HomePortfolios40W 10EM 10 SC 10M&G 10BONOS 10KOP 10POLAR

40W 10EM 10 SC 10M&G 10BONOS 10KOP 10POLAR

Monthly Rebalancing
EUR
Moderate Risk
Multi-currency
12.2yr backtest

Performance Summary

Total Return+286.73%
Annualized Return+11.77%
Volatility+11.95%
Sharpe Ratio0.82
Max Drawdown+29.71%

Holdings

Asset Allocation

Asset Class

Equity 90.0%Bonds 10.0%
Holdings Details
Diversified global portfolio with 90% equity ETFs across world, Europe, emerging markets, tech, small-cap, plus 10% global bonds for balance.
AssetTypeAllocationTER
IE00B03HD191
Vanguard Global Stock Index Fund EUR AccIE00B03HD191
FUND
40.0%0.18%
LU1670707527
M&G (Lux) European Strategic Value Fund A EUR AccLU1670707527
FUND
10.0%1.86%
IE0031786696
Vanguard Emerging Markets Stock Index Fund EUR AccIE0031786696
FUND
10.0%0.08%
IE00BH6XS969
Heptagon Fund ICAV - Kopernik Global All-Cap Equity Fund A USD AccIE00BH6XS969
FUND
10.0%1.45%
IE00B42N9S52
Polar Capital Global Technology Fund I IncomeIE00B42N9S52
FUND
10.0%1.03%
IE00B42W4L06
Vanguard Global Small-Cap Index Fund EUR AccIE00B42W4L06
FUND
10.0%0.29%
IE00B18GC888
Vanguard Global Bond Index Fund EUR Hedged AccIE00B18GC888
FUND
10.0%0.15%
Total100.0%0.56%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €38,673.29
Histogram of Monthly Returns
The portfolio had a positive return during 98 of the 147 months (67%)
Monthly Returns Heatmap
Best month: +11.5% • Worst month: -12.5% • Best year: 2019 (+24.5%) • Worst year: 2022 (-13.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+4.0%+3.2%-5.2%+8.7%+6.2%+0.7%-1.8%+2.2%-0.4%---+18.0%
2025+3.2%-0.8%-5.7%-2.6%+6.1%+2.2%+3.7%+0.9%+4.0%+4.4%-0.2%+0.4%+16.1%
2024+1.5%+3.8%+3.3%-1.6%+2.3%+2.5%+0.9%+0.0%+1.7%+0.2%+5.1%-0.7%+20.4%
2023+5.6%-0.2%+0.5%-0.8%+2.6%+2.3%+2.7%-1.2%-1.4%-3.0%+5.6%+3.7%+17.4%
2022-3.2%-2.5%+1.8%-2.8%-1.4%-6.3%+8.3%-2.0%-7.0%+3.6%+3.8%-6.1%-13.9%
2021+0.9%+2.8%+4.5%+1.5%+0.7%+3.5%-0.0%+2.3%-1.5%+4.1%-0.4%+2.1%+22.1%
2020-0.2%-6.0%-12.5%+11.5%+3.5%+2.4%+0.4%+4.3%-1.4%-1.4%+8.9%+3.1%+10.8%
2019+7.3%+3.1%+1.7%+3.1%-4.8%+3.6%+2.2%-1.3%+2.3%+0.5%+3.1%+1.9%+24.5%
2018+1.4%-1.5%-2.2%+2.6%+3.5%-0.9%+1.6%+0.7%+0.2%-4.7%+0.9%-6.5%-5.2%
2017+1.2%+3.5%+0.6%+0.0%-0.8%-1.2%-0.1%+0.1%+2.4%+3.4%-0.6%+0.5%+9.3%
2016-5.9%+0.2%+3.0%+2.5%+2.5%+0.4%+4.5%+0.9%+0.2%+0.3%+2.9%+2.7%+14.6%
2015+5.5%+5.2%+2.9%-1.6%+2.1%-3.1%+1.1%-6.8%-2.4%+8.0%+3.1%-4.3%+9.0%
2014-------0.1%+3.3%-0.1%+0.4%+1.8%+1.1%+6.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +29.71% • The longest drawdown period lasted for 2 years and 2 months and was between November 2021 and January 2024. It reached a trough of -16.5%.
When could this portfolio get you to financial independence?

40W 10EM 10 SC 10M&G 10BONOS 10KOP 10POLAR returned +11.77% a year over the 12 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
+286.73%
Annualized Return
+11.77%
Avg Monthly Return
+0.98%
Risk
Volatility (Annual)
+11.95%
Max Drawdown
+29.71%
Positive Months
67%
Average Drawdown
-4.7%
Risk-Adjusted
Sharpe Ratio
0.82
Risk-free rate: 2.0%
Sortino Ratio
0.74
Downside risk adjusted
Return/Volatility
0.98
Calmar Ratio
0.40
Return/Max Drawdown
Ulcer Index
6.13
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
38,673.29
Backtest Period
2014-07-15 to 2026-09-10
12.2 years
Rebalancing
monthly
Base Currency
EUR