Portfolio Simulator

Build your own portfolio of UCITS funds and see how it would have behaved on historical prices and distributions, how much income it paid, and how much it is expected to pay from now on.

Add your taxes to see net figures.
bought each month across the funds you hold
also shows the value at today's prices

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Simulated from Sep 2017, the first month with all your funds, to Sep 2026 .

Expected income from now on
€9 /month
1.3% a year on today's value of €8,637, based on each fund's distributions over the last 12 months.
Current value
€8,637
Capital invested: €10,000, Sep 2017 – Sep 2026
Income paid out
€894
Total income received: €894
Total account value
€9,531
Value plus income paid out, -4.7% on capital
Return (time-weighted)
-5.3%
-0.6% a year. S&P 500: +257.6% (+15.2% a year)
Dividend yield
1.28%
what your funds pay today, on the current value
Yield on cost
1.10%
last 12 months of income against what you put in
Income growth
+39.7%
a year, first full year against the last
Average cost
0.20%
weighted TER of your funds, a year
Max drawdown
-23.6%
Largest fall from a previous peak, month-end values
Taxes paid
€0
No tax applied
Pro

The full analysis of your portfolio is part of Pro

The income it would pay and the value it reached are open to everyone. Pro adds the performance and income charts, the fund-by-fund table, the monthly log, the detailed metrics, the heatmap and the drawdown analysis — plus your own taxes and commissions applied to every figure, and up to 20 funds.

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Buy and hold: every fund is bought once at the start, at the closing price of the last trading day of the month, and never sold. Reinvested income goes back into the fund that paid it. The simulation starts in the first month in which all the funds you chose were available. Expected income assumes each fund keeps paying what it paid in the last 12 months (annualised for younger funds): distributions can change at any time. Amounts are converted to euro at the daily exchange rate; trading commissions are not included. Past performance is not a reliable indicator of future results.

Important information. Master of Yield is an independent research tool. All content on this site, including fund data, screeners, scores, model portfolios and backtests, is provided for information and education only. Nothing here is investment, legal, tax or accounting advice, nor a recommendation or solicitation to buy, sell or hold any financial instrument. We are not a broker, a bank or an authorised investment adviser, and we have no knowledge of your personal circumstances. Any investment decision you make is yours alone: consult a qualified adviser before acting.

Our approach. Our model portfolios follow a purely quantitative, rules-based method focused on income. Funds are selected, ranked and rotated by statistical criteria applied mechanically: price erosion since inception, sustainability of distributions, dividend growth, yield and total return. No discretionary judgement or view on individual companies or markets is involved, and the same rules apply to every fund.

About the backtests. Portfolio results are hypothetical simulations run on historical data, not records of real trades or of any real account. Among other simplifications, they assume every fund could be bought and sold at its month-end price with no spread, commission or market impact; they show figures before tax unless you set your own tax profile under "Taxes", where you choose your country and can adjust every rate and the commission your broker charges per trade — those figures are an estimate, not a tax calculation; and they convert every amount to euro at the daily exchange rate. The fund universe only contains products that exist today, so funds that closed in the past are missing, which tends to flatter results. Many funds have short histories, so some results cover only a few years of a largely rising market. Rules may be refined over time and each refinement is applied to the full history, so past results can change. Past or simulated performance does not guarantee future results, and every investment can lose value, including the capital invested.

About the data. Data is collected from publicly available open sources and third-party providers and is not independently verified. No warranty is given as to its accuracy, completeness or timeliness. Always check figures with the fund provider before acting. Fund reference data (expense ratio, fund size, domicile) is completed with the EU ETF Universe dataset by Danimoth, used under the CC BY 4.0 licence: danimoth.com/dataset.

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