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Der Anlagehorizont soll überwiegend im mittel- bis langfristigen Bereich liegen.\r\n Der Kern soll aus passiven Aktien ETFs und ca. 5% Gold bestehen.\r\n Als Satelliten sollen ca. 7 unterschiedliche wikifolio-Zertifikate zum Einsatz kommen.\r\n In diesem Portfolio soll bis zum Zieljahr 2032 über ca. 7 Jahre das Marktrisiko reduziert werden. Dazu soll voraussichtlich quartalsweise die Gewichtung von zusätzlichen Geldmarkt-Produkten erhöht werden. Bis zum Zieljahr kann der Anteil von Geldmarkt-Produkten auch ca. 90% oder mehr ausmachen.\r\n Die Gewichtung soll quartalsweise überprüft werden, bei starken Abweichungen kann ein Rebalancing durchgeführt werden. 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