10 Leniwy portfel (ETF + EDO) · co miesiąc

The 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.