Assets › intl-equity
International Equity — US/Global FoF
Below 12% forward floor — included only for diversification, excluded from optimizer by default.
Fwd expected return 5.0%
Annualised volatility 17.0%
Sleeve intl-equity
Below floor Below 12%
Historical CAGR — trailing (not forward estimates)
| 3Y | 5Y |
|---|---|
| 15.5% | 11.5% |
Trailing figures are inflated by the 2020-2025 bull market. Forward estimate (5.0%) is used for optimization.
Risk notes
Forward only 4-6% INR net (Vanguard VCMM Jun-2026 base 4.2-6.2% USD gross, minus 1.1-2.0% double-layer FoF fees + 12.5% LTCG, plus rupee slip). Held for geographic + currency diversification, NOT return. S&P500 drawdowns -56.8% (GFC), -33.9% (2020). 30% probability of near-zero decade.
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