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Created byuser-0piyh2
Annual Rebalancing
EUR
Moderate Risk
Multi-currency
3.3yr backtest
Analyse this portfolio
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Performance Summary

Total Return+74.72%
Annualized Return+18.30%
Volatility+10.52%
Sharpe Ratio1.55
Max Drawdown+16.67%

Holdings

Asset Allocation

Asset Class

Equity 73.5%Bonds 13.5%Precious Metals 5.0%Cryptocurrencies 5.0%Commodities 3.0%
Holdings Details
Diversified ETF portfolio blending 74% global equities with bonds, gold, and Bitcoin for balanced long-term growth across all market conditions.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
34.5%0.19%
GERD.XETRA
L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating • IE0001UQQ933
ETF
15.0%0.45%
VGWD.XETRA
Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10
ETF
14.0%0.29%
EFRN.XETRA
iShares EUR Floating Rate Bond Advanced UCITS ETF EUR (Dist) • IE00BF5GB717
ETF
6.0%0.1%
JEPQ.US
JPMorgan Nasdaq Equity Premium Income ETF • US46654Q2030
ETF
5.0%0.35%
VVSM.XETRA
VanEck Semiconductor UCITS ETF • IE00BMC38736
ETF
5.0%0.35%
EWG2.STU
EUWAX Gold II • DE000EWG2LD7
ETF
5.0%0%
2BTC.XETRA
21shares Bitcoin ETP • CH0454664001
ETF
5.0%1.49%
EXHA.XETRA
iShares eb.rexx Government Germany UCITS ETF (DE) • DE0006289465
ETF
4.0%0.16%
LYQ7.XETRA
Amundi Euro Government Inflation-Linked Bond UCITS ETF Acc • LU1650491282
ETF
3.5%0.09%
PCOM.XETRA
WisdomTree Broad Commodities UCITS ETF USD Unhedged Acc • IE00BKY4W127
ETF
3.0%0.19%
Total100.0%0.30%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €17,472
Histogram of Monthly Returns
The portfolio had a positive return during 27 of the 41 months (66%)
Monthly Returns Heatmap
Best month: +7.6% • Worst month: -4.9% • Best year: 2024 (+25.2%) • Worst year: 2023 (+8.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.5%+1.6%-3.8%+7.1%+4.9%+1.1%-2.1%+2.8%+1.9%-0.3%--+16.4%
2025+4.5%-2.1%-4.9%-2.9%+4.8%+0.6%+3.9%-0.4%+3.2%+3.9%-0.5%+0.5%+10.5%
2024+2.5%+4.9%+4.2%-1.9%+1.6%+2.6%+0.6%-1.4%+2.1%+1.5%+7.6%-1.3%+25.2%
2023-----+0.9%+2.1%-1.0%-0.9%-1.0%+4.3%+4.0%+8.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +16.67% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -16.7%.
When could this portfolio get you to financial independence?

last returned +18.30% a year over the 3 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 4 distributing ETFs (29.0% of total allocation)

Total Dividends Received

€514.45

72 payments

Dividend Yield

1.15%

(annualized)

Avg Per Payment

€7.15

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€146.42
2025€161.43
2024€145.81
2023€60.76
Total€514.45

Detailed Metrics

Returns
Total Return
+74.72%
Annualized Return
+18.30%
Avg Monthly Return
+1.41%
Risk
Volatility (Annual)
+10.52%
Max Drawdown
+16.67%
Positive Months
66%
Average Drawdown
-2.2%
Risk-Adjusted
Sharpe Ratio
1.55
Risk-free rate: 2.0%
Sortino Ratio
1.47
Downside risk adjusted
Return/Volatility
1.74
Calmar Ratio
1.10
Return/Max Drawdown
Ulcer Index
3.08
Drawdown depth & duration
Martin Ratio
0.05
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€17,472
Backtest Period
2023-06-21 to 2026-10-16
3.3 years
Rebalancing
annual
Base Currency
EUR