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Daniel 1

Created byuser-fkpbba
Monthly Rebalancing
EUR
Moderate Risk
7.2yr backtest
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Performance Summary

Total Return+108.38%
Annualized Return+10.69%
Volatility+12.82%
Sharpe Ratio0.68
Max Drawdown+27.94%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Bonds 20.0%
Holdings Details
A diversified ETF portfolio with 80% global and US equities plus 20% EUR and USD bonds, balancing long-term growth with steady income and stability.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
40.0%0.19%
SXR8.XETRA
iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087
ETF
30.0%0.07%
VGWD.XETRA
Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10
ETF
10.0%0.29%
VGEA.XETRA
Vanguard EUR Eurozone Government Bond UCITS ETF Accumulating • IE00BH04GL39
ETF
10.0%0.07%
EUNX.XETRA
iShares US Aggregate Bond UCITS ETF (Dist) • IE00B44CGS96
ETF
10.0%0.25%
Total100.0%0.16%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €20,838.36
Histogram of Monthly Returns
The portfolio had a positive return during 56 of the 88 months (64%)
Monthly Returns Heatmap
Best month: +8.5% • Worst month: -9.1% • Best year: 2021 (+26.1%) • Worst year: 2022 (-12.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.7%+1.6%-3.9%+6.4%+4.8%+1.3%-1.1%+1.6%+1.3%+1.1%--+14.2%
2025+3.5%-1.6%-6.5%-3.9%+4.8%+0.5%+4.3%-0.5%+2.3%+3.7%-0.2%+0.0%+6.0%
2024+2.7%+2.8%+3.2%-1.7%+0.8%+4.4%+0.5%-0.4%+1.5%+1.0%+6.3%-1.2%+21.6%
2023+3.7%-0.0%+0.2%+0.0%+2.3%+2.7%+1.9%-0.2%-1.5%-2.8%+4.8%+3.7%+15.4%
2022-3.7%-1.8%+3.4%-2.0%-2.8%-4.9%+8.5%-1.7%-5.1%+3.2%+0.4%-5.3%-12.1%
2021+0.8%+2.2%+5.5%+1.0%-0.4%+4.1%+1.3%+2.4%-1.4%+3.8%+1.2%+3.1%+26.1%
2020+0.3%-6.6%-9.1%+8.3%+1.3%+1.5%-0.4%+4.3%-0.7%-1.6%+6.9%+1.1%+4.0%
2019------+0.2%-0.8%+2.6%-0.5%+3.6%+1.4%+6.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +27.94% • The longest drawdown period lasted for 1 year and 11 months and was between January 2022 and December 2023. It reached a trough of -14.0%.
When could this portfolio get you to financial independence?

Daniel 1 returned +10.69% 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 2 distributing ETFs (20.0% of total allocation)

Total Dividends Received

€604.73

43 payments

Dividend Yield

0.59%

(annualized)

Avg Per Payment

€14.06

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€78.49
2025€115.40
2024€106.59
2023€86.05
2022€73.87
2021€62.93
2020€53.40
2019€28.00
Total€604.73

Detailed Metrics

Returns
Total Return
+108.38%
Annualized Return
+10.69%
Avg Monthly Return
+0.89%
Risk
Volatility (Annual)
+12.82%
Max Drawdown
+27.94%
Positive Months
64%
Average Drawdown
-4.5%
Risk-Adjusted
Sharpe Ratio
0.68
Risk-free rate: 2.0%
Sortino Ratio
0.62
Downside risk adjusted
Return/Volatility
0.83
Calmar Ratio
0.38
Return/Max Drawdown
Ulcer Index
5.87
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€20,838.36
Backtest Period
2019-07-25 to 2026-10-16
7.2 years
Rebalancing
monthly
Base Currency
EUR