RANGER PROFILE · 1–3 YEAR HORIZON
Build balanced growth
without losing
control
A balanced 1–3 year horizon for investors who want to keep flexibility, add moderate duration, and seek steadier income while remaining disciplined and diversified.
Best for: Balanced reserves · Medium-term goals · Higher income than pure cash · Controlled diversification
AT A GLANCE
PRIORITY
Balance first
ROLE
Defensive growth
BEHAVIOR
Moderate volatility
TIME FRAME
1–3 years
Built for balance first, yield second.
Suggested allocation
An illustrative structure for investors seeking balanced income, moderate duration and controlled diversification.
25%
25%
25%
15%
10%
Cash / money-market funds
Ultra-short investment-grade bonds
1–3 year euro government bonds
1–3 year euro investment-grade corporate bonds
Euro inflation-linked bonds
Illustrative allocation only. The exact mix should be reviewed according to ECB policy rates, yield curves, credit spreads, duration risk and inflation conditions.
Why these assets?
Liquidity control
Cash and money-market exposure keep part of the portfolio available for withdrawals, rebalancing or new opportunities.
Short-duration income
Ultra-short and 1–3 year bond ETFs seek income while limiting sensitivity to interest-rate changes.
Safe diversification
Treasury Bills and short-term bonds can help cash earn yield while investors wait for better opportunities.
How the return is generated
Cash today
Short-term bond/etf
Income/portofolio balance
Simple example
A €10,000 Ranger 1–3 year allocation could be split across cash, ultra-short bond ETFs, 1–3 year euro government bond ETFs, short-duration corporate bond ETFs and a small inflation-protection sleeve.
With an illustrative blended annual yield of around 2.6% to 2.9%, this could represent approximately €260 to €290 of gross annual income before fees, taxes and market movements.
The goal is not maximum return, but steadier income with controlled duration, credit and liquidity risk.
ranger • 1-3 YEARs
USE THIS HORIZON WHEN
Short-duration yields remain attractive
You want more income than cash alone can offer
You are not ready to take full equity risk
Capital may be needed within the next 1–3 years
You want stability, but also some growth potential
This horizon is generally most useful when liquidity,
stability, and flexibility matter more than pursuing
higher-risk growth.
When this horizon
may be useful
BEST FIT
Balanced growth
Controlled volatility
Medium-term flexibility
Designed for capital that may be needed soon.