$D5V0 (+0.48%) I've been trying to replicate the GPO myself since the start of the coronavirus. Because I am 100% convinced of the concept, but the costs of 0.7% p.a. are too high for me, especially in absolute terms with high investment assets.

...1 year ago I was ready with purchases and necessary reallocations.

And my last (current) 1-year performance is almost identical to the GPO (before deduction of GPO costs!).

My DIY GPO has a TER of less than 0.2% p.a. So I have saved myself 0.5% costs p.a., even if a DIY GPO is of course much more labor-intensive (due to rebalancing, crisis monitoring and market monitoring to select a suitable investment reserve (bonds).

...The GPO is 100% a long-term passive investment (from the investor's point of view).

Ergo:

If you want to invest "smaller" assets (up to 5-digit) well and extremely easily without any effort on your part, the GPO is an excellent fit (at acceptable costs).

For higher assets, my recommendation only applies if the TER of the GPO would fall to <=0.5%. (Gerd Kommer only uses 0.5% for his ETF).

Hello everyone,

Is there anyone here who knows/made/has available a simulation that applies the "GPO principle" to a "normalized" world market trend with "artificial" crisis times and intervals - and then compares this with a standard world ETF, for example?

...Then the speculation and discussion here would come to an end as to whether a cash reserve is worthwhile at the end of the day. 😎

Addendum:

By "simulation" I do not mean speculating or forecasting future events from the past, as many nonsensically do with individual stocks according to the motto "once growth - always growth"...

But rather the simulated application of the rules of a systematic investment strategy such as the GPO to probable future events, such as a bear market every few years or even a major stock market crisis with >20% drawdowns.

New savings plan - I'm a Dr. Beck fanboy