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Msci balanced

Created byuser-2gqtxo

None Rebalancing

EUR

Moderate Risk

5.2yr backtest

Analyse this portfolio

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Performance Summary

Total Return+157.16%

Annualized Return+19.95%

Volatility+15.95%

Sharpe Ratio1.13

Max Drawdown+21.07%

Holdings

Asset Allocation

Asset Class

Equity 95.0%Precious Metals 5.0%

Holdings Details

Diversified ETF portfolio blending global value and dividend stocks with tech-heavy Nasdaq and semiconductor exposure, plus a gold hedge.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
IS3S.XETRA iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59	IE00BP3QZB59	Acc	ETF	30.0%	0.25%
VDIV.XETRA VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594	NL0011683594	Dist	ETF	20.0%	0.38%
XNAS.XETRA Xtrackers Nasdaq 100 UCITS ETF 1C • IE00BMFKG444	IE00BMFKG444	Acc	ETF	20.0%	0.2%
SEC0.XETRA iShares MSCI Global Semiconductors UCITS ETF USD (Acc) • IE000I8KRLL9	IE000I8KRLL9	Acc	ETF	10.0%	0.35%
VVSM.XETRA VanEck Semiconductor UCITS ETF • IE00BMC38736	IE00BMC38736	Acc	ETF	10.0%	0.35%
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	5.0%	0.12%
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80	IE00BK5BQT80	Acc	ETF	5.0%	0.19%
Total		Total			100.0%	0.28%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €25,716.45

Show individual assets

Histogram of Monthly Returns

The portfolio had a positive return during 41 of the 63 months (65%)

Monthly Returns Heatmap

Best month: +15.2% • Worst month: -8.1% • Best year: 2026 (+35.5%) • Worst year: 2022 (-11.9%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+6.9%	+2.6%	-5.3%	+15.2%	+13.5%	+4.9%	-8.1%	+2.3%	+5.4%	-4.0%	-	-	+35.5%
2025	+4.5%	-1.3%	-6.3%	-3.7%	+6.8%	+2.6%	+3.8%	+0.7%	+5.3%	+7.6%	+0.2%	+2.2%	+23.9%
2024	+3.0%	+3.8%	+4.8%	-2.0%	+2.5%	+4.4%	-1.2%	-1.7%	+1.4%	+0.3%	+4.4%	+0.4%	+21.5%
2023	+7.0%	+1.4%	+0.9%	-1.6%	+5.7%	+3.2%	+3.1%	-1.3%	-0.7%	-3.5%	+6.2%	+5.6%	+28.5%
2022	-3.6%	-0.8%	+3.4%	-2.7%	-0.6%	-8.0%	+8.0%	-2.6%	-6.3%	+3.6%	+3.5%	-5.0%	-11.9%
2021	-	-	-	-	-	-	-	+0.7%	-1.3%	+3.3%	+3.4%	+4.8%	+11.3%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +21.07% • The longest drawdown period lasted for 1 year and 4 months and was between January 2022 and May 2023. It reached a trough of -15.3%.

When could this portfolio get you to financial independence?

Msci balanced returned +19.95% a year over the 5 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

€678.39

21 payments

Dividend Yield

0.90%

(annualized)

Avg Per Payment

€32.30

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

Year	Dividends	Yield	Payments
2026	€119.63	0.51%	3
2025	€140.03	0.86%	4
2024	€131.19	0.92%	4
2023	€133.79	1.19%	4
2022	€110.44	1.06%	4
2021	€43.32	0.42%	2
Total	€678.39	0.90%	21

Detailed Metrics

Returns

Total Return

+157.16%

Annualized Return

+19.95%

Avg Monthly Return

+1.61%

Risk

Volatility (Annual)

+15.95%

Max Drawdown

+21.07%

Positive Months

65%

Average Drawdown

-4.3%

Risk-Adjusted

Sharpe Ratio

1.13

Risk-free rate: 2.0%

Sortino Ratio

1.07

Downside risk adjusted

Return/Volatility

1.25

Calmar Ratio

0.95

Return/Max Drawdown

Ulcer Index

5.32

Drawdown depth & duration

Martin Ratio

0.03

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€25,716.45

Backtest Period

2021-08-06 to 2026-10-16
5.2 years

Rebalancing

none

Base Currency

EUR