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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.

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