Annual Rebalancing
GBP
Moderate Risk
10.7yr backtest

Performance Summary

Total Return+179.18%
Annualized Return+10.06%
Volatility+10.69%
Sharpe Ratio0.75
Max Drawdown+22.50%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
A 100% global equity portfolio for long-term growth, invested in a diversified multi-asset fund targeting a 2055 retirement date.
AssetTypeAllocationTER
GB00BZ6VKV28
Vanguard Target Retirement 2055 Fund Accumulation SharesGB00BZ6VKV28
FUND
100.0%0.24%
Total100.0%0.24%

Performance

Portfolio Value Over Time
Starting with £10,000 investment → now worth £27,917.78
Histogram of Monthly Returns
The portfolio had a positive return during 84 of the 130 months (65%)
Monthly Returns Heatmap
Best month: +7.9% • Worst month: -9.7% • Best year: 2016 (+21.9%) • Worst year: 2022 (-8.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.4%+3.6%-5.2%+4.9%+4.3%+0.7%-0.5%+1.4%+0.2%---+11.0%
2025+3.7%-0.8%-4.4%-1.2%+3.5%+1.9%+3.8%+0.6%+2.8%+3.9%-0.4%+0.1%+13.9%
2024+0.0%+2.9%+3.0%-1.6%+2.1%+1.8%+1.0%+0.3%+0.1%+0.6%+3.8%-1.2%+13.2%
2023+4.3%-0.9%+0.5%+0.3%-0.8%+2.0%+2.0%-1.4%-0.4%-2.4%+4.1%+4.1%+11.9%
2022-3.1%-1.9%+2.3%-2.8%-0.2%-4.6%+5.6%-0.7%-5.8%+2.5%+4.4%-3.7%-8.4%
2021-0.7%+0.1%+3.1%+3.2%-0.4%+2.7%+0.3%+2.5%-1.8%+2.4%+0.4%+1.5%+14.1%
2020-0.4%-4.5%-9.7%+6.7%+4.9%+2.3%-1.1%+3.1%-0.4%-2.2%+7.9%+2.2%+7.6%
2019+3.8%+1.4%+2.9%+2.5%-2.0%+4.3%+3.2%-1.3%+1.0%-1.7%+1.8%+1.0%+18.1%
2018-0.2%-1.2%-2.6%+2.7%+3.0%+0.1%+2.5%+0.7%-0.0%-4.5%+0.7%-4.9%-4.1%
2017+0.3%+3.3%+0.6%-1.1%+2.4%-0.7%+1.0%+2.1%-1.6%+2.5%-0.3%+1.8%+10.8%
2016-1.8%+1.1%+3.0%-0.1%+0.8%+6.4%+4.1%+1.5%+1.0%+2.5%-1.4%+3.1%+21.9%
2015-----------+1.4%+1.4%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +22.50% • The longest drawdown period lasted for 2 years and was between December 2021 and December 2023. It reached a trough of -13.1%.
When could this portfolio get you to financial independence?

2055 returned +10.06% a year over the 11 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.

Detailed Metrics

Returns
Total Return
+179.18%
Annualized Return
+10.06%
Avg Monthly Return
+0.83%
Risk
Volatility (Annual)
+10.69%
Max Drawdown
+22.50%
Positive Months
65%
Average Drawdown
-3.2%
Risk-Adjusted
Sharpe Ratio
0.75
Risk-free rate: 2.0%
Sortino Ratio
0.70
Downside risk adjusted
Return/Volatility
0.94
Calmar Ratio
0.45
Return/Max Drawdown
Ulcer Index
4.25
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
£10,000
Final Value
£27,917.78
Backtest Period
2015-12-17 to 2026-09-03
10.7 years
Rebalancing
annual
Base Currency
GBP