HomePortfoliosTLCC - Balanced

TLCC - Balanced

Created byuser-julfmc
None Rebalancing
EUR
Low Risk
Multi-currency
4.5yr backtest
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Performance Summary

Total Return+46.12%
Annualized Return+8.89%
Volatility+9.12%
Sharpe Ratio0.76
Max Drawdown+14.77%

Holdings

Asset Allocation

Asset Class

Equity 70.0%Bonds 30.0%
Holdings Details
Income-focused ETF portfolio blending 70% dividend and covered-call equities with 30% high-yield bonds for steady cash flow and growth.
AssetTypeAllocationTER
JEPI.US
JPMorgan Equity Premium Income ETF • US46641Q3323
ETF
20.0%0.35%
DIVO.US
Amplify CWP Enhanced Dividend Income ETF • US0321084099
ETF
20.0%0.55%
JEPQ.US
JPMorgan Nasdaq Equity Premium Income ETF • US46654Q2030
ETF
20.0%0.35%
VGWD.XETRA
Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10
ETF
10.0%0.29%
XHYA.XETRA
Xtrackers EUR High Yield Corporate Bond UCITS ETF 1C • LU1109943388
ETF
10.0%0.2%
SYBJ.XETRA
State Street SPDR Bloomberg Euro High Yield Bond UCITS ETF EUR Unhedged (Dist) • IE00B6YX5M31
ETF
10.0%0.4%
RISE.LSE
iShares Fallen Angels High Yield Corporate Bond UCITS ETF • IE00BYM31M36
ETF
10.0%0.5%
Total100.0%0.39%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €14,611.69
Histogram of Monthly Returns
The portfolio had a positive return during 39 of the 54 months (72%)
Monthly Returns Heatmap
Best month: +7.8% • Worst month: -5.8% • Best year: 2024 (+19.0%) • Worst year: 2022 (-4.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.2%+2.3%-2.3%+2.8%+1.8%+2.4%-0.5%+1.7%+0.7%+0.9%--+11.5%
2025+3.0%+0.1%-5.8%-4.2%+2.4%-0.3%+2.6%+0.9%+1.6%+2.4%+1.1%-0.8%+2.6%
2024+3.3%+2.1%+2.3%-1.3%+1.3%+2.1%+0.3%+0.4%+1.1%+1.3%+6.2%-1.2%+19.0%
2023+2.1%+0.4%+0.5%+0.5%+1.5%+1.5%+1.5%+0.4%-0.2%-1.1%+2.6%+1.9%+12.1%
2022-----2.0%-4.3%+7.8%-1.8%-4.1%+4.9%+0.8%-4.7%-4.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +14.77% • The longest drawdown period lasted for 1 year and was between August 2022 and August 2023. It reached a trough of -8.3%.
When could this portfolio get you to financial independence?

TLCC - Balanced returned +8.89% a year over the 4 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 6 distributing ETFs (90.0% of total allocation)

Total Dividends Received

€3,413.75

198 payments

Dividend Yield

6.56%

(annualized)

Avg Per Payment

€17.24

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€732.68
2025€853.11
2024€721.01
2023€651.10
2022€455.88
Total€3,413.75

Detailed Metrics

Returns
Total Return
+46.12%
Annualized Return
+8.89%
Avg Monthly Return
+0.74%
Risk
Volatility (Annual)
+9.12%
Max Drawdown
+14.77%
Positive Months
72%
Average Drawdown
-3.1%
Risk-Adjusted
Sharpe Ratio
0.76
Risk-free rate: 2.0%
Sortino Ratio
0.69
Downside risk adjusted
Return/Volatility
0.97
Calmar Ratio
0.60
Return/Max Drawdown
Ulcer Index
3.95
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€14,611.69
Backtest Period
2022-05-04 to 2026-10-16
4.5 years
Rebalancing
none
Base Currency
EUR