HomePortfoliosPAC FINECO 2

PAC FINECO 2

Created byuser-xzokb7
Monthly Rebalancing
EUR
Moderate Risk
Multi-currency
9.3yr backtest
Analyse this portfolio
Compare OptimizeFIRE

Performance Summary

Total Return+123.24%
Annualized Return+9.01%
Volatility+12.60%
Sharpe Ratio0.56
Max Drawdown+27.36%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Bonds 20.0%
Holdings Details
Diversified ETF portfolio with 80% global and emerging market equities plus 20% Euro government bonds, balancing growth with stability for long-term investors.
AssetTypeAllocationTER
SWDA.SW
iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983
ETF
60.0%0.2%
EUNH.XETRA
iShares Core Euro Government Bond UCITS ETF (Dist) • IE00B4WXJJ64
ETF
20.0%0.07%
XMME.XETRA
Xtrackers MSCI Emerging Markets UCITS ETF 1C • IE00BTJRMP35
ETF
20.0%0.18%
Total100.0%0.17%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €22,324.07
Histogram of Monthly Returns
The portfolio had a positive return during 76 of the 113 months (67%)
Monthly Returns Heatmap
Best month: +7.8% • Worst month: -10.1% • Best year: 2019 (+24.1%) • Worst year: 2022 (-14.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.3%+2.7%-5.7%+7.8%+5.4%+1.2%-2.3%+2.0%+1.3%-0.1%--+13.9%
2025+2.9%-1.4%-5.6%-2.7%+4.5%+0.8%+3.2%+0.5%+2.8%+3.7%-0.4%+0.2%+8.4%
2024+1.8%+2.7%+3.1%-1.1%+0.5%+4.0%+0.5%-0.4%+2.2%-0.0%+5.0%-0.6%+19.0%
2023+5.1%-0.8%+0.7%-0.4%+1.3%+3.0%+2.5%-1.4%-1.7%-2.9%+5.3%+3.5%+14.7%
2022-3.5%-2.0%+1.8%-2.3%-2.9%-5.0%+7.3%-1.6%-6.0%+1.9%+2.1%-5.0%-14.9%
2021+1.3%+1.8%+3.9%+0.8%+0.2%+3.3%+0.2%+2.1%-1.7%+3.0%+0.3%+2.5%+19.2%
2020+0.1%-6.3%-10.1%+7.8%+1.7%+2.5%+0.2%+4.2%-0.4%-1.3%+6.7%+2.6%+6.4%
2019+7.0%+2.4%+2.1%+2.7%-3.9%+3.4%+3.0%-1.9%+2.7%+0.1%+2.9%+1.6%+24.1%
2018+0.9%-1.4%-2.6%+3.4%+1.3%+0.1%+1.5%+0.0%+0.5%-4.5%+1.6%-5.5%-5.1%
2017------1.7%+0.1%+0.3%+1.6%+3.3%-0.4%+1.1%+4.2%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +27.36% • The longest drawdown period lasted for 2 years and 2 months and was between November 2021 and February 2024. It reached a trough of -16.1%.
When could this portfolio get you to financial independence?

PAC FINECO 2 returned +9.01% a year over the 9 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

€335.18

19 payments

Dividend Yield

0.25%

(annualized)

Avg Per Payment

€17.64

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€107.21
2025€81.64
2024€58.17
2023€28.59
2022€6.93
2021€6.42
2020€11.67
2019€14.25
2018€13.69
2017€6.61
Total€335.18

Detailed Metrics

Returns
Total Return
+123.24%
Annualized Return
+9.01%
Avg Monthly Return
+0.76%
Risk
Volatility (Annual)
+12.60%
Max Drawdown
+27.36%
Positive Months
67%
Average Drawdown
-4.6%
Risk-Adjusted
Sharpe Ratio
0.56
Risk-free rate: 2.0%
Sortino Ratio
0.51
Downside risk adjusted
Return/Volatility
0.72
Calmar Ratio
0.33
Return/Max Drawdown
Ulcer Index
6.18
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€22,324.07
Backtest Period
2017-06-26 to 2026-10-16
9.3 years
Rebalancing
monthly
Base Currency
EUR