We didn’t optimise for the lowest drawdown or the highest return in isolation — anyone can cherry-pick one number. We built Raisin Capital Solutions around what an investor actually needs: access to your money, a risk level that doesn’t scare you off, and returns that respect the opportunity cost of every other option on the table. Below is that table — raw, market-printed, sourced past performance. Judge for yourself.
One rule for this whole page: every figure here is past performance — the alternatives’ and ours alike. The market is its own backtest: it printed what it printed, with no inputs or assumptions. We hold our own numbers to the same standard. Past results do not predict future outcomes, on either side.
Figures are indicative, sourced where linked, and rounded for readability. “Worst drawdown” is the largest peak-to-trough fall in roughly the last five years. All asset classes in France share the same 30% flat tax (PFU) — so the real differentiator isn’t tax, it’s net return for the risk and the lock-up you accept.
These are the everyday “safe” products your bank or insurer offers. Names differ by country — a regulated savings account is a Livret A in France, Tagesgeld in Germany, a cash ISA in the UK, a high-yield savings account in the US — so we use generic terms and typical EU/US ranges. The common thread: safe and liquid, but yields that barely keep pace with inflation.
| Product type | Typical yield / year | Worst drawdown | Risk-adj. (Calmar) | Leverage | Tax | Access to funds |
|---|---|---|---|---|---|---|
| Regulated / instant-access savings account | ~0.5–2.5% | ~0% | n/a | No | Often tax-free or taxed | Instant |
| High-yield savings / money-market account | ~2–4.5% (variable, rate-dependent) | ~0% | n/a | No | Taxed | Instant |
| Low-income / means-tested savings account | ~2.5–3% | ~0% | n/a | No | Usually tax-free | Instant |
| Home savings plan (property-purchase savings) | ~2–4% | ~0% | n/a | No | Taxed | Locked for a term |
| Life-insurance savings (capital-guaranteed fund) | ~2.5–3% | ~0% | n/a | No | Tax-advantaged after a holding period* | Hold years for tax break |
Safe and liquid — but the tax advantage can’t fix a yield that barely beats inflation. Even the “hold-long-enough, tax-advantaged” life-insurance fund averages only ~2.5–3%/yr, and local social charges often reduce the real take. *Tax break typically applies after a multi-year holding period; social charges may still apply. Ranges reflect typical EU and US products in 2026 and vary with central-bank rates.
This is an asset class, not a single product — fractional or tokenized property you buy a slice of and collect rent/interest from. Platforms exist worldwide; the names below are examples across France, the US and Germany, not endorsements. The pattern is the same everywhere: respectable headline yields, capital locked for months or years, no real secondary market, and capital never guaranteed.
| Example (country) | Avg yield / year | Worst drawdown | Risk-adj. (Calmar) | Leverage | Tax (FR) | Access to funds |
|---|---|---|---|---|---|---|
| Bricks.co (FR) | 8–10.4% gross (7.78% net 2025) | N/A† | N/A | No | 30% PFU | Frozen 10–36 mo |
| La Première Brique (FR) | 11–12% | N/A† | N/A | No | 30% PFU | Frozen 16–18 mo |
| Fundrise (US crowdfunding) | ~10.6% (6-yr avg; ~9.5% 2019) | N/A† | N/A | No | 30% PFU | Redemption limited/delayed |
| Lofty AI (US tokenized) | ~9.2% (11% marketed) | N/A† | N/A | No | 30% PFU | Thin resale market |
| Arrived (US tokenized) | ~3.6% SFR / ~8.1% credit | N/A† | N/A | No | 30% PFU | Locked to project term |
| RealT (US tokenized) | was ~9.6% — in liquidation, payouts suspended Feb 2026 | N/A† | N/A | No | 30% PFU | Capital stuck |
| Exporo (DE) | ~5–6% target | N/A† | N/A | No | 30% PFU | Fixed multi-year term |
† No drawdown figure because there’s no live market price — but that’s the hidden risk, not the absence of one: no real secondary market, capital illiquid for the whole term, and capital is never guaranteed. Headline yields are usually gross/best-case before fees; realised net is lower. The RealT case is the cautionary one — a well-known tokenized platform that went into liquidation and suspended investor distributions in Feb 2026, leaving capital stuck. You trade a visible drawdown for an invisible lock-up.
