Home Portfoliosarga test balanced

arga test balanced

Created byuser-xi07wn

Optimize

None Rebalancing

EUR

Moderate Risk

4.8yr backtest

Performance Summary

Total Return+135.65%

Annualized Return+19.51%

Volatility+10.96%

Sharpe Ratio1.60

Max Drawdown+10.65%

Holdings

Asset Allocation

Asset Class

Precious Metals 48.7%Equity 35.3%Other 11.0%Bonds 5.0%

Holdings Details

This diversified ETF portfolio blends 49% physical gold for stability with 35% global equities for growth, plus 11% EUR corporate bonds. It offers a balanced mix across precious metals, stocks, bonds

Asset	ISIN	Dist. Policy	Type	Allocation	TER
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	48.7%	0.12%
IS3S.XETRA iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59	IE00BP3QZB59	Acc	ETF	15.7%	0.25%
LGGE.F L&G Europe ex-UK Quality Dividends Equal Weight ETF EUR Dis	-	-	ETF	11.0%	-
XDW0.XETRA Xtrackers MSCI World Energy UCITS ETF 1C 1C • IE00BM67HM91	IE00BM67HM91	Acc	ETF	9.6%	0.25%
VDIV.XETRA VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594	NL0011683594	Dist	ETF	5.0%	0.38%
VGWD.XETRA Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10	IE00B8GKDB10	Dist	ETF	5.0%	0.29%
IEAA.LSE iShares Core EUR Corporate Bond UCITS ETF (Acc) • IE00BF11F565	IE00BF11F565	Acc	ETF	5.0%	0.09%
Total		Total			100.0%	0.16%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €23,564.5

Histogram of Monthly Returns

The portfolio had a positive return during 45 of the 59 months (76%)

Monthly Returns Heatmap

Best month: +8.8% • Worst month: -5.2% • Best year: 2025 (+35.5%) • Worst year: 2021 (+6.9%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+8.8%	+5.9%	-5.2%	+0.7%	+1.0%	-	-	-	-	-	-	-	+11.0%
2025	+6.6%	+1.9%	+2.3%	-2.0%	+1.5%	-1.3%	+2.9%	+2.3%	+6.1%	+4.3%	+3.7%	+2.7%	+35.5%
2024	+1.4%	+0.7%	+7.0%	+2.3%	+0.2%	+0.8%	+2.6%	-0.1%	+2.2%	+3.4%	+2.0%	-1.7%	+22.6%
2023	+3.9%	-1.2%	+1.0%	+0.2%	+0.2%	-0.6%	+2.9%	-0.0%	+0.1%	+1.2%	+1.0%	+1.4%	+10.3%
2022	+2.3%	+2.1%	+4.0%	+2.1%	-0.5%	-4.5%	+3.1%	-0.8%	-3.2%	+3.4%	+2.8%	-2.2%	+8.4%
2021	-	-	-	-	-	-	+0.3%	+0.4%	+0.5%	+2.3%	-0.2%	+3.5%	+6.9%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +10.65% • The longest drawdown period lasted for 8 months and was between April 2022 and January 2023. It reached a trough of -7.4%.

Dividend Income

Summary

This portfolio contains 2 distributing ETFs (10.0% of total allocation)

Total Dividends Received

€557.31

57 payments

Dividend Yield

0.81%

(annualized)

Avg Per Payment

€9.78

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	€13.47	0.06%	3
2025	€143.79	0.80%	12
2024	€132.33	0.92%	12
2023	€122.96	1.01%	12
2022	€103.95	0.91%	12
2021	€40.80	0.40%	6
Total	€557.31	0.81%	57

Detailed Metrics

Returns

Total Return

+135.65%

Annualized Return

+19.51%

Avg Monthly Return

+1.50%

Risk

Volatility (Annual)

+10.96%

Max Drawdown

+10.65%

Positive Months

76%

Average Drawdown

-1.9%

Risk-Adjusted

Sharpe Ratio

1.60

Risk-free rate: 2.0%

Sortino Ratio

1.49

Downside risk adjusted

Return/Volatility

1.78

Calmar Ratio

1.83

Return/Max Drawdown

Ulcer Index

2.31

Drawdown depth & duration

Martin Ratio

0.08

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€23,564.5

Backtest Period

2021-07-16 to 2026-05-08
4.8 years

Rebalancing

none

Base Currency

EUR