Portfolio Factsheet
Simple Core
The honest baseline: a cheap, low-turnover blend of a global equity index, government bonds and a money-market sleeve, monthly rebalanced to fixed weights. No optimisation, no cleverness — this is the 'a cheap index-and-bonds mix is as good as most people will get' reference. It's the one product a typical investor could simply hold; the sophisticated products are measured against it. Shown for both HL Retail and IB Pro cost profiles.
Final Value
£34,930
vs benchmark: £61,101
Annual Return
7.62%
vs benchmark: 15.83%
Volatility
9.2%
vs benchmark: 16.0%
Max Drawdown
-16.7%
vs benchmark: -25.5%
Equity Curve
HL Retail ISA is shown net of all costs and is genuinely tax-free. IB Pro is shown net of dealing/spread/FX costs but gross of UK tax — a higher-rate taxpayer would face dividend tax, CGT and interest tax that add ~80-150 bps/yr of further drag. See Methodology for full details.
Monthly Returns
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
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Performance Metrics
| Metric | HL ISA | IB Pro | Benchmark |
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