Quarterly Rebalancing
EUR
Moderate Risk
Multi-currency
14.8yr backtest

Performance Summary

Total Return+151.42%
Annualized Return+6.45%
Volatility+16.90%
Sharpe Ratio0.26
Max Drawdown+42.07%

Holdings

Asset Allocation

Asset Class

Equity 50.0%Commodities 35.0%Precious Metals 10.0%Bonds 5.0%
Holdings Details
Diversified ETF portfolio spanning biotech, uranium, energy, agriculture, and precious metals for growth and inflation protection across hard assets.
AssetTypeAllocationTER
XBI.US
SPDR® S&P Biotech ETF • US78464A8707
ETF
10.0%0.35%
URA.US
Global X Uranium ETF • US37954Y8710
ETF
10.0%0.69%
DBA.US
Invesco DB Agriculture Fund • US46140H1068
ETF
10.0%0.93%
PPLT.US
abrdn Physical Platinum Shares ETF • US0032601066
ETF
10.0%0.6%
BIB.US
ProShares Ultra Nasdaq Biotechnology • US74347R2141
ETF
10.0%0.95%
WEATP.PA
WisdomTree Wheat EUR • JE00BN7KB664
ETF
5.0%0.49%
CORN.US
Teucrium Corn Fund • US88166A1025
ETF
5.0%1%
UNG.US
United States Natural Gas Fund LP • US9123184098
ETF
5.0%1.06%
USO.US
United States Oil Fund LP • US91232N2071
ETF
5.0%0.6%
OD7Q.XETRA
WisdomTree Soybeans • GB00B15KY542
ETF
5.0%0.49%
XOP.US
SPDR® S&P Oil & Gas Exploration & Production ETF • US78468R5569
ETF
5.0%0.35%
ITA.US
iShares U.S. Aerospace & Defense ETF • US4642887602
ETF
5.0%0.39%
MOO.US
VanEck Agribusiness ETF • US92189F7006
ETF
5.0%0.5%
RINF.US
ProShares Inflation Expectations ETF • US74348A8146
ETF
5.0%0.3%
XLE.US
Energy Select Sector SPDR® Fund • US81369Y5069
ETF
5.0%0.09%
Total100.0%0.62%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €25,141.72
Histogram of Monthly Returns
The portfolio had a positive return during 96 of the 178 months (54%)
Monthly Returns Heatmap
Best month: +11.6% • Worst month: -14.6% • Best year: 2021 (+28.9%) • Worst year: 2018 (-7.0%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+7.6%+3.5%+3.4%+1.0%-1.4%-0.2%+0.7%+8.3%-1.4%-1.2%--+21.7%
2025+5.0%-2.2%-5.6%-6.8%+3.3%+3.5%+2.6%+2.5%+4.3%+6.6%+2.1%-1.7%+13.5%
2024+2.2%-0.3%+3.5%-1.4%+4.5%-2.1%-1.1%-2.9%+1.5%+0.4%+5.2%-3.0%+6.2%
2023-0.7%-2.7%-4.3%-0.6%-1.5%+1.7%+3.2%+0.9%+0.8%-2.2%-1.6%+2.9%-4.3%
2022+2.1%+4.7%+8.3%+1.2%-0.1%-7.8%+9.5%+3.4%-5.1%+5.7%-2.0%-5.9%+13.1%
2021+4.4%+8.0%+2.0%+3.1%-0.6%+5.7%-2.4%+2.4%+4.9%+3.1%-3.9%-0.3%+28.9%
2020-5.5%-5.9%-14.6%+11.6%+3.8%-0.8%-3.5%+5.4%-3.5%-0.8%+9.0%+6.7%-1.1%
2019+9.3%+2.0%+0.6%-1.4%-4.2%+3.3%-0.6%-3.1%+1.3%+0.8%+4.9%+1.8%+14.9%
2018+0.4%-1.8%-2.4%+5.1%+5.5%-1.3%+1.3%-0.5%+1.1%-5.8%+2.1%-10.0%-7.0%
2017+4.9%+3.7%-4.6%-3.2%-5.5%+1.2%-0.5%-1.1%+1.9%-1.1%+0.4%+0.6%-3.6%
2016-10.0%-3.2%+1.9%+6.7%+1.8%-0.3%+2.7%-3.2%+1.6%-3.2%+7.4%+0.6%+1.6%
2015+5.0%+5.7%+2.6%-2.8%+2.9%+0.0%-5.5%-8.5%-7.5%+7.0%+0.5%-4.8%-6.7%
2014+5.2%+7.1%-3.7%-1.1%+1.2%+2.0%-3.0%+5.5%-2.6%+1.6%+2.0%-1.1%+13.3%
2013+3.6%+1.8%+5.0%-2.3%+2.9%-5.1%+5.6%-0.7%-0.8%-0.9%+1.9%-0.8%+10.0%
2012+0.3%+1.9%-2.3%+0.1%-1.8%+5.4%+8.8%-0.7%-0.2%-5.3%-0.8%-2.9%+1.9%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +42.07% • The longest drawdown period lasted for 6 years and 1 month and was between April 2015 and June 2021. It reached a trough of -42.1%.
When could this portfolio get you to financial independence?

MIXED 3 returned +6.45% a year over the 15 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 12 distributing ETFs (80.0% of total allocation)

Total Dividends Received

€2,207.95

320 payments

Dividend Yield

1.05%

(annualized)

Avg Per Payment

€6.90

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€171.00
2025€252.02
2024€332.66
2023€188.63
2022€188.72
2021€79.67
2020€92.27
2019€95.16
2018€93.10
2017€141.09
2016€78.82
2015€198.88
2014€81.86
2013€176.11
2012€38.01
Total€2,207.95

Detailed Metrics

Returns
Total Return
+151.42%
Annualized Return
+6.45%
Avg Monthly Return
+0.61%
Risk
Volatility (Annual)
+16.90%
Max Drawdown
+42.07%
Positive Months
54%
Average Drawdown
-12.6%
Risk-Adjusted
Sharpe Ratio
0.26
Risk-free rate: 2.0%
Sortino Ratio
0.25
Downside risk adjusted
Return/Volatility
0.38
Calmar Ratio
0.15
Return/Max Drawdown
Ulcer Index
15.22
Drawdown depth & duration
Martin Ratio
0.00
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€25,141.72
Backtest Period
2012-01-12 to 2026-10-16
14.8 years
Rebalancing
quarterly
Base Currency
EUR