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My Early Growth

Created byuser-y26ylm
None Rebalancing
EUR
Moderate Risk
Multi-currency
7.2yr backtest
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Performance Summary

Total Return+199.86%
Annualized Return+16.51%
Volatility+15.71%
Sharpe Ratio0.92
Max Drawdown+31.25%

Holdings

Asset Allocation

Asset Class

Equity 97.7%Commodities 2.3%
Holdings Details
Diversified global ETF portfolio targeting growth across developed, emerging markets, Japan, and managed futures strategies.
AssetTypeAllocationTER
IUSQ.XETRA
iShares MSCI ACWI UCITS ETF USD (Acc) • IE00B6R52259
ETF
24.2%0.2%
XDEM.XETRA
Xtrackers MSCI World Momentum UCITS ETF 1C • IE00BL25JP72
ETF
24.0%0.25%
IQSA.XETRA
Invesco Global Active ESG Equity UCITS ETF Acc • IE00BJQRDN15
ETF
9.0%0.3%
5MVL.XETRA
iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) • IE00BG0SKF03
ETF
9.0%0.4%
DXJA.LSE
WisdomTree Japan Equity UCITS ETF USD Hedged Acc • IE00BYQCZD50
ETF
9.0%0.48%
TDIV.AS
VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594
ETF
9.0%0.38%
XQUI.XETRA
Xtrackers Portfolio UCITS ETF 1C • LU0397221945
ETF
4.5%0.7%
XLPE.LSE
Xtrackers LPX MM Private Equity Swap UCITS ETF 1C • LU0322250712
ETF
4.5%0.7%
CHIP.PA
Amundi MSCI Semiconductors UCITS ETF Acc • LU1900066033
ETF
4.5%0.35%
DBMF.US
iMGP DBi Managed Futures Strategy ETF • US53700T8273
ETF
2.3%0.85%
Total100.0%0.35%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €29,985.76
Histogram of Monthly Returns
The portfolio had a positive return during 57 of the 87 months (66%)
Monthly Returns Heatmap
Best month: +10.8% • Worst month: -11.0% • Best year: 2024 (+31.1%) • Worst year: 2022 (-9.7%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.4%+3.8%-5.9%+10.8%+8.2%+3.9%-4.8%+2.3%+3.6%-2.2%--+24.2%
2025+3.9%-2.1%-7.0%-3.7%+6.7%+1.4%+4.5%-0.2%+3.5%+5.3%-0.3%+1.3%+13.3%
2024+5.3%+5.9%+4.9%-1.1%+2.1%+4.9%-1.5%-1.4%+1.3%+1.3%+5.7%+0.5%+31.1%
2023+4.0%+1.1%-1.4%+0.0%+2.3%+4.5%+2.5%-0.5%+0.2%-3.4%+5.5%+3.5%+19.4%
2022-3.9%-1.1%+4.2%-2.4%-2.1%-6.2%+7.5%-1.1%-5.4%+4.4%+2.2%-5.1%-9.7%
2021+2.3%+2.8%+5.8%+1.7%-0.5%+3.5%+0.5%+2.7%-1.0%+4.0%+0.2%+3.2%+27.9%
2020-0.5%-7.9%-11.0%+8.5%+2.0%+2.4%-0.3%+4.4%-0.2%-2.0%+8.3%+2.7%+4.6%
2019-------+2.6%+3.7%+0.2%+3.7%+1.9%+12.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +31.25% • The longest drawdown period lasted for 1 year and 6 months and was between January 2022 and July 2023. It reached a trough of -13.3%.
When could this portfolio get you to financial independence?

My Early Growth returned +16.51% a year over the 7 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 2 distributing ETFs (11.3% of total allocation)

Total Dividends Received

€574.22

47 payments

Dividend Yield

0.48%

(annualized)

Avg Per Payment

€12.22

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€70.12
2025€97.30
2024€91.33
2023€81.36
2022€114.90
2021€44.92
2020€38.28
2019€36.03
Total€574.22

Detailed Metrics

Returns
Total Return
+199.86%
Annualized Return
+16.51%
Avg Monthly Return
+1.35%
Risk
Volatility (Annual)
+15.71%
Max Drawdown
+31.25%
Positive Months
66%
Average Drawdown
-4.8%
Risk-Adjusted
Sharpe Ratio
0.92
Risk-free rate: 2.0%
Sortino Ratio
0.84
Downside risk adjusted
Return/Volatility
1.05
Calmar Ratio
0.53
Return/Max Drawdown
Ulcer Index
6.34
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€29,985.76
Backtest Period
2019-08-09 to 2026-10-16
7.2 years
Rebalancing
none
Base Currency
EUR