HomePortfolios60/40 z XTB

60/40 z XTB

60/40 z XTB

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Annual Rebalancing
EUR
Low Risk
2.1yr backtest

Performance Summary

Total Return+17.99%
Annualized Return+8.40%
Volatility+9.30%
Sharpe Ratio0.69
Max Drawdown+14.42%

Holdings

Asset Allocation

Asset Class

Equity 60.0%Bonds 40.0%
Holdings Details
60/40 z XTB: Diversified ETF portfolio blending US stocks, emerging markets, and Treasury bonds for balanced growth and income with annual rebalancing in EUR.
AssetTypeAllocationTER
CBU7.AS
iShares USD Treasury Bond 3-7yr UCITS ETF (Acc)IE00B3VWN393
ETF
40.0%0.07%
VUAA.XETRA
Vanguard S&P 500 UCITS ETF (USD) AccumulatingIE00BFMXXD54
ETF
35.0%0.07%
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITSIE00BKM4GZ66
ETF
20.0%0.18%
EXUS.XETRA
Xtrackers MSCI World ex USA UCITS ETF 1CIE0006WW1TQ4
ETF
5.0%0.15%
Total100.0%0.10%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €11,799.48
Histogram of Monthly Returns
The portfolio had a positive return during 16 of the 26 months (62%)
Monthly Returns Heatmap
Best month: +4.7% • Worst month: -5.1% • Best year: 2024 (+12.7%) • Worst year: 2026 (+0.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.1%+1.9%-3.3%+1.1%--------+0.8%
2025+2.2%-0.8%-5.1%-4.0%+3.1%+0.2%+4.0%-0.7%+2.3%+3.8%-0.5%-0.3%+3.9%
2024--+1.9%-0.9%+0.3%+4.4%+0.2%-0.8%+1.7%+0.7%+4.7%-0.1%+12.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +14.42% • The longest drawdown period lasted for 7 months and was between February 2025 and October 2025. It reached a trough of -14.4%.

Detailed Metrics

Returns
Total Return
+17.99%
Annualized Return
+8.40%
Avg Monthly Return
+0.67%
Risk
Volatility (Annual)
+9.30%
Max Drawdown
+14.42%
Positive Months
62%
Average Drawdown
-2.9%
Risk-Adjusted
Sharpe Ratio
0.69
Risk-free rate: 2.0%
Sortino Ratio
0.63
Downside risk adjusted
Return/Volatility
0.90
Calmar Ratio
0.58
Return/Max Drawdown
Ulcer Index
3.88
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
11,799.48
Backtest Period
2024-03-14 to 2026-04-02
2.1 years
Rebalancing
annual
Base Currency
EUR