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Golden Ratio EU USA Growth

Created byuser-moch98
Annual Rebalancing
EUR
Low Risk
Multi-currency
6.0yr backtest
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Performance Summary

Total Return+82.65%
Annualized Return+10.63%
Volatility+8.95%
Sharpe Ratio0.96
Max Drawdown+14.04%

Holdings

Asset Allocation

Asset Class

Equity 42.0%Bonds 32.0%Precious Metals 16.0%Commodities 10.0%
Holdings Details
Diversified ETF portfolio blending US growth, small-cap value, European bonds, and gold for balanced, multi-asset exposure.
AssetTypeAllocationTER
DBXF.XETRA
Xtrackers Eurozone Government Bond 15-30 UCITS ETF 1C • LU0290357507
ETF
26.0%0.15%
ZPRV.XETRA
SPDR MSCI USA Small Cap Value Weighted UCITS ETF • IE00BSPLC413
ETF
21.0%0.3%
IUSG.US
iShares Core S&P U.S. Growth ETF • US4642876712
ETF
21.0%0.04%
4GLD.XETRA
Xetra-Gold • DE000A0S9GB0
ETF
16.0%0%
SXRS.XETRA
iShares Diversified Commodity Swap UCITS ETF • IE00BDFL4P12
ETF
10.0%0.19%
PRAB.XETRA
Amundi Prime Euro Government Bond 0-1Y UCITS ETF Acc • LU2233156582
ETF
6.0%0.05%
Total100.0%0.13%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €18,264.88
Histogram of Monthly Returns
The portfolio had a positive return during 48 of the 73 months (66%)
Monthly Returns Heatmap
Best month: +8.1% • Worst month: -6.3% • Best year: 2021 (+21.7%) • Worst year: 2022 (-11.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.4%+2.3%-2.3%+3.8%+2.2%-0.7%-0.8%+2.0%-1.0%+1.3%--+10.3%
2025+3.2%-1.3%-4.7%-2.0%+2.5%-0.3%+2.6%+0.6%+3.7%+3.3%+1.5%+0.1%+9.2%
2024+0.5%+1.5%+3.8%-1.2%+1.2%+1.9%+2.3%-0.9%+2.3%+1.7%+6.2%-2.0%+18.5%
2023+4.5%-1.4%+0.1%-1.2%+1.4%+2.3%+2.0%-0.1%-3.1%-0.8%+3.6%+4.9%+12.4%
2022-2.0%+0.6%+2.6%-2.0%-2.8%-4.9%+8.1%-2.9%-5.1%+1.9%+1.2%-6.3%-11.8%
2021+2.3%+0.7%+3.7%+1.4%+0.8%+2.2%+2.0%+1.4%-0.6%+3.6%+0.9%+1.5%+21.7%
2020----------0.3%+4.5%+1.8%+6.0%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +14.04% • The longest drawdown period lasted for 1 year and 12 months and was between March 2022 and March 2024. It reached a trough of -14.0%.
When could this portfolio get you to financial independence?

Golden Ratio EU USA Growth returned +10.63% a year over the 6 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 (21.0% of total allocation)

Total Dividends Received

€135.02

25 payments

Dividend Yield

0.17%

(annualized)

Avg Per Payment

€5.40

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€13.76
2025€18.77
2024€21.76
2023€35.29
2022€21.29
2021€18.40
2020€5.75
Total€135.02

Detailed Metrics

Returns
Total Return
+82.65%
Annualized Return
+10.63%
Avg Monthly Return
+0.86%
Risk
Volatility (Annual)
+8.95%
Max Drawdown
+14.04%
Positive Months
66%
Average Drawdown
-4.4%
Risk-Adjusted
Sharpe Ratio
0.96
Risk-free rate: 2.0%
Sortino Ratio
0.93
Downside risk adjusted
Return/Volatility
1.19
Calmar Ratio
0.76
Return/Max Drawdown
Ulcer Index
5.58
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€18,264.88
Backtest Period
2020-10-29 to 2026-10-16
6.0 years
Rebalancing
annual
Base Currency
EUR