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
$20,912+$5,962Total Gain
Investor Return
91.12%
+13.81%Annualized
Portfolio Performance
57.66%
+9.52%Annualized
Holdings
Data from day: Nov 02
| History | |||||||
|---|---|---|---|---|---|---|---|
70.52% | 1827 | +$5,082.43 | +52.59% | $14,746.45 | $95.36 | ||
29.29% | 1827 | +$856.96 | +16.27% | $6,124.58 | PLN 100.00 | ||
0.20% | - | - | - | $40.92 | - |
iShares Core MSCI World UCITS ETF USD (Acc)70.52%
1827
+$5,082.43
+52.59%
$14,746.45
$95.36
EDO government bonds29.29%
1827
+$856.96
+16.27%
$6,124.58
PLN 100.00
Cash (PLN)0.20%
-
-
-
$40.92
-
10 Leniwy portfel (ETF + EDO) · co miesiąc
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Portfolio over time
TWR
+8.25%
10 Leniwy portfel (ETF + EDO) · co miesiąc
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Benchmarking
| # | Instrument | Return | Diff |
|---|---|---|---|
| 1 | S&P 500SPY | +10.80% | +2.6 pp |
| 2 | 10 Leniwy portfel (ETF + EDO) · co miesiąc | +8.25% | 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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