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60 - 40

Created byuser-wrbfnp

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None Rebalancing

EUR

Low Risk

2.8yr backtest

Performance Summary

Total Return+49.33%

Annualized Return+15.66%

Volatility+8.44%

Sharpe Ratio1.62

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.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
FR001400KAV4 Carmignac Credit 2029 A Eur Acc • FR001400KAV4	FR001400KAV4	Acc	FUND	40.0%	0.8%
EUNL.XETRA iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983	IE00B4L5Y983	Acc	ETF	40.0%	0.2%
IS3N.XETRA iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66	IE00BKM4GZ66	Acc	ETF	15.0%	0.18%
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	5.0%	0.12%
Total		Total			100.0%	0.43%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €14,933

Histogram of Monthly Returns

The portfolio had a positive return during 24 of the 34 months (71%)

Monthly Returns Heatmap

Best month: +5.8% • Worst month: -5.1% • Best year: 2024 (+17.4%) • Worst year: 2023 (+6.8%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.3%	+2.0%	-5.1%	+5.8%	+4.0%	+0.3%	-1.3%	-	-	-	-	-	+7.9%
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

+49.33%

Annualized Return

+15.66%

Avg Monthly Return

+1.21%

Risk

Volatility (Annual)

+8.44%

Max Drawdown

+13.37%

Positive Months

71%

Average Drawdown

-1.7%

Risk-Adjusted

Sharpe Ratio

1.62

Risk-free rate: 2.0%

Sortino Ratio

1.50

Downside risk adjusted

Return/Volatility

1.86

Calmar Ratio

1.17

Return/Max Drawdown

Ulcer Index

2.41

Drawdown depth & duration

Martin Ratio

0.06

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€14,933

Backtest Period

2023-10-20 to 2026-07-23
2.8 years

Rebalancing

none

Base Currency

EUR