Pension plan 3

Pension plan with 10% bonds

Holdings

Asset Allocation

Asset Class

Equity 90.0%Bonds 10.0%

Holdings Details

Diversified pension ETF portfolio with 70% global stocks, 20% emerging/small-cap growth, and 10% Eurozone bonds for balanced long-term investing.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80	IE00BK5BQT80	Acc	ETF	70.0%	0.19%
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31	IE00BF4RFH31	Acc	ETF	10.0%	0.35%
IS3N.XETRA iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66	IE00BKM4GZ66	Acc	ETF	10.0%	0.18%
VGEB.XETRA Vanguard EUR Eurozone Government Bond UCITS ETF Distributing • IE00BZ163H91	IE00BZ163H91	Dist	ETF	10.0%	0.07%
Total		Total			100.0%	0.19%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €20,816

Show individual assets

Histogram of Monthly Returns

The portfolio had a positive return during 54 of the 88 months (61%)

Monthly Returns Heatmap

Best month: +8.6% • Worst month: -11.3% • Best year: 2021 (+23.0%) • Worst year: 2022 (-14.0%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.0%	+2.4%	-5.6%	+8.0%	+5.7%	+1.5%	-2.2%	+2.2%	+1.2%	-0.0%	-	-	+15.5%
2025	+3.7%	-2.0%	-6.2%	-3.3%	+5.2%	+1.1%	+4.1%	-0.1%	+2.8%	+4.0%	-0.4%	+0.4%	+9.0%
2024	+1.7%	+3.1%	+3.3%	-1.6%	+0.9%	+4.0%	+0.9%	-0.6%	+2.0%	+0.4%	+5.9%	-1.4%	+19.9%
2023	+5.1%	-0.5%	-0.1%	-0.4%	+1.7%	+3.2%	+2.6%	-1.3%	-1.6%	-3.5%	+5.4%	+4.2%	+15.4%
2022	-4.0%	-1.9%	+2.6%	-2.2%	-3.0%	-5.6%	+8.1%	-1.5%	-6.2%	+2.7%	+2.1%	-5.2%	-14.0%
2021	+1.5%	+2.5%	+4.8%	+1.1%	-0.1%	+3.9%	+0.1%	+2.5%	-1.5%	+3.6%	-0.1%	+3.0%	+23.0%
2020	-1.0%	-7.2%	-11.3%	+8.6%	+1.8%	+2.6%	+0.2%	+4.4%	-0.4%	-1.1%	+8.1%	+2.4%	+5.5%
2019	-	-	-	-	-	-	+0.0%	-1.8%	+2.9%	+0.1%	+3.4%	+2.3%	+7.1%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +30.92% • The longest drawdown period lasted for 2 years and 2 months and was between November 2021 and January 2024. It reached a trough of -16.1%.

When could this portfolio get you to financial independence?

Pension plan 3 returned +10.68% 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 1 distributing ETF (10.0% of total allocation)

Total Dividends Received

€165.38

94 payments

Dividend Yield

0.16%

(annualized)

Avg Per Payment

€1.76

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	€43.70	0.22%	10
2025	€47.93	0.29%	12
2024	€35.54	0.23%	12
2023	€25.06	0.20%	13
2022	€7.54	0.06%	14
2021	€0.84	0.01%	12
2020	€2.13	0.02%	13
2019	€2.64	0.03%	8
Total	€165.38	0.16%	94

Detailed Metrics

Returns

Total Return

+108.16%

Annualized Return

+10.68%

Avg Monthly Return

+0.90%

Risk

Volatility (Annual)

+14.46%

Max Drawdown

+30.92%

Positive Months

61%

Average Drawdown

-5.4%

Risk-Adjusted

Sharpe Ratio

0.60

Risk-free rate: 2.0%

Sortino Ratio

0.55

Downside risk adjusted

Return/Volatility

0.74

Calmar Ratio

0.35

Return/Max Drawdown

Ulcer Index

6.97

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€20,816

Backtest Period

2019-07-25 to 2026-10-16
7.2 years

Rebalancing

annual

Base Currency

EUR

Performance Summary

Holdings

Performance

Dividend Income

Detailed Metrics