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ARERO

Created byuser-pltohc

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Quarterly Rebalancing

EUR

Moderate Risk

7.5yr backtest

Performance Summary

Total Return+87.05%

Annualized Return+8.75%

Volatility+10.61%

Sharpe Ratio0.64

Max Drawdown+23.77%

Holdings

Asset Allocation

Asset Class

Equity 60.0%Bonds 25.0%Commodities 15.0%

Holdings Details

Diversified ETF portfolio blending 60% global equities, 25% European bonds, and 15% commodities for balanced growth and stability.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
PR1R.XETRA Amundi Prime Euro Government Bond UCITS ETF Dist • LU1931975152	LU1931975152	Dist	ETF	25.0%	0.05%
H410.XETRA HSBC MSCI Emerging Markets UCITS ETF USD • IE00B5SSQT16	IE00B5SSQT16	Dist	ETF	22.9%	0.15%
VNRT.XETRA Vanguard FTSE North America UCITS ETF (USD) Distributing • IE00BKX55R35	IE00BKX55R35	Dist	ETF	18.6%	0.08%
ETLF.XETRA L&G All Commodities UCITS ETF • IE00BF0BCP69	IE00BF0BCP69	Acc	ETF	15.0%	0.15%
LYP6.XETRA Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753	LU0908500753	Acc	ETF	14.3%	0.07%
XDJP.XETRA Xtrackers Nikkei 225 UCITS ETF 1D • LU0839027447	LU0839027447	Dist	ETF	2.8%	0.09%
LGQK.XETRA Amundi MSCI Pacific Ex Japan UCITS ETF Dist • LU1220245556	LU1220245556	Dist	ETF	1.4%	0.12%
Total		Total			100.0%	0.10%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €18,704.76

Histogram of Monthly Returns

The portfolio had a positive return during 56 of the 90 months (62%)

Monthly Returns Heatmap

Best month: +6.0% • Worst month: -9.7% • Best year: 2021 (+16.3%) • Worst year: 2022 (-9.3%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+3.7%	+2.4%	-2.6%	+5.9%	+4.0%	+0.4%	-0.4%	-	-	-	-	-	+14.0%
2025	+3.1%	-0.1%	-3.5%	-2.9%	+2.9%	+0.7%	+2.5%	-0.1%	+2.9%	+3.8%	-0.2%	+0.5%	+9.8%
2024	+0.7%	+1.7%	+2.9%	-0.3%	+0.4%	+2.5%	-0.1%	-0.4%	+2.4%	-0.5%	+3.3%	-0.4%	+12.7%
2023	+3.6%	-1.8%	+0.6%	-0.7%	+0.5%	+1.9%	+2.6%	-1.3%	-1.0%	-2.1%	+3.2%	+2.6%	+8.2%
2022	-0.7%	-1.0%	+2.4%	-0.5%	-1.7%	-5.2%	+6.0%	-1.9%	-5.8%	+0.7%	+3.5%	-4.8%	-9.3%
2021	+1.8%	+1.9%	+2.7%	+1.1%	+0.7%	+2.6%	+0.2%	+1.4%	-0.5%	+2.3%	-0.9%	+2.0%	+16.3%
2020	-1.8%	-4.8%	-9.7%	+5.2%	+1.0%	+3.0%	+1.0%	+3.6%	-0.1%	-0.1%	+5.8%	+1.9%	+4.1%
2019	-	+0.7%	+2.2%	+1.7%	-3.4%	+3.0%	+1.9%	-1.1%	+2.1%	+0.1%	+1.5%	+2.5%	+11.6%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +23.77% • The longest drawdown period lasted for 1 year and 11 months and was between April 2022 and March 2024. It reached a trough of -11.0%.

Dividend Income

Summary

This portfolio contains 5 distributing ETFs (70.7% of total allocation)

Total Dividends Received

€1,223.02

86 payments

Dividend Yield

1.25%

(annualized)

Avg Per Payment

€14.22

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	€44.79	0.25%	5
2025	€225.07	1.46%	12
2024	€200.22	1.41%	12
2023	€185.29	1.46%	12
2022	€188.57	1.45%	13
2021	€143.77	1.12%	12
2020	€128.43	1.21%	11
2019	€106.88	1.02%	9
Total	€1,223.02	1.25%	86

Detailed Metrics

Returns

Total Return

+87.05%

Annualized Return

+8.75%

Avg Monthly Return

+0.73%

Risk

Volatility (Annual)

+10.61%

Max Drawdown

+23.77%

Positive Months

62%

Average Drawdown

-4.0%

Risk-Adjusted

Sharpe Ratio

0.64

Risk-free rate: 2.0%

Sortino Ratio

0.57

Downside risk adjusted

Return/Volatility

0.82

Calmar Ratio

0.37

Return/Max Drawdown

Ulcer Index

5.27

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€18,704.76

Backtest Period

2019-02-05 to 2026-07-24
7.5 years

Rebalancing

quarterly

Base Currency

EUR