Portfolio

We use the actual portfolios and index funds recommended by Easyvest. When funds data don’t exist, typically for the period before 2012, we use the index data from which we subtract the funds fees. For instance, if the index returned 1% and the fund fees equal 0,15%, we assume you would have had a 0,85% return.

Start and end months

The month you select corresponds to the last trading day of the month. For instance, Dec 2015 corresponds to 31/12/2015. If you want to get the yearly performance of a portfolio as it is usually calculated in the financial industry, select the months from December of a given year to December of the next year.

Total return

We want to present returns as close as possible to what you would have had. Therefore, we assume an Easyvest fee of 1% per year including VAT, the maximum Easyvest would ever charge. Management costs of the index funds are also included. Tax on market transaction (0,27%) and withholding tax (30% of bonds added value) are not included.

Annualized return

Annualized return is the return during the selected period of time expressed on an annual equivalent basis. For instance, a portfolio with an annualized return of 6% corresponds to a total return of 19,1% over a period of three years (not 18% as you might expect) due to the effect of compound interests.