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75-5-20

Created byuser-fkxczf
Annual Rebalancing
EUR
Low Risk
1.4yr backtest
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Performance Summary

Total Return+23.63%
Annualized Return+16.87%
Volatility+8.88%
Sharpe Ratio1.68
Max Drawdown+6.35%

Holdings

Asset Allocation

Asset Class

Equity 67.0%Bonds 25.0%Precious Metals 8.0%
Holdings Details
Diversified ETF portfolio blending global stocks, Italian bonds, and gold for balanced growth across developed and emerging markets.
AssetTypeAllocationTER
XDWD.XETRA
Xtrackers MSCI World UCITS ETF 1C • IE00BJ0KDQ92
ETF
34.0%0.12%
LU2976318704
YourIndex SICAV - 3-5 Year Italian Government Bond Z • LU2976318704
FUND
25.0%0.15%
SPPW.XETRA
SPDR MSCI World UCITS ETF • IE00BFY0GT14
ETF
14.0%0.12%
EXU1.XETRA
Xtrackers MSCI World ex USA UCITS ETF 1D • IE000Z0FC0G5
ETF
8.0%0.15%
EMXC.XETRA
Amundi MSCI Emerging Ex China UCITS ETF Acc • LU2009202107
ETF
8.0%0.15%
SGLD.AS
Invesco Physical Gold ETC • IE00B579F325
ETC
8.0%0.12%
SXR1.XETRA
iShares Core MSCI Pacific ex Japan UCITS ETF (Acc) • IE00B52MJY50
ETF
2.0%0.2%
FLXC.XETRA
Franklin FTSE China UCITS ETF • IE00BHZRR147
ETF
1.0%0.19%
Total100.0%0.13%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €12,362.81
Histogram of Monthly Returns
The portfolio had a positive return during 14 of the 17 months (82%)
Monthly Returns Heatmap
Best month: +5.7% • Worst month: -5.4% • Best year: 2026 (+12.0%) • Worst year: 2025 (+10.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.6%+2.5%-5.4%+5.7%+4.2%+0.4%-1.4%+2.2%+0.5%+0.5%--+12.0%
2025------0.3%+3.0%+0.0%+2.8%+3.7%+0.1%+0.6%+10.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +6.35% • The longest drawdown period lasted for 1 month and was between February 2026 and April 2026. It reached a trough of -6.4%.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (8.0% of total allocation)

Total Dividends Received

€29.27

5 payments

Dividend Yield

0.19%

(annualized)

Avg Per Payment

€5.85

per event

All dividends are automatically reinvested at the payment date. The portfolio value shown includes the compounding effect of dividend reinvestment.

Annual Breakdown
Dividend income per calendar year
YearDividends
2026€16.96
2025€12.30
Total€29.27

Detailed Metrics

Returns
Total Return
+23.63%
Annualized Return
+16.87%
Avg Monthly Return
+1.29%
Risk
Volatility (Annual)
+8.88%
Max Drawdown
+6.35%
Positive Months
82%
Average Drawdown
-1.1%
Risk-Adjusted
Sharpe Ratio
1.68
Risk-free rate: 2.0%
Sortino Ratio
1.75
Downside risk adjusted
Return/Volatility
1.90
Calmar Ratio
2.66
Return/Max Drawdown
Ulcer Index
1.37
Drawdown depth & duration
Martin Ratio
0.11
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€12,362.81
Backtest Period
2025-06-05 to 2026-10-15
1.4 years
Rebalancing
annual
Base Currency
EUR