Home Portfolios75-5-20

75-5-20

Created byuser-fkxczf

Annual Rebalancing

EUR

Low Risk

1.0yr backtest

Performance Summary

Total Return+18.99%

Annualized Return+19.90%

Volatility+8.95%

Sharpe Ratio2.00

Max Drawdown+6.35%

Holdings

Asset Allocation

Asset Class

Equity 67.0%Bonds 25.0%Precious Metals 8.0%

Holdings Details

Diversified ETF portfolio blending global stocks, Italian bonds, and gold for balanced growth across developed and emerging markets.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
XDWD.XETRA Xtrackers MSCI World UCITS ETF 1C • IE00BJ0KDQ92	IE00BJ0KDQ92	Acc	ETF	34.0%	0.12%
LU2976318704 YourIndex SICAV - 3-5 Year Italian Government Bond Z • LU2976318704	LU2976318704	Acc	FUND	25.0%	0.15%
SPPW.XETRA SPDR MSCI World UCITS ETF • IE00BFY0GT14	IE00BFY0GT14	Acc	ETF	14.0%	0.12%
EXU1.XETRA Xtrackers MSCI World ex USA UCITS ETF 1D • IE000Z0FC0G5	IE000Z0FC0G5	Dist	ETF	8.0%	0.15%
EMXC.XETRA Amundi MSCI Emerging Ex China UCITS ETF Acc • LU2009202107	LU2009202107	Acc	ETF	8.0%	0.15%
SGLD.AS Invesco Physical Gold ETC • IE00B579F325	IE00B579F325	Acc	ETC	8.0%	0.12%
SXR1.XETRA iShares Core MSCI Pacific ex Japan UCITS ETF (Acc) • IE00B52MJY50	IE00B52MJY50	Acc	ETF	2.0%	0.2%
FLXC.XETRA Franklin FTSE China UCITS ETF • IE00BHZRR147	IE00BHZRR147	Acc	ETF	1.0%	0.19%
Total		Total			100.0%	0.13%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €11,899.47

Histogram of Monthly Returns

The portfolio had a positive return during 10 of the 12 months (83%)

Monthly Returns Heatmap

Best month: +5.7% • Worst month: -5.4% • Best year: 2025 (+10.3%) • Worst year: 2026 (+7.9%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.6%	+2.5%	-5.4%	+5.7%	+2.6%	-	-	-	-	-	-	-	+7.9%
2025	-	-	-	-	-	-0.3%	+3.0%	+0.0%	+2.8%	+3.7%	+0.1%	+0.6%	+10.3%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +6.35% • The longest drawdown period lasted for 1 month and was between February 2026 and April 2026. It reached a trough of -6.4%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (8.0% of total allocation)

Total Dividends Received

€16.24

3 payments

Dividend Yield

0.16%

(annualized)

Avg Per Payment

€5.41

per event

All dividends are automatically reinvested at the payment date. The portfolio value shown includes the compounding effect of dividend reinvestment.

Annual Breakdown

Dividend income per calendar year

Year	Dividends	Yield	Payments
2026	€8.13	0.07%	2
2025	€8.11	0.08%	1
Total	€16.24	0.16%	3

Detailed Metrics

Returns

Total Return

+18.99%

Annualized Return

+19.90%

Avg Monthly Return

+1.50%

Risk

Volatility (Annual)

+8.95%

Max Drawdown

+6.35%

Positive Months

83%

Average Drawdown

-1.1%

Risk-Adjusted

Sharpe Ratio

2.00

Risk-free rate: 2.0%

Sortino Ratio

2.08

Downside risk adjusted

Return/Volatility

2.22

Calmar Ratio

3.13

Return/Max Drawdown

Ulcer Index

1.45

Drawdown depth & duration

Martin Ratio

0.12

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€11,899.47

Backtest Period

2025-06-05 to 2026-05-21
1.0 years

Rebalancing

annual

Base Currency

EUR