HomePortfolios60W 10EM 10M&G 5AZ 10KOP 5POLAR

60W 10EM 10M&G 5AZ 10KOP 5POLAR

Optimize FIRE Projection
Monthly Rebalancing
EUR
Moderate Risk
Multi-currency
10.9yr backtest

Performance Summary

Total Return+250.73%
Annualized Return+12.22%
Volatility+12.93%
Sharpe Ratio0.79
Max Drawdown+32.78%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
Global equity portfolio with 60% world index, plus Europe, emerging markets, and global stock funds for diversified growth.
AssetTypeAllocationTER
IE00B03HD191
Vanguard Global Stock Index Fund EUR AccIE00B03HD191
FUND
60.0%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%
ES0112611001
AZVALOR INTERNACIONALES0112611001
FUND
5.0%1.85%
IE00B42N9S52
Polar Capital Global Technology Fund I IncomeIE00B42N9S52
FUND
5.0%1.03%
Total100.0%0.59%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €35,072.96
Histogram of Monthly Returns
The portfolio had a positive return during 85 of the 132 months (64%)
Monthly Returns Heatmap
Best month: +12.5% • Worst month: -13.7% • Best year: 2021 (+27.5%) • Worst year: 2022 (-10.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.6%+3.1%-5.0%+8.2%+5.6%+0.0%-0.2%+2.4%-0.5%---+17.9%
2025+3.4%-0.5%-5.8%-3.4%+6.3%+1.8%+3.8%+0.9%+4.0%+4.3%-0.0%+0.6%+15.9%
2024+1.6%+3.9%+3.7%-1.2%+2.5%+2.5%+0.9%-0.0%+1.6%+0.4%+5.2%-0.6%+22.1%
2023+5.4%-0.2%+0.5%-0.4%+2.2%+2.6%+3.0%-1.1%-1.0%-2.9%+5.5%+3.3%+17.8%
2022-2.4%-2.2%+3.1%-2.0%-1.3%-6.6%+8.6%-1.9%-6.8%+4.7%+4.0%-6.4%-10.1%
2021+0.4%+3.5%+5.6%+1.7%+1.4%+3.6%+0.1%+2.4%-1.1%+5.0%-0.6%+2.8%+27.5%
2020-1.0%-7.2%-13.7%+12.5%+3.2%+2.3%+0.3%+4.9%-2.0%-2.0%+10.2%+3.2%+8.2%
2019+7.7%+3.2%+1.9%+3.1%-5.4%+4.1%+2.0%-1.5%+2.7%+0.4%+3.1%+2.1%+25.4%
2018+1.4%-2.0%-2.6%+3.3%+3.3%-0.8%+1.9%+0.2%+0.7%-4.6%+0.8%-7.0%-6.0%
2017+1.2%+3.5%+0.7%-0.2%-1.1%-1.4%-0.2%-0.1%+2.5%+3.2%-0.7%+0.9%+8.6%
2016-6.2%+0.3%+3.1%+2.8%+2.2%+0.2%+4.6%+0.8%-0.1%+0.5%+3.2%+3.2%+15.2%
2015----------0.7%+3.0%-4.6%-2.4%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +32.78% • The longest drawdown period lasted for 1 year and 8 months and was between November 2021 and July 2023. It reached a trough of -13.7%.
When could this portfolio get you to financial independence?

60W 10EM 10M&G 5AZ 10KOP 5POLAR returned +12.22% 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
+250.73%
Annualized Return
+12.22%
Avg Monthly Return
+1.02%
Risk
Volatility (Annual)
+12.93%
Max Drawdown
+32.78%
Positive Months
64%
Average Drawdown
-4.0%
Risk-Adjusted
Sharpe Ratio
0.79
Risk-free rate: 2.0%
Sortino Ratio
0.71
Downside risk adjusted
Return/Volatility
0.95
Calmar Ratio
0.37
Return/Max Drawdown
Ulcer Index
5.49
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
35,072.96
Backtest Period
2015-10-23 to 2026-09-10
10.9 years
Rebalancing
monthly
Base Currency
EUR