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Alternative Portfolio

Created byuser-xzokb7
Annual Rebalancing
EUR
Moderate Risk
6.7yr backtest
Analyse this portfolio
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Performance Summary

Total Return+88.97%
Annualized Return+9.97%
Volatility+10.83%
Sharpe Ratio0.74
Max Drawdown+22.70%

Holdings

Asset Allocation

Asset Class

Equity 65.0%Bonds 20.0%Precious Metals 10.0%Money Market 5.0%
Holdings Details
Diversified ETF portfolio blending 65% global equities, euro bonds, gold, and cash for balanced long-term growth across US, Europe, and emerging markets.
AssetTypeAllocationTER
VUAA.XETRA
Vanguard S&P 500 UCITS ETF (USD) Accumulating • IE00BFMXXD54
ETF
45.0%0.07%
EUNH.XETRA
iShares Core Euro Government Bond UCITS ETF (Dist) • IE00B4WXJJ64
ETF
20.0%0.07%
SGLD.AS
Invesco Physical Gold ETC • IE00B579F325
ETC
10.0%0.12%
XMME.XETRA
Xtrackers MSCI Emerging Markets UCITS ETF 1C • IE00BTJRMP35
ETF
10.0%0.18%
MEUD.PA
Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753
ETF
10.0%0.07%
XEON.XETRA
Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497
ETF
5.0%0.1%
Total100.0%0.09%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €18,896.65
Histogram of Monthly Returns
The portfolio had a positive return during 54 of the 81 months (67%)
Monthly Returns Heatmap
Best month: +6.7% • Worst month: -7.0% • Best year: 2024 (+23.6%) • Worst year: 2022 (-12.7%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.5%+1.7%-5.1%+5.9%+4.3%-0.0%-1.6%+2.2%+0.6%+0.5%--+11.1%
2025+3.5%-1.0%-4.4%-2.1%+3.7%+0.4%+3.4%-0.3%+3.4%+3.8%+0.3%+0.2%+10.9%
2024+1.6%+4.6%+3.6%-0.7%+0.8%+3.7%+0.7%-0.1%+2.1%+1.5%+4.5%-0.7%+23.6%
2023+3.6%-0.4%+0.7%+0.1%+1.7%+2.4%+1.7%-0.5%-1.7%-2.2%+4.5%+3.3%+13.7%
2022-3.2%-1.9%+2.1%-2.2%-2.6%-4.1%+6.7%-2.0%-4.7%+2.4%+1.1%-4.5%-12.7%
2021+0.7%+0.8%+4.3%+1.3%+0.4%+2.9%+1.4%+2.2%-1.8%+3.5%+1.1%+2.6%+20.8%
2020--6.7%-7.0%+6.7%+1.1%+1.8%+1.2%+3.0%-0.7%-1.2%+4.4%+1.6%+3.4%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +22.70% • The longest drawdown period lasted for 2 years and was between January 2022 and January 2024. It reached a trough of -13.5%.
When could this portfolio get you to financial independence?

Alternative Portfolio returned +9.97% a year over the 7 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (20.0% of total allocation)

Total Dividends Received

€239.85

13 payments

Dividend Yield

0.27%

(annualized)

Avg Per Payment

€18.45

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€87.79
2025€70.92
2024€44.27
2023€22.74
2022€5.62
2021€4.77
2020€3.74
Total€239.85

Detailed Metrics

Returns
Total Return
+88.97%
Annualized Return
+9.97%
Avg Monthly Return
+0.83%
Risk
Volatility (Annual)
+10.83%
Max Drawdown
+22.70%
Positive Months
67%
Average Drawdown
-4.4%
Risk-Adjusted
Sharpe Ratio
0.74
Risk-free rate: 2.0%
Sortino Ratio
0.68
Downside risk adjusted
Return/Volatility
0.92
Calmar Ratio
0.44
Return/Max Drawdown
Ulcer Index
5.56
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€18,896.65
Backtest Period
2020-02-04 to 2026-10-16
6.7 years
Rebalancing
annual
Base Currency
EUR