Learn about our performance app and how performance is calculated

Portfolio

We use the standard model portfolios (not the climate portfolios) and the global index funds in which easyvest invests. Where data on the funds compared is not available (prior to 2012), we use the values of the corresponding indices, taking care to subtract the current fees that would have applied within a fund. This means that if the index has returned 1% and the corresponding fund charges 0.15% in current fees, we estimate your return to be 0.85%.

Start and end months

The prices used for our calculations are those of the last trading day of the selected month. For example, selecting Dec. 2015 means using the prices in effect on 31/12/2015. To calculate the annual performance of a portfolio, as is customary in the financial industry, we select the month of December of one year and the month of December of the following year.

Total return

The historical returns and performance figures presented in our simulators are shown net of fees, meaning they reflect actual performance after the deduction of applicable fees. The displayed performances include easyvest’s fees as well as the management fees of the underlying index funds.

As our fees vary depending on the investment products, the performances shown may differ depending on where you are on our website. Accordingly, simulations may incorporate different fee levels depending on the page being viewed.

In particular, on our homepage, the performances reflect the highest fees of our securities account offering, namely 1% VAT included per year. On the pages related to the employee pension plan, performances include fees of 1.5% per year, while on the pages related to the pension plan for company directors, performances include fees of 1% per year.

Finally, the stock exchange transaction tax (0.12%) and the withholding tax (30% on capital gains from bonds) are not included in the displayed performances.

Annualized return

The annualized return is the return over the selected period, expressed as an annual return. Note that a portfolio with an annualized return of 6% corresponds to a total return of 19.1% over a period of three years (and not 18% as you might think) due to the effect of compound interest.

Disclaimer

Past performance is not indicative of future returns. All investments involve risk.