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Balanced 5 ETF

Created byuser-xwe79g

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Annual Rebalancing

EUR

Low Risk

Multi-currency

8.5yr backtest

Performance Summary

Total Return+108.95%

Annualized Return+9.04%

Volatility+8.55%

Sharpe Ratio0.82

Max Drawdown+18.61%

Holdings

Asset Allocation

Asset Class

Equity 50.0%Bonds 30.0%Precious Metals 10.0%Money Market 10.0%

Holdings Details

Diversified global ETF portfolio with 50% stocks, 30% bonds, 10% gold, and 10% cash for balanced growth and stability.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
HMWD.LSE HSBC MSCI World UCITS ETF USD • IE00B4X9L533	IE00B4X9L533	Dist	ETF	50.0%	0.15%
EUNU.XETRA iShares Core Global Aggregate Bond UCITS ETF USD (Dist) • IE00B3F81409	IE00B3F81409	Dist	ETF	20.0%	0.1%
SXRH.XETRA iShares USD TIPS 0-5 UCITS ETF USD (Dist) • IE00BDQYWQ65	IE00BDQYWQ65	Dist	ETF	10.0%	0.1%
PHAU.AS WisdomTree Physical Gold EUR • JE00B1VS3770	JE00B1VS3770	Acc	ETF	10.0%	0.39%
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497	LU0290358497	Acc	ETF	10.0%	0.1%
Total		Total			100.0%	0.15%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €20,895.02

Histogram of Monthly Returns

The portfolio had a positive return during 67 of the 103 months (65%)

Monthly Returns Heatmap

Best month: +6.0% • Worst month: -5.4% • Best year: 2019 (+20.0%) • Worst year: 2022 (-7.7%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+0.9%	+2.1%	-3.7%	+4.0%	+3.1%	+0.0%	-	-	-	-	-	-	+6.4%
2025	+3.1%	-0.7%	-4.3%	-2.4%	+3.0%	-0.8%	+2.9%	+0.6%	+2.5%	+3.1%	+0.5%	-0.0%	+7.2%
2024	+2.6%	+1.6%	+2.9%	-0.7%	+0.8%	+3.2%	+0.6%	+0.1%	+1.3%	+1.3%	+4.8%	-0.4%	+19.5%
2023	+3.4%	+0.2%	+0.7%	-0.3%	+1.8%	+1.1%	+1.7%	-0.1%	-1.0%	-1.3%	+3.6%	+2.7%	+12.9%
2022	-2.6%	-0.2%	+2.4%	-0.8%	-2.7%	-3.0%	+6.0%	-1.3%	-3.4%	+1.5%	-0.6%	-3.0%	-7.7%
2021	+0.6%	+0.4%	+4.2%	+0.7%	+0.6%	+2.4%	+1.8%	+1.6%	-0.7%	+2.8%	+1.1%	+1.9%	+18.6%
2020	+1.9%	-4.2%	-5.4%	+5.6%	+0.9%	+1.0%	-0.4%	+2.7%	-0.4%	-1.2%	+3.0%	+1.4%	+4.4%
2019	+4.6%	+2.3%	+1.8%	+1.9%	-1.9%	+2.5%	+3.1%	-0.0%	+1.8%	-0.4%	+2.7%	+0.3%	+20.0%
2018	-1.0%	-0.4%	-1.7%	+2.6%	+2.7%	+0.2%	+0.7%	+0.8%	+0.2%	-1.9%	+0.4%	-3.2%	-0.8%
2017	-	-	-	-	-	-	-	-	-	-	-	-0.3%	-0.3%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +18.61% • The longest drawdown period lasted for 1 year and was between August 2022 and September 2023. It reached a trough of -8.9%.

Dividend Income

Summary

This portfolio contains 3 distributing ETFs (80.0% of total allocation)

Total Dividends Received

€2,246.02

82 payments

Dividend Yield

1.86%

(annualized)

Avg Per Payment

€27.39

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	€118.23	0.59%	3
2025	€392.95	2.12%	9
2024	€421.55	2.50%	10
2023	€362.60	2.52%	11
2022	€167.12	1.18%	9
2021	€183.53	1.36%	10
2020	€208.53	1.75%	10
2019	€224.37	2.02%	10
2018	€167.14	1.66%	10
Total	€2,246.02	1.86%	82

Detailed Metrics

Returns

Total Return

+108.95%

Annualized Return

+9.04%

Avg Monthly Return

+0.74%

Risk

Volatility (Annual)

+8.55%

Max Drawdown

+18.61%

Positive Months

65%

Average Drawdown

-2.8%

Risk-Adjusted

Sharpe Ratio

0.82

Risk-free rate: 2.0%

Sortino Ratio

0.77

Downside risk adjusted

Return/Volatility

1.06

Calmar Ratio

0.49

Return/Max Drawdown

Ulcer Index

3.61

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€20,895.02

Backtest Period

2017-12-14 to 2026-06-19
8.5 years

Rebalancing

annual

Base Currency

EUR