R4A basic wallet

Base portfolios are strategic performing allocations to major international markets from 150 markets/asset categories (ETFs and "Peer groups") .

There are currently 6 R4A basic portfolios :

BASE portfolios are divided into:
- Developed Countries: Europe, U.S., Japan, International and advanced economies.
- Sectoral: All sectors.
- Emerging: Asia, Africa, frontier markets and giants such as China and India.
- Euro Bonds: Corporate, government, inflation-linked and High Yield of the euro area.
- Global Investment Grade: European, international, U.S., corporate and government bonds.
- Global High Yield: All types of high yield bonds, emerging bonds, subordinated and convertible bonds.

Each Portfolio contains at least 5-6 tools selected according to a 3-level logic:

1. Representativeness: 1 ETF or Peer per market/classification.
2. Historical performance: each Portfolio is compared with dedicated benchmarks that allow for the best possible optimization.
3. AI optimization: which analyzes correlations and risks by generating the best possible combinations of instruments and weights to maximize results while keeping volatility in check.

We take great care in handling data and fund analysis. However, our providers may provide us with incorrect data: always check the information you find on Positive Finance and notify us if you find an error, we will correct it as soon as possible.

This isnot a financial advisory site ; our goal is to help you evolve as a Positive Investor and become more aware and competent. Before investing, always check with your adviser or bank that your choices are appropriate and will not harm you.

Our analyses of managers' sustainability policies (denoted MCSR Intensity in the tables), are done with care, method, and passion but cover only a few thousand funds.

In summary, avoid DIY (unless you want to study finance seriously) and trading (it is a business for professionals), rely on a good advisor. Remember that you are paying him to look after your interests even when you feel you are not paying him.

We will soon build courses to teach you how to invest, how to reduce risk and achieve your goals. You will find that psychology applied to finance clearly explains to us the mistakes of investors.