HomePortfoliosYIN-YANG-Portfolio

YIN-YANG-Portfolio

Created byuser-0ovu6o
None Rebalancing
EUR
Low Risk
Multi-currency
3.3yr backtest
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Performance Summary

Total Return+45.70%
Annualized Return+12.21%
Volatility+8.94%
Sharpe Ratio1.14
Max Drawdown+16.22%

Holdings

Asset Allocation

Asset Class

Equity 64.0%Bonds 36.0%
Holdings Details
Diversified ETF portfolio blending 64% global equities and 36% bonds, covering US value, emerging markets, and covered call strategies.
AssetTypeAllocationTER
SPYY.XETRA
SPDR MSCI All Country World UCITS ETF (Acc) • IE00B44Z5B48
ETF
14.0%0.12%
IUAA.LSE
iShares US Aggregate Bond UCITS Acc • IE00BYXYYM63
ETF
12.0%0.07%
AGGU.LSE
iShares Core Global Aggregate Bond UCITS ETF USD Hedged (Acc) • IE00BZ043R46
ETF
12.0%0.1%
ZPR5.XETRA
State Street SPDR ICE BofA 0-5 Year EM USD Government Bond UCITS ETF USD Unhedged (Dist) • IE00BP46NG52
ETF
12.0%0.42%
IUVD.LSE
iShares Edge MSCI USA Value Factor UCITS ETF USD (Dist) • IE00BFF5RX68
ETF
10.0%0.2%
ZPRV.XETRA
SPDR MSCI USA Small Cap Value Weighted UCITS ETF • IE00BSPLC413
ETF
10.0%0.3%
AMEL.XETRA
Amundi MSCI Emerging Markets Latin America UCITS ETF EUR (C) • LU1681045024
ETF
10.0%0.2%
XY7D.XETRA
Global X S&P 500 Covered Call UCITS ETF D • IE0002L5QB31
ETF
10.0%0.45%
WTD9.F
WisdomTree US Equity Income UCITS ETF Acc • DE000A2ARXG7
ETF
10.0%0.29%
Total100.0%0.23%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €14,569.99
Histogram of Monthly Returns
The portfolio had a positive return during 27 of the 40 months (68%)
Monthly Returns Heatmap
Best month: +6.2% • Worst month: -5.5% • Best year: 2026 (+18.4%) • Worst year: 2025 (+4.0%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.3%+2.9%-2.4%+4.6%+4.4%+2.9%-0.8%+0.8%+0.6%+2.1%--+18.4%
2025+3.6%-1.1%-5.5%-5.2%+2.4%-0.3%+2.8%+1.3%+1.7%+3.0%+1.7%+0.1%+4.0%
2024+1.4%+0.7%+2.9%-1.9%-0.7%+1.8%+2.5%-1.3%+0.8%+1.3%+6.2%-2.1%+11.9%
2023------+1.9%-0.6%-0.2%-3.1%+3.3%+4.5%+5.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +16.22% • The longest drawdown period lasted for 10 months and was between February 2025 and January 2026. It reached a trough of -16.2%.
When could this portfolio get you to financial independence?

YIN-YANG-Portfolio returned +12.21% a year over the 3 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 3 distributing ETFs (32.0% of total allocation)

Total Dividends Received

€620.36

51 payments

Dividend Yield

1.62%

(annualized)

Avg Per Payment

€12.16

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€195.85
2025€184.61
2024€167.82
2023€72.09
Total€620.36

Detailed Metrics

Returns
Total Return
+45.70%
Annualized Return
+12.21%
Avg Monthly Return
+0.98%
Risk
Volatility (Annual)
+8.94%
Max Drawdown
+16.22%
Positive Months
68%
Average Drawdown
-2.8%
Risk-Adjusted
Sharpe Ratio
1.14
Risk-free rate: 2.0%
Sortino Ratio
1.08
Downside risk adjusted
Return/Volatility
1.37
Calmar Ratio
0.75
Return/Max Drawdown
Ulcer Index
4.00
Drawdown depth & duration
Martin Ratio
0.03
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€14,569.99
Backtest Period
2023-07-11 to 2026-10-16
3.3 years
Rebalancing
none
Base Currency
EUR