| Asset | Avg yield 5yr | Avg yield 10yr | Worst drawdown | Risk-adj. (Calmar) | Leverage | Tax (FR) | Access to funds |
|---|---|---|---|---|---|---|---|
| US — S&P 500 (TR) | ~13.9% | ~15.5% | ~−25% (2022) | ~0.6 | Possible | 30% PFU | Instant |
| US — Nasdaq 100 | ~18% | ~18–19% | ~−33% (2022) | ~0.55 | Possible | 30% PFU | Instant |
| Europe — CAC 40 (TR) | ~10–12% | ~8–9% | ~−20% (2022) | ~0.5 | Possible | 30% PFU | Instant |
| Europe — Euro Stoxx 50 | ~11% | ~7–8% | ~−22% | ~0.5 | Possible | 30% PFU | Instant |
| Dividend Aristocrats | ~9–10% | ~10–11% | ~−22% (2022) | ~0.45 | Possible | 30% PFU | Instant |
| Gold | ~12–14% | ~9–10% | ~−27% (from ATH) | ~0.5 | Possible | 30% PFU | Instant |
| Oil CFD (WTI) | highly variable | ~flat / low | −75%+ (went negative 2020) | <0.1 | Yes (CFD) | 30% PFU | Instant |
Real returns, real liquidity — and real drawdowns of −20% to −33% you had to sit through. Oil via CFD is the cautionary extreme: leveraged, and it printed negative prices in April 2020.
| Approach | Reality | Worst drawdown | Risk-adj. (Calmar) | Leverage | Tax (FR) |
|---|---|---|---|---|---|
| Bitcoin (buy & hold) | High long-run — if you held | ~−75% (2022) | ~0.2 | Yes | 30% PFU |
| Typical retail trader | ~¾ lost money (BIS) | — | negative | Yes | 30% PFU |
A Bank for International Settlements study across 95 countries (2015–2022) found around three-quarters of crypto app users lost money — most bought near peaks, driven in by rising prices rather than conviction. The headline “crypto returns” belong to people who bought the bottom and held; most investors sold too early or too late, leaving the majority of the move — or the loss — on the table.
| Portfolio | Avg yield / year | Worst drawdown | Risk-adj. (Calmar) | Leverage | Tax (FR) | Access to funds |
|---|---|---|---|---|---|---|
| Gold strategy VERIFIED | ~14.9% | ~5% | ~3.0 | Yes* | 30% PFU‡ | Withdraw anytime |
| Ignition portfolio | ~50% (composite backtest) | to be finalised | high | Yes* | 30% PFU‡ | Withdraw anytime |
The verified single-strategy row is drawn from a documented, 100%-real-tick backtest (XAUUSD, Jan 2024–Oct 2026). Ignition combines several such strategies; its composite figure is backtested and will be finalised as the portfolio is completed — shown here as historical, not a forecast. ‡ 30% flat tax shown for an unoptimised regime; a PEA or assurance-vie wrapper can reduce it. *Our strategies use leverage in execution, within capped, known per-trade risk — and within Fusion Markets’ copy-trading program you set your own allocation and risk multiple, so you can take on more or less risk to suit you. The number that matters most isn’t the return — it’s the Calmar ~3.0: roughly six times the risk-adjusted efficiency of the broad market, and it’s real, not an assumption.
💡 One caution on “withdraw anytime.” You can take your profits out whenever you want — but pulling them out works against you. Compounding is the whole point: every euro left in keeps earning on top of what it already earned, while every euro withdrawn stops working. Taking profits early is the single easiest way to turn an exceptional long-run result into an ordinary one. Liquidity is there for peace of mind — not as an invitation to interrupt the compounding.
Banks keep your money safe and liquid but barely ahead of inflation. Tokenized real estate pays more but locks your capital away with no guarantee. Markets deliver real growth but hand you −20% to −33% drops to live through. Crypto made a few people rich and most people poorer.
We built Raisin Capital Solutions for the investor who wants returns that justify the opportunity cost, risk they can actually hold, and money they can reach whenever they want. Not the lowest drawdown. Not the highest headline. The right balance for a real person’s real needs.
Our portfolios are available exclusively through Fusion Markets’ copy-trading program — the regulated framework that makes performance-based copy trading possible. You open your own account within that program and your capital stays in your name; you can stop copying at any moment and withdraw your available funds whenever you want. That access is handled by the broker’s program, not by us. There is no lock-up and no frozen capital.
Copy trading lets you automatically copy the trades of another account. You remain in full control of your account and can stop copying or withdraw your available funds at any time. — Fusion Markets, copy-trading terms
