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Golden Butterfly EU

Created byuser-moch98
Annual Rebalancing
EUR
Low Risk
11.7yr backtest
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Performance Summary

Total Return+93.89%
Annualized Return+5.85%
Volatility+7.71%
Sharpe Ratio0.50
Max Drawdown+18.09%

Holdings

Asset Allocation

Asset Class

Bonds 40.0%Equity 40.0%Precious Metals 20.0%
Holdings Details
Diversified EU portfolio blending European stocks, US small-cap value, German bonds, short-term bonds, and gold for balanced growth.
AssetTypeAllocationTER
LYS4.XETRA
Amundi Euro Highest Rated Macro-Weighted Government Bond 1-3Y UCITS ETF Acc • LU1829219556
ETF
20.0%0.17%
EL4V.XETRA
Deka Deutsche Boerse EUROGOV Germany 10+ UCITS ETF • DE000ETFL219
ETF
20.0%0.15%
SXR7.XETRA
iShares Core MSCI EMU UCITS ETF EUR (Acc) • IE00B53QG562
ETF
20.0%0.12%
ZPRV.XETRA
SPDR MSCI USA Small Cap Value Weighted UCITS ETF • IE00BSPLC413
ETF
20.0%0.3%
4GLD.XETRA
Xetra-Gold • DE000A0S9GB0
ETF
20.0%0%
Total100.0%0.15%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €19,389.29
Histogram of Monthly Returns
The portfolio had a positive return during 90 of the 141 months (64%)
Monthly Returns Heatmap
Best month: +5.7% • Worst month: -8.2% • Best year: 2019 (+16.9%) • Worst year: 2022 (-9.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.5%+3.4%-5.0%+2.2%+1.4%+0.5%-0.9%+1.5%-2.4%+1.3%--+5.4%
2025+4.1%+0.1%-2.3%-0.4%+2.0%-1.0%+1.6%+1.0%+3.2%+2.5%+1.7%+1.0%+14.2%
2024-0.1%+0.4%+4.1%-1.1%+0.7%+0.1%+3.3%-0.1%+1.9%+0.8%+3.5%-2.4%+11.5%
2023+5.3%-1.0%+0.2%-0.5%-0.0%+1.3%+1.6%-0.9%-2.8%-0.6%+4.0%+4.6%+11.4%
2022-1.9%+0.2%+0.1%-1.1%-2.3%-4.0%+5.6%-3.1%-4.1%+2.3%+2.6%-3.8%-9.5%
2021+1.4%+0.4%+3.8%+0.7%+1.9%+0.1%+1.1%+0.9%-1.2%+2.4%+0.1%+1.7%+13.9%
2020+0.7%-2.8%-8.2%+5.7%+0.4%+1.7%+0.9%+0.7%-0.7%+0.0%+4.1%+1.6%+3.6%
2019+4.9%+1.8%+0.7%+1.5%-2.2%+3.8%+2.1%+1.2%+0.7%-0.4%+1.0%+0.6%+16.9%
2018-0.3%-1.3%-0.5%+2.1%+2.6%-0.6%+0.1%+0.3%-0.9%-1.5%+0.1%-3.0%-3.2%
2017-1.1%+3.1%-0.1%+0.2%-1.7%-1.3%-0.7%+0.6%+1.4%+1.1%-0.5%-0.1%+0.8%
2016-1.6%+3.2%+0.6%+1.5%+0.4%+1.3%+3.1%-0.4%+0.1%-1.4%+1.8%+2.2%+11.1%
2015-+1.3%+2.7%-2.1%+0.1%-3.1%+0.6%-4.8%-0.3%+4.0%+1.5%-3.5%-4.0%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +18.09% • The longest drawdown period lasted for 2 years and 3 months and was between November 2021 and March 2024. It reached a trough of -12.9%.
When could this portfolio get you to financial independence?

Golden Butterfly EU returned +5.85% a year over the 12 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

€660.01

39 payments

Dividend Yield

0.43%

(annualized)

Avg Per Payment

€16.92

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€85.79
2025€61.24
2024€56.11
2023€62.72
2022€47.57
2021€42.41
2020€47.56
2019€46.08
2018€53.13
2017€53.34
2016€52.21
2015€51.84
Total€660.01

Detailed Metrics

Returns
Total Return
+93.89%
Annualized Return
+5.85%
Avg Monthly Return
+0.50%
Risk
Volatility (Annual)
+7.71%
Max Drawdown
+18.09%
Positive Months
64%
Average Drawdown
-3.8%
Risk-Adjusted
Sharpe Ratio
0.50
Risk-free rate: 2.0%
Sortino Ratio
0.48
Downside risk adjusted
Return/Volatility
0.76
Calmar Ratio
0.32
Return/Max Drawdown
Ulcer Index
4.82
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€19,389.29
Backtest Period
2015-02-20 to 2026-10-16
11.7 years
Rebalancing
annual
Base Currency
EUR