RISK & HORIZON FRAMEWORK
How to read risk through time.
Wellion classifies each investment profile by intended horizon, liquidity need, volatility tolerance, and portfolio role. A 12-month defensive position should not be read like a 10-year growth thesis.
Risk level
Liquidity need
Time horizon
Portfolio role
READING RULE
Shorter horizon
Higher liquidity need
Higher risk
Longer recovery window
Longer horizon
Greater volatility tolerance
Educational framework, not personalized advice.
SENTINEL BLUEPRINT
Where to invest
Simple blueprint
LADDER CORE
Short Gov 0–1y
(ladder core)
Highest liquidity and price stability for the first 12 months.
Preselected
LIQUIDITY BUFFER
Cash engine
(overnight buffer)
Instant liquidity buffer for tactical opportunities or withdrawal.
Preselected
OPTIONAL CREDIT
Yield sleeve
(IG ultrashort) — optional
Enhancing returns via top-tier corporate high-grade credit.
Optional
IMPLEMENTATION
How to implement
Three disciplined steps
01
Establish the buffer.
Direct 20% of capital to overnight cash engines for immediate liquidity and responsiveness.
02
Secure the core.
Build your 1–3 year ladder using Short Gov bonds to capture stable, institutional-grade yield baselines.
03
Tactical layer.
Deploy into Investment Grade (IG) ultrashort sleeves only when credit spreads provide a clear premium over risk-free rates.
3 rules
Never breach the 20% minimum liquidity buffer core position.
✓
COPY TO YOUR PLAN
Zero credit allocation below A- / BBB+ for liquidity stability.
✓
✓
Weekly credit spread re-verification is non-negotiable.
Bonds
Instrument
Rating / CCY
Yield
Note
German Schatz 2Y
AAA / EUR
2.58%
Highest credit quality in the Eurozone
US 2-Year T-Note
AA+/Aaa / USD
3.78%
Highest yield among major safe-havens
French OAT 2Y
AA- / EUR
2.74%
Most accessible for Paris-based investors
Norway 2Y Govt Bond
AAA / NOK
4.44%
Best credit+yield combo
US 2Y TIPS
AA+/Aaa / USD
CPI + ~1.2%
Inflation-proof real return
Ranger ETF Shortlist — Balanced Allocation
Priority
Best ETF
Why
Core bond anchor
Euro Aggregate Bond ETF
Diversified fixed-income base for stability and income.
Short-duration stability
iShares € Govt Bond 3–5yr UCITS ETF
Adds sovereign bond exposure with moderate duration risk.
Quality equity core
MSCI World Quality UCITS ETF
Exposure to profitable companies with strong balance sheets and durable earnings.
Low-volatility equity
MSCI World Minimum Volatility UCITS ETF
Maintains equity exposure while reducing drawdown sensitivity.
Inflation protection
Euro Inflation-Linked Bond UCITS ETF
Supports the portfolio when inflation remains persistent.
Regime diversifier
Physical Gold ETC / Gold ETF
Provides low-correlation exposure during macro uncertainty.
This shortlist is for educational purposes only and does not constitute investment advice. ETF selection should be verified using current factsheets, costs, liquidity, index methodology and investor jurisdiction.