OTIUM

Monthly contribution (€) Payday (day of month) Track cash from Add the monthly contribution as cash on every payday Max days to wait for a dip Dip = bottom % of 1-month range Deep dip = % below 52-week high

Risk (%) Return (%) Entry (%) Diversity bonus, up to + (%)

Risk, return and entry make the base score; their weights are rescaled to add up to 100%, and lower risk scores higher. Diversity then multiplies the base: from ×1.0 for an ETF that spreads nothing to ×(1 + bonus) for one that moves independently. The result is scaled back to 0–100. The ETF with the highest horizon score is the payday suggestion.

1 month (%) 3 months (%) 6 months (%) 1 year (%)

Weights are rescaled to add up to 100%.

Volatility, 5 years (%) Max drop, 10 years (%) Worst days, 5 years (%) Volatility now vs normal (%)

Weights are rescaled to add up to 100%. Risk only informs you; it doesn't change the contribution advice.

Growth, 10 years (%) Growth, 5 years (%) Growth, 1 year (%) Positive years (%)

Weights are rescaled to add up to 100%. Return only informs you; it doesn't change the contribution advice.

Correlation, 5 years (%) Behaviour in your worst weeks (%) Correlation, 1 year (%)

Weights are rescaled to add up to 100%. Diversity only informs you; it doesn't change the contribution advice.