HomePortfoliosAlmost Cash

Almost Cash

Stable allocation close to cash using EU ETFs

Optimize
Monthly Rebalancing
EUR
Low Risk
Multi-currency
7.2yr backtest

Performance Summary

Total Return+27.05%
Annualized Return+3.39%
Volatility+5.32%
Sharpe Ratio0.26
Max Drawdown+8.89%

Holdings

Asset Allocation

Asset Class

Bonds 95.0%Precious Metals 5.0%
Holdings Details
Stable near-cash portfolio with 95% short-term bond ETFs in USD & GBP, plus 5% gold for diversification and capital preservation.
AssetTypeAllocationTER
IB01.LSE
iShares USD Treasury Bond 0-1yr UCITS ETF (Acc)IE00BGSF1X88
ETF
40.0%0.07%
IS15.LSE
iShares GBP Corporate Bond 0-5yr UCITS ETFIE00B5L65R35
ETF
30.0%0.2%
ERNS.LSE
iShares GBP Ultrashort Bond UCITS ETF (Dist)IE00BCRY6441
ETF
25.0%0.09%
IGLN.LSE
iShares Physical Gold ETCIE00B4ND3602
ETF
5.0%0.12%
Total100.0%0.12%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €12,705.26
Histogram of Monthly Returns
The portfolio had a positive return during 62 of the 88 months (70%)
Monthly Returns Heatmap
Best month: +2.9% • Worst month: -2.5% • Best year: 2024 (+11.9%) • Worst year: 2020 (-4.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.6%+0.5%+0.2%+0.5%+0.1%-------+1.9%
2025+0.3%+1.2%-1.8%-2.0%+0.4%-2.1%+0.8%+0.1%+0.3%+1.0%+0.5%+0.3%-1.0%
2024+2.2%-0.1%+1.2%+0.9%+0.0%+1.2%+0.7%-0.2%+0.9%+0.7%+2.6%+1.3%+11.9%
2023+0.5%+0.9%-0.2%-0.2%+2.3%-1.1%+0.8%+1.1%+0.7%+0.5%+0.1%+0.3%+5.8%
2022+0.5%+0.1%+0.0%+2.1%-1.7%-0.1%+2.9%-1.8%-1.0%+1.6%-1.4%-1.9%-0.9%
2021+0.7%+0.9%+2.3%-2.1%+0.4%+1.1%+0.4%-0.1%+0.6%+0.9%+0.4%+0.8%+6.4%
2020+1.4%-1.1%-2.5%+2.2%-1.8%-0.6%-1.2%+0.8%-0.8%+0.7%-1.2%+0.0%-4.1%
2019-+0.6%+0.6%+0.3%-1.1%-0.9%+0.7%+1.0%+1.5%+0.9%+1.2%+0.0%+5.0%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +8.89% • The longest drawdown period lasted for 1 year and 11 months and was between February 2020 and January 2022. It reached a trough of -8.9%.

Dividend Income

Summary
This portfolio contains 2 distributing ETFs (55.0% of total allocation)

Total Dividends Received

1,258.64

30 payments

Dividend Yield

1.58%

(annualized)

Avg Per Payment

41.95

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
YearDividends
2026118.25
2025302.33
2024304.11
2023226.05
202285.88
202159.54
202073.44
201989.04
Total1,258.64

Detailed Metrics

Returns
Total Return
+27.05%
Annualized Return
+3.39%
Avg Monthly Return
+0.28%
Risk
Volatility (Annual)
+5.32%
Max Drawdown
+8.89%
Positive Months
70%
Average Drawdown
-2.7%
Risk-Adjusted
Sharpe Ratio
0.26
Risk-free rate: 2.0%
Sortino Ratio
0.25
Downside risk adjusted
Return/Volatility
0.64
Calmar Ratio
0.38
Return/Max Drawdown
Ulcer Index
3.30
Drawdown depth & duration
Martin Ratio
0.00
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
12,705.26
Backtest Period
2019-02-22 to 2026-05-01
7.2 years
Rebalancing
monthly
Base Currency
EUR