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Bernardo 2026

Pension

Optimize
None Rebalancing
EUR
Moderate Risk
3.8yr backtest

Performance Summary

Total Return+132.77%
Annualized Return+24.92%
Volatility+14.18%
Sharpe Ratio1.62
Max Drawdown+15.98%

Holdings

Asset Allocation

Asset Class

Equity 90.0%Precious Metals 10.0%
Holdings Details
Bernardo 2026: A diversified pension portfolio of global ETFs targeting dividend yield, value stocks, semiconductors, and gold for long-term stability.
AssetTypeAllocationTER
VGWE.XETRA
Vanguard FTSE All-World High Dividend Yield UCITS ETF AccIE00BK5BR626
ETF
17.0%0.29%
VWCG.XETRA
Vanguard FTSE Developed Europe UCITS ETF (EUR) AccumulatingIE00BK5BQX27
ETF
16.0%0.1%
IS3S.XETRA
iShares Edge MSCI World Value Factor UCITS ETFIE00BP3QZB59
ETF
12.0%0.25%
SEC0.XETRA
iShares MSCI Global Semiconductors UCITS ETF USD (Acc)IE000I8KRLL9
ETF
12.0%0.35%
BNKE.PA
Amundi Euro Stoxx Banks UCITS ETF AccLU1829219390
ETF
11.0%0.3%
FLXK.XETRA
Franklin FTSE Korea UCITS ETFIE00BHZRR030
ETF
11.0%0.09%
VGEK.XETRA
Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF (USD) AccumulatingIE00BK5BQZ41
ETF
11.0%0.15%
IGLD.XETRA
iShares Physical Gold EUR Hedged ETCIE0009JOT9U1
ETF
10.0%0.25%
Total100.0%0.22%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €23,276.65
Histogram of Monthly Returns
The portfolio had a positive return during 31 of the 46 months (67%)
Monthly Returns Heatmap
Best month: +14.1% • Worst month: -10.6% • Best year: 2025 (+42.6%) • Worst year: 2022 (+1.7%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+9.8%+5.2%-10.6%+14.1%--------+17.9%
2025+6.3%+2.3%-3.1%-1.2%+6.6%+2.5%+4.0%+1.2%+5.7%+6.7%+0.8%+4.7%+42.6%
2024+0.6%+3.1%+6.5%-1.0%+2.2%+1.6%+0.8%-1.1%+0.9%-1.2%+1.1%-0.7%+13.4%
2023+8.1%+0.1%-1.1%-0.6%+2.0%+2.7%+3.6%-2.7%-1.2%-3.5%+6.9%+4.9%+20.0%
2022------+4.0%-2.8%-7.1%+4.8%+7.0%-3.4%+1.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +15.98% • The longest drawdown period lasted for 6 months and was between July 2024 and January 2025. It reached a trough of -10.3%.

Detailed Metrics

Returns
Total Return
+132.77%
Annualized Return
+24.92%
Avg Monthly Return
+1.95%
Risk
Volatility (Annual)
+14.18%
Max Drawdown
+15.98%
Positive Months
67%
Average Drawdown
-2.9%
Risk-Adjusted
Sharpe Ratio
1.62
Risk-free rate: 2.0%
Sortino Ratio
1.54
Downside risk adjusted
Return/Volatility
1.76
Calmar Ratio
1.56
Return/Max Drawdown
Ulcer Index
3.59
Drawdown depth & duration
Martin Ratio
0.06
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
23,276.65
Backtest Period
2022-07-07 to 2026-04-24
3.8 years
Rebalancing
none
Base Currency
EUR