World Portfolios · ESG variants · Halal
You decide for yourself how much risk you want to take. Pensionflow offers you four global investment strategies: a 60 % equity share stands for lower risk, a 100 % equity share offers the highest return potential – complemented by bonds, which provide stability and deliver regular interest income. New: our Sharia-compliant strategy for values-based investing according to Islamic principles.
This portfolio pursues a return-oriented strategy and invests 100 % in a globally diversified equity portfolio. Particularly suitable for long-term investors with a high risk appetite – over a longer holding period it offers the potential for maximum return.
This balanced portfolio combines 80 % globally diversified equities with 20 % bonds as an admixture. The bonds lower the risk, as they are usually less prone to fluctuation. A balanced mix of return and risk – especially for investors who value stability.
With 60 % globally diversified equities and 40 % bonds, this portfolio aims to avoid strong swings in value. Particularly suitable for conservative investors – and also for anyone still unsure whether they will need access to their savings in the short to medium term.
Our strategy for investors who want to build retirement provision according to Islamic investment principles. It invests 100 % in globally diversified equity ETFs tracking Sharia-compliant indices: excluded are, among other things, interest-based financial transactions as well as companies from areas such as alcohol, tobacco, gambling and defence. The screening follows recognised Islamic standards (e.g. AAOIFI) and is regularly reviewed by independent Sharia boards of the index providers. Conventional interest-bearing bonds are deliberately left out. More about the Weltportfolio Halal ↓
Every strategy combines the same building blocks – only the weighting differs. You additionally choose whether you invest conventionally or sustainably. The Weltportfolio Halal is a standalone portfolio with a single Sharia-compliant world ETF.
| Building block | Zielorientiert | Stabilität | Flexibilität | Halal |
|---|---|---|---|---|
| Equities USASPDR S&P 500 ETF · 0.03 % p. a. | 50 % | 40 % | 30 % | – |
| Equities EuropeAmundi Core Stoxx Europe 600 ETF · 0.07 % p. a. | 25 % | 20 % | 15 % | – |
| Equities JapaniShares Core MSCI Japan IMI ETF · 0.12 % p. a. | 5 % | 4 % | 3 % | – |
| Equities emerging marketsiShares Core MSCI EM IMI ETF · 0.18 % p. a. | 20 % | 16 % | 12 % | – |
| Bonds globalVanguard Global Aggregate Bond ETF · 0.08 % p. a. | – | 20 % | 40 % | – |
| Equities world · Sharia-compliantiShares MSCI World Islamic UCITS ETF · 0.30 % p. a. | – | – | – | 100 % |
| Building block | Zielorientiert | Stabilität | Flexibilität |
|---|---|---|---|
| Equities USAUBS S&P 500 ESG Elite ETF · 0.15 % p. a. | 50 % | 40 % | 30 % |
| Equities EuropeAmundi MSCI Europe SRI Climate PAB ETF · 0.18 % p. a. | 25 % | 20 % | 15 % |
| Equities JapanAmundi MSCI Japan SRI Climate PAB ETF · 0.18 % p. a. | 5 % | 4 % | 3 % |
| Equities emerging marketsAmundi MSCI EM SRI Climate PAB ETF · 0.25 % p. a. | 20 % | 16 % | 12 % |
| Bonds euroAmundi EUR Corporate Bond ESG ETF · 0.14 % p. a. | – | 20 % | 40 % |
ISINs conventional: SPDR S&P 500 IE000XZSV718 · Amundi Stoxx Europe 600 LU0908500753 · iShares MSCI Japan IMI IE00B4L5YX21 · iShares MSCI EM IMI IE00BKM4GZ66 · Vanguard Global Aggregate Bond IE00BG47KH54. ISINs sustainable: UBS S&P 500 ESG Elite IE00BLSN7P11 · Amundi Europe SRI PAB LU1861137484 · Amundi Japan SRI PAB LU2233156749 · Amundi EM SRI PAB LU1861138961 · Amundi EUR Corporate Bond ESG LU1437018168. Weltportfolio Halal: iShares MSCI World Islamic IE00B27YCN58.
Source: fund information from Alte Leipziger, as at 15.06.2026. Composition and costs may change. Return and volatility are historical figures and not a reliable indicator of future performance.
Many Muslims in Germany face the same dilemma: providing for old age – but without interest-based transactions (riba) and without holdings in industries that are incompatible with their faith. With our Weltportfolio Halal (Islamic Finance) you no longer have to choose between return and values: you invest in equities with worldwide diversification – 100 % halal and Sharia-compliant.
No riba: no interest-based bonds, no conventional banks or insurers. Also excluded are companies from areas such as alcohol, tobacco, gambling, defence and pork processing.
The selection follows the MSCI World Islamic Index. Compliance with Sharia principles is overseen by independent panels of Islamic scholars (Sharia boards) at the index provider and the fund company – with regular review of the companies.
The same terms as with all strategies: tax advantages under the 12/62 rule, flexible contributions from 50 €, cancellable free of charge at any time, lifelong annuity available – fully digital in the app.
Source: fund factsheet from Alte Leipziger. Details may change; past performance is not a reliable indicator of the future. The investment risk is borne by the policyholder.
Sharia-compliant (halal) investing follows the rules of Islamic law: avoiding interest-based transactions (riba) and excessive speculation, as well as excluding companies from incompatible industries such as alcohol, tobacco, gambling, defence, pork processing and conventional financial services. In addition, financial ratio filters apply, for example regarding company debt.
The underlying MSCI World Islamic Index is monitored by an independent panel of Islamic scholars (Sharia board); the fund company BlackRock has also appointed its own Sharia committee for the iShares MSCI World Islamic ETF. The companies included are reviewed regularly and removed from the index in the event of breaches.
No. The strategy is open to everyone who wants to invest in equities in a values-based way with worldwide diversification – for example also investors who want to avoid conventional financial stocks or certain industries on principle.
Yes. The strategy runs in the same ETF pension insurance: earnings remain tax-free during the savings phase, the tax advantages of the 12/62 rule apply, contributions can be flexibly adjusted from 50 € per month, and you can choose a lifelong annuity.
The global equity market fluctuates in the short term – over the long term it has historically been the strongest engine of return for building wealth. That is exactly what all four strategies rely on.
Model calculation: 200 € monthly contribution, constant return of 5 %, 6 % or 7 % p. a. with monthly compounding, before costs and taxes. Simplified illustration – actual returns fluctuate. Past performance and forecasts are not a reliable indicator of future performance.
