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1/3

Created byuser-julfmc
Optimize FIRE Projection
None Rebalancing
EUR
High Risk
Multi-currency
3.7yr backtest

Performance Summary

Total Return+95.44%
Annualized Return+19.73%
Volatility+27.61%
Sharpe Ratio0.64
Max Drawdown+42.84%

Holdings

Asset Allocation

Asset Class

Commodities 66.0%Precious Metals 33.0%Equity 1.0%
Holdings Details
A diversified ETF portfolio blending gold, commodities, Bitcoin, and short-volatility exposure with a Nasdaq touch for alternative growth.
AssetTypeAllocationTER
PHAU.AS
WisdomTree Physical Gold EUR • JE00B1VS3770
ETF
33.0%0.39%
PIT.US
Vaneck ETF Trust - Commodities and Bitcoin Strategy ETF • US92189H7715
ETF
33.0%0.65%
SVIX.US
-1x Short VIX Futures ETF • US92891H1014
ETF
33.0%1.35%
QQQM.US
Invesco NASDAQ 100 ETF • US46138G6492
ETF
1.0%0.15%
Total100.0%0.79%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €19,544.18
Histogram of Monthly Returns
The portfolio had a positive return during 31 of the 46 months (67%)
Monthly Returns Heatmap
Best month: +13.6% • Worst month: -16.2% • Best year: 2023 (+51.1%) • Worst year: 2024 (-4.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+5.9%+2.2%-5.7%+5.4%+2.3%-4.1%+3.0%+10.0%+1.0%---+20.7%
2025+3.4%-1.4%-5.6%-16.2%+3.3%+0.0%+6.2%+4.8%+8.0%+1.3%+3.3%+5.5%+10.6%
2024+2.5%+5.2%+4.4%-2.3%+7.1%+4.3%-5.5%-16.2%-6.4%-3.3%+13.6%-4.9%-4.9%
2023+7.6%-1.8%-1.6%+4.4%+4.1%+13.0%+6.2%+2.2%-3.5%-2.1%+12.2%+2.9%+51.1%
2022-----------+1.8%+1.8%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +42.84% • The longest drawdown period lasted for 2 years and 1 month and was between July 2024 and September 2026. It reached a trough of -42.8%.
When could this portfolio get you to financial independence?

1/3 returned +19.73% 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 3 distributing ETFs (67.0% of total allocation)

Total Dividends Received

€623.52

18 payments

Dividend Yield

1.14%

(annualized)

Avg Per Payment

€34.64

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€0.59
2025€310.09
2024€123.11
2023€189.48
2022€0.25
Total€623.52

Detailed Metrics

Returns
Total Return
+95.44%
Annualized Return
+19.73%
Avg Monthly Return
+1.66%
Risk
Volatility (Annual)
+27.61%
Max Drawdown
+42.84%
Positive Months
67%
Average Drawdown
-15.3%
Risk-Adjusted
Sharpe Ratio
0.64
Risk-free rate: 2.0%
Sortino Ratio
0.51
Downside risk adjusted
Return/Volatility
0.71
Calmar Ratio
0.46
Return/Max Drawdown
Ulcer Index
18.48
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€19,544.18
Backtest Period
2022-12-22 to 2026-09-11
3.7 years
Rebalancing
none
Base Currency
EUR