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60 - 40

Created byuser-wrbfnp
Optimize FIRE Projection
None Rebalancing
EUR
Low Risk
2.9yr backtest

Performance Summary

Total Return+52.19%
Annualized Return+15.75%
Volatility+8.39%
Sharpe Ratio1.64
Max Drawdown+13.37%

Holdings

Asset Allocation

Asset Class

Equity 55.0%Bonds 40.0%Precious Metals 5.0%
Holdings Details
A diversified ETF portfolio blending global stocks, emerging markets, corporate bonds, and physical gold for balanced growth and stability.
AssetTypeAllocationTER
FR001400KAV4
Carmignac Credit 2029 A Eur Acc • FR001400KAV4
FUND
40.0%0.8%
EUNL.XETRA
iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983
ETF
40.0%0.2%
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66
ETF
15.0%0.18%
PPFB.XETRA
iShares Physical Gold ETC • IE00B4ND3602
ETF
5.0%0.12%
Total100.0%0.43%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €15,219.08
Histogram of Monthly Returns
The portfolio had a positive return during 26 of the 36 months (72%)
Monthly Returns Heatmap
Best month: +5.8% • Worst month: -5.1% • Best year: 2024 (+17.4%) • Worst year: 2023 (+6.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.3%+2.0%-5.1%+5.8%+4.0%+0.3%-1.7%+2.2%+0.1%---+10.0%
2025+2.9%-0.8%-3.9%-2.1%+3.7%+0.9%+3.1%+0.1%+2.8%+3.2%-0.1%+0.5%+10.4%
2024+1.5%+2.1%+2.7%-0.4%+0.7%+3.1%+0.8%-0.0%+2.0%+0.7%+3.5%-0.4%+17.4%
2023----------0.2%+4.0%+2.9%+6.8%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +13.37% • The longest drawdown period lasted for 6 months and was between February 2025 and August 2025. It reached a trough of -13.4%.

Detailed Metrics

Returns
Total Return
+52.19%
Annualized Return
+15.75%
Avg Monthly Return
+1.20%
Risk
Volatility (Annual)
+8.39%
Max Drawdown
+13.37%
Positive Months
72%
Average Drawdown
-1.7%
Risk-Adjusted
Sharpe Ratio
1.64
Risk-free rate: 2.0%
Sortino Ratio
1.51
Downside risk adjusted
Return/Volatility
1.88
Calmar Ratio
1.18
Return/Max Drawdown
Ulcer Index
2.37
Drawdown depth & duration
Martin Ratio
0.06
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€15,219.08
Backtest Period
2023-10-20 to 2026-09-03
2.9 years
Rebalancing
none
Base Currency
EUR