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Perennial

Portfolio for a serene retirement, at any age.

Created byuser-a1qdsa
Annual Rebalancing
EUR
Moderate Risk
1.5yr backtest
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Performance Summary

Total Return+28.89%
Annualized Return+17.90%
Volatility+10.38%
Sharpe Ratio1.53
Max Drawdown+9.19%

Holdings

Asset Allocation

Asset Class

Equity 72.5%Bonds 15.0%Precious Metals 12.5%
Holdings Details
Diversified ETF portfolio for serene retirement: 72% global equities, 15% bonds, 12% gold. Balanced allocation for stability and growth.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
50.0%0.19%
DBMFE.PA
iMGP DBi Managed Futures Fund R EUR ETF UCITS ETF • LU2951555403
ETF
12.5%0.75%
PPFB.XETRA
iShares Physical Gold ETC • IE00B4ND3602
ETF
12.5%0.12%
LYQ6.XETRA
Amundi Euro Government Bond 10-15Y UCITS ETF Acc • LU1650489385
ETF
12.5%0.15%
AVWS.XETRA
Avantis Global Small Cap Value UCITS ETF USD Acc • IE0003R87OG3
ETF
10.0%0.39%
DBXP.XETRA
Xtrackers Eurozone Government Bond 1-3 UCITS ETF 1C • LU0290356871
ETF
2.5%0.1%
Total100.0%0.26%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €12,888.81
Histogram of Monthly Returns
The portfolio had a positive return during 15 of the 19 months (79%)
Monthly Returns Heatmap
Best month: +4.4% • Worst month: -4.9% • Best year: 2026 (+13.6%) • Worst year: 2025 (+13.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.3%+3.5%-4.9%+4.4%+3.6%+0.0%-0.9%+2.2%+0.8%+1.2%--+13.6%
2025----3.4%+3.9%-0.3%+3.5%+0.3%+3.4%+4.2%+0.7%+0.7%+13.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +9.19% • The longest drawdown period lasted for 2 months and was between March 2026 and May 2026. It reached a trough of -6.3%.

Detailed Metrics

Returns
Total Return
+28.89%
Annualized Return
+17.90%
Avg Monthly Return
+1.38%
Risk
Volatility (Annual)
+10.38%
Max Drawdown
+9.19%
Positive Months
79%
Average Drawdown
-1.3%
Risk-Adjusted
Sharpe Ratio
1.53
Risk-free rate: 2.0%
Sortino Ratio
1.47
Downside risk adjusted
Return/Volatility
1.72
Calmar Ratio
1.95
Return/Max Drawdown
Ulcer Index
1.82
Drawdown depth & duration
Martin Ratio
0.09
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€12,888.81
Backtest Period
2025-04-01 to 2026-10-16
1.5 years
Rebalancing
annual
Base Currency
EUR