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None Rebalancing

EUR

Moderate Risk

7.1yr backtest

Performance Summary

Total Return+149.03%

Annualized Return+13.80%

Volatility+16.61%

Sharpe Ratio0.71

Max Drawdown+35.64%

Holdings

Asset Allocation

Asset Class

Equity 100.0%

Holdings Details

Diversified global ETF portfolio with core MSCI World, emerging markets, European small-cap, value, and US tech allocations.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
CW8.PA Amundi MSCI World Swap UCITS ETF EUR Acc • LU1681043599	LU1681043599	Acc	ETF	31.0%	0.38%
PAEEM.PA Amundi PEA Emergent (MSCI Emerging) ESG Transition UCITS ETF Acc • FR0013412020	FR0013412020	Acc	ETF	16.0%	0.3%
MMS.PA Lyxor MSCI EMU Small Cap UCITS ETF EUR • FR0010168773	FR0010168773	Dist	ETF	14.0%	0.4%
LGWS.XETRA Amundi MSCI EMU Value Factor UCITS ETF Dist • LU1598690169	LU1598690169	Dist	ETF	12.0%	0.4%
PANX.PA Amundi PEA US Tech Screened UCITS ETF Acc • FR0013412269	FR0013412269	Acc	ETF	10.0%	0.3%
SELD.XETRA Amundi Stoxx Europe Select Dividend 30 UCITS ETF Dist • LU1812092168	LU1812092168	Dist	ETF	5.0%	0.3%
RS2K.PA Amundi Russell 2000 UCITS ETF EUR (C) • LU1681038672	LU1681038672	Acc	ETF	4.0%	0.35%
BNKE.PA Amundi Euro Stoxx Banks UCITS ETF Acc • LU1829219390	LU1829219390	Acc	ETF	4.0%	0.3%
6TVL.XETRA Amundi STOXX Europe 600 Consumer Discretionary UCITS ETF Dist • LU2082999132	LU2082999132	Dist	ETF	4.0%	0.3%
Total		Total			100.0%	0.35%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €24,903.16

Histogram of Monthly Returns

The portfolio had a positive return during 57 of the 86 months (66%)

Monthly Returns Heatmap

Best month: +12.7% • Worst month: -15.5% • Best year: 2021 (+24.4%) • Worst year: 2022 (-15.4%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+1.8%	+1.4%	-6.3%	+10.1%	+6.7%	+1.9%	-	-	-	-	-	-	+15.7%
2025	+3.9%	-0.2%	-5.5%	-2.5%	+6.5%	+1.2%	+4.6%	+0.2%	+3.0%	+4.3%	+0.3%	+1.4%	+18.2%
2024	+2.1%	+2.4%	+4.3%	-0.8%	+2.5%	+2.1%	+0.7%	-0.6%	+1.8%	-0.0%	+3.9%	+0.5%	+20.5%
2023	+7.6%	+1.1%	-1.1%	+0.2%	+1.6%	+3.7%	+3.1%	-1.8%	-1.9%	-4.0%	+6.3%	+3.3%	+19.0%
2022	-3.5%	-3.5%	+2.1%	-2.4%	-2.1%	-7.7%	+7.6%	-1.9%	-6.5%	+4.4%	+3.0%	-4.8%	-15.4%
2021	+0.9%	+3.8%	+5.1%	+1.7%	+0.5%	+2.9%	+0.2%	+3.0%	-1.9%	+3.9%	-1.5%	+3.7%	+24.4%
2020	-1.0%	-7.7%	-15.5%	+8.9%	+2.4%	+4.0%	-0.1%	+5.4%	-1.7%	-2.5%	+12.7%	+3.4%	+5.4%
2019	-	-	-	-	-0.1%	+3.9%	+2.1%	-2.5%	+3.7%	+1.2%	+3.5%	+2.2%	+14.6%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +35.64% • The longest drawdown period lasted for 2 years and 2 months and was between November 2021 and January 2024. It reached a trough of -19.2%.

Dividend Income

Summary

This portfolio contains 4 distributing ETFs (35.0% of total allocation)

Total Dividends Received

€895.68

33 payments

Dividend Yield

0.85%

(annualized)

Avg Per Payment

€27.14

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
2025	€202.63	1.05%	4
2024	€166.14	0.99%	4
2023	€50.73	0.36%	2
2022	€164.15	1.22%	7
2021	€106.70	0.77%	6
2020	€84.55	0.80%	5
2019	€120.78	1.13%	5
Total	€895.68	0.85%	33

Detailed Metrics

Returns

Total Return

+149.03%

Annualized Return

+13.80%

Avg Monthly Return

+1.15%

Risk

Volatility (Annual)

+16.61%

Max Drawdown

+35.64%

Positive Months

66%

Average Drawdown

-6.1%

Risk-Adjusted

Sharpe Ratio

0.71

Risk-free rate: 2.0%

Sortino Ratio

0.64

Downside risk adjusted

Return/Volatility

0.83

Calmar Ratio

0.39

Return/Max Drawdown

Ulcer Index

8.09

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€24,903.16

Backtest Period

2019-05-29 to 2026-06-19
7.1 years

Rebalancing

none

Base Currency

EUR