HomePortfoliosARERO

ARERO

Created byuser-pltohc
Optimize FIRE Projection
Quarterly Rebalancing
EUR
Moderate Risk
7.6yr backtest

Performance Summary

Total Return+91.29%
Annualized Return+8.94%
Volatility+10.56%
Sharpe Ratio0.66
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.
AssetTypeAllocationTER
PR1R.XETRA
Amundi Prime Euro Government Bond UCITS ETF Dist • LU1931975152
ETF
25.0%0.05%
H410.XETRA
HSBC MSCI Emerging Markets UCITS ETF USD • IE00B5SSQT16
ETF
22.9%0.15%
VNRT.XETRA
Vanguard FTSE North America UCITS ETF (USD) Distributing • IE00BKX55R35
ETF
18.6%0.08%
ETLF.XETRA
L&G All Commodities UCITS ETF • IE00BF0BCP69
ETF
15.0%0.15%
LYP6.XETRA
Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753
ETF
14.3%0.07%
XDJP.XETRA
Xtrackers Nikkei 225 UCITS ETF 1D • LU0839027447
ETF
2.8%0.09%
LGQK.XETRA
Amundi MSCI Pacific Ex Japan UCITS ETF Dist • LU1220245556
ETF
1.4%0.12%
Total100.0%0.10%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €19,128.55
Histogram of Monthly Returns
The portfolio had a positive return during 58 of the 92 months (63%)
Monthly Returns Heatmap
Best month: +6.0% • Worst month: -9.7% • Best year: 2026 (+16.6%) • Worst year: 2022 (-9.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.7%+2.4%-2.6%+5.9%+4.0%+0.4%-1.2%+2.3%+0.8%---+16.6%
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%+2.1%+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%.
When could this portfolio get you to financial independence?

ARERO returned +8.94% a year over the 8 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Dividend Income

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

Total Dividends Received

€1,250.78

88 payments

Dividend Yield

1.25%

(annualized)

Avg Per Payment

€14.21

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
2026€72.55
2025€225.07
2024€200.22
2023€185.29
2022€188.57
2021€143.77
2020€128.43
2019€106.88
Total€1,250.78

Detailed Metrics

Returns
Total Return
+91.29%
Annualized Return
+8.94%
Avg Monthly Return
+0.74%
Risk
Volatility (Annual)
+10.56%
Max Drawdown
+23.77%
Positive Months
63%
Average Drawdown
-4.0%
Risk-Adjusted
Sharpe Ratio
0.66
Risk-free rate: 2.0%
Sortino Ratio
0.59
Downside risk adjusted
Return/Volatility
0.85
Calmar Ratio
0.38
Return/Max Drawdown
Ulcer Index
5.23
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€19,128.55
Backtest Period
2019-02-05 to 2026-09-04
7.6 years
Rebalancing
quarterly
Base Currency
EUR