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combined

Created byuser-qw31vm
Annual Rebalancing
EUR
Moderate Risk
7.2yr backtest
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Performance Summary

Total Return+127.67%
Annualized Return+12.06%
Volatility+15.82%
Sharpe Ratio0.64
Max Drawdown+34.74%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
Diversified all-equity ETF portfolio blending global large caps, momentum, small caps, and European dividend stocks for long-term growth.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
55.0%0.19%
IS3R.XETRA
iShares Edge MSCI World Momentum Factor UCITS ETF (Acc) • IE00BP3QZ825
ETF
15.0%0.25%
IUSN.XETRA
iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31
ETF
15.0%0.35%
EHDV.XETRA
Invesco EURO STOXX High Dividend Low Volatility UCITS ETF • IE00BZ4BMM98
ETF
15.0%0.3%
Total100.0%0.24%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €22,767.02
Histogram of Monthly Returns
The portfolio had a positive return during 56 of the 88 months (64%)
Monthly Returns Heatmap
Best month: +9.7% • Worst month: -13.3% • Best year: 2021 (+26.4%) • Worst year: 2022 (-12.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.9%+2.6%-5.3%+8.7%+5.5%+2.7%-2.2%+1.7%+1.5%-0.4%--+17.2%
2025+5.0%-1.3%-5.9%-2.7%+6.3%+0.7%+3.9%+0.2%+2.4%+3.4%+0.1%+0.8%+13.0%
2024+2.7%+3.7%+4.1%-1.8%+1.9%+3.0%+1.0%-0.4%+1.6%+0.5%+5.8%-1.5%+22.6%
2023+4.7%+0.5%-1.4%+0.5%+0.5%+3.6%+2.6%-1.1%-1.8%-3.7%+5.9%+4.5%+15.3%
2022-4.7%-1.8%+3.4%-2.2%-2.7%-6.7%+8.1%-1.6%-6.3%+5.1%+1.6%-4.8%-12.9%
2021+1.4%+2.6%+5.6%+1.7%-0.3%+3.5%+1.0%+2.9%-1.7%+4.3%-0.5%+3.5%+26.4%
2020-0.6%-8.6%-13.3%+9.4%+2.5%+2.6%-0.2%+5.3%-0.9%-2.3%+9.7%+2.3%+3.5%
2019-------0.2%-1.8%+3.0%+0.3%+3.8%+1.8%+6.8%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +34.74% • The longest drawdown period lasted for 2 years and 1 month and was between November 2021 and January 2024. It reached a trough of -16.4%.
When could this portfolio get you to financial independence?

combined returned +12.06% 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 (15.0% of total allocation)

Total Dividends Received

€740.72

26 payments

Dividend Yield

0.71%

(annualized)

Avg Per Payment

€28.49

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€121.89
2025€161.08
2024€128.01
2023€111.85
2022€102.83
2021€81.06
2020€33.99
Total€740.72

Detailed Metrics

Returns
Total Return
+127.67%
Annualized Return
+12.06%
Avg Monthly Return
+1.01%
Risk
Volatility (Annual)
+15.82%
Max Drawdown
+34.74%
Positive Months
64%
Average Drawdown
-5.5%
Risk-Adjusted
Sharpe Ratio
0.64
Risk-free rate: 2.0%
Sortino Ratio
0.57
Downside risk adjusted
Return/Volatility
0.76
Calmar Ratio
0.35
Return/Max Drawdown
Ulcer Index
7.27
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€22,767.02
Backtest Period
2019-07-25 to 2026-10-16
7.2 years
Rebalancing
annual
Base Currency
EUR