HomePortfoliosAlmost Cash 3

Almost Cash 3

More USD bonds, less GBP

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

Performance Summary

Total Return+18.88%
Annualized Return+2.44%
Volatility+7.10%
Sharpe Ratio0.06
Max Drawdown+11.72%

Holdings

Asset Allocation

Asset Class

Bonds 100.0%
Holdings Details
A short-term USD & GBP bond ETF portfolio focused on stability with 95% US and 5% UK government and corporate debt exposure.
AssetTypeAllocationTER
IB01.LSE
iShares USD Treasury Bond 0-1yr UCITS ETF (Acc)IE00BGSF1X88
ETF
57.4%0.07%
ERNA.LSE
iShares USD Ultrashort Bond UCITS ETF USD (Acc)IE00BGCSB447
ETF
37.6%0.09%
ERNS.LSE
iShares GBP Ultrashort Bond UCITS ETF (Dist)IE00BCRY6441
ETF
5.0%0.09%
Total100.0%0.08%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €11,888.3
Histogram of Monthly Returns
The portfolio had a positive return during 50 of the 88 months (57%)
Monthly Returns Heatmap
Best month: +4.8% • Worst month: -4.8% • Best year: 2024 (+11.8%) • Worst year: 2020 (-7.2%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026-1.4%+1.5%+2.2%-0.8%+0.0%-------+1.4%
2025+0.5%+0.4%-3.3%-3.9%-0.1%-3.4%+2.1%-0.4%-0.0%+1.6%+0.1%-0.8%-7.1%
2024+2.6%+0.4%+0.6%+1.5%-1.1%+1.6%-0.4%-1.4%-0.2%+2.5%+3.3%+2.0%+11.8%
2023-1.1%+2.9%-1.9%-1.1%+3.3%-1.4%-0.3%+1.9%+2.8%+0.4%-2.2%-0.8%+2.2%
2022+1.3%+0.1%+1.1%+4.8%-1.6%+2.1%+2.6%+1.9%+2.3%-0.6%-4.5%-2.1%+7.0%
2021+0.7%+0.6%+3.0%-2.4%-1.3%+2.7%-0.1%+0.5%+1.9%+0.2%+1.8%-0.4%+7.5%
2020+1.7%+0.3%-0.9%+1.4%-1.0%-1.3%-4.8%+0.5%+0.5%+0.6%-3.0%-1.2%-7.2%
2019--0.0%+1.3%+0.5%+0.6%-1.8%+2.5%+0.5%+1.4%-1.6%+1.5%-1.4%+3.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +11.72% • The longest drawdown period lasted for 2 years and 1 month and was between September 2022 and November 2024. It reached a trough of -11.0%.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (5.0% of total allocation)

Total Dividends Received

106.63

15 payments

Dividend Yield

0.14%

(annualized)

Avg Per Payment

7.11

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
20266.08
202526.90
202432.06
202324.99
20226.19
20211.38
20203.73
20195.30
Total106.63

Detailed Metrics

Returns
Total Return
+18.88%
Annualized Return
+2.44%
Avg Monthly Return
+0.21%
Risk
Volatility (Annual)
+7.10%
Max Drawdown
+11.72%
Positive Months
57%
Average Drawdown
-5.2%
Risk-Adjusted
Sharpe Ratio
0.06
Risk-free rate: 2.0%
Sortino Ratio
0.06
Downside risk adjusted
Return/Volatility
0.34
Calmar Ratio
0.21
Return/Max Drawdown
Ulcer Index
6.05
Drawdown depth & duration
Martin Ratio
0.00
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
11,888.3
Backtest Period
2019-02-22 to 2026-05-01
7.2 years
Rebalancing
monthly
Base Currency
EUR