827
+PLN 88.92
+44.46%
PLN 288.92
PLN 100.00
Obligacje 10-letnie EDO EDO02320.34%
1735
+PLN 81.74
+40.87%
PLN 281.74
PLN 100.00
Obligacje 10-letnie EDO EDO06320.33%
1615
+PLN 73.32
+36.66%
PLN 273.32
PLN 100.00
Obligacje 10-letnie EDO EDO09320.32%
1523
+PLN 65.14
+32.57%
PLN 265.14
PLN 100.00
Obligacje 10-letnie EDO EDO10320.32%
1491
+PLN 63.56
+31.78%
PLN 263.56
PLN 100.00
Obligacje 10-letnie EDO EDO08340.28%
823
+PLN 29.22
+14.61%
PLN 229.22
PLN 100.00
Obligacje 10-letnie EDO EDO03350.27%
609
+PLN 19.08
+9.54%
PLN 219.08
PLN 100.00
Obligacje 10-letnie EDO EDO01360.25%
304
+PLN 9.32
+4.66%
PLN 209.32
PLN 100.00
Cash (PLN)0.20%
-
-
-
PLN 161.36
-
Obligacje 10-letnie EDO EDO01330.15%
1399
+PLN 26.37
+26.37%
PLN 126.37
PLN 100.00
Obligacje 10-letnie EDO EDO05330.15%
1280
+PLN 20.06
+20.06%
PLN 120.06
PLN 100.00
Obligacje 10-letnie EDO EDO05340.14%
915
+PLN 16.23
+16.23%
PLN 116.23
PLN 100.00
Obligacje 10-letnie EDO EDO01350.13%
669
+PLN 10.54
+10.54%
PLN 110.54
PLN 100.00
Obligacje 10-letnie EDO EDO12350.13%
336
+PLN 5.16
+5.16%
PLN 105.16
PLN 100.00
10 Leniwy portfel (ETF + EDO) · co miesiąc
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Portfolio over time
TWR
+15.70%
10 Leniwy portfel (ETF + EDO) · co miesiąc
Powered byFundstat
Benchmarking
| # | Instrument | Return | Diff |
|---|---|---|---|
| 1 | S&P 500SPY | +18.37% | +2.7 pp |
| 2 | 10 Leniwy portfel (ETF + EDO) · co miesiąc | +15.70% | BaseReference point |
10 Leniwy portfel (ETF + EDO) · co miesiąc
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Transaction History
Date
Instrument
Type
EDO10362026-10-01BUY
PLN 400.004 @ PLN 100.00
2026-10-01
Obligacje 10-letnie EDO EDO1036BUY
4
PLN 100.00
PLN 400.00
IWDA2026-10-01BUY
$154.821.0702 @ $144.66
2026-10-01
iShares Core MSCI World UCITS ETF USD (Acc)BUY
1.0702
$144.66
$154.82
BUY
PLN 596.27154.82 @ PLN 3.85
2026-10-01
BUY
154.82
PLN 3.85
PLN 596.27
Cash2026-10-01DEPOSIT
PLN 1,000.00PLN
2026-10-01
CashDEPOSIT
-
-
PLN 1,000.00
IWDA2026-09-01BUY
$132.560.9034 @ $146.74
2026-09-01
iShares Core MSCI World UCITS ETF USD (Acc)BUY
0.9034
$146.74
$132.56
BUY
PLN 496.13132.56 @ PLN 3.74
2026-09-01
BUY
132.56
PLN 3.74
PLN 496.13
EDO09362026-09-01BUY
PLN 500.005 @ PLN 100.00
2026-09-01
Obligacje 10-letnie EDO EDO0936BUY
5
PLN 100.00
PLN 500.00
Cash2026-09-01DEPOSIT
PLN 1,000.00PLN
2026-09-01
CashDEPOSIT
-
-
PLN 1,000.00
IWDA2026-08-03BUY
$187.161.2894 @ $145.15
2026-08-03
iShares Core MSCI World UCITS ETF USD (Acc)BUY
1.2894
$145.15
$187.16
BUY
PLN 697.26187.16 @ PLN 3.73
2026-08-03
BUY
187.16
PLN 3.73
PLN 697.26
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