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Balanced Dividend Growth

Optimize
Annual Rebalancing
EUR
Low Risk
Multi-currency
5.8yr backtest

Performance Summary

Total Return+48.26%
Annualized Return+6.99%
Volatility+7.86%
Sharpe Ratio0.63
Max Drawdown+18.52%

Holdings

Asset Allocation

Asset Class

Bonds 45.0%Equity 45.0%Real Estate 10.0%
Holdings Details
Diversified ETF portfolio blending global bonds, European equities, and UK real estate for balanced, multi-asset growth.
AssetTypeAllocationTER
SYBJ.XETRA
State Street SPDR Bloomberg Euro High Yield Bond UCITS ETF EUR Unhedged (Dist)IE00B6YX5M31
ETF
5.0%0.4%
IUS7.XETRA
iShares J.P. Morgan USD Emerging Markets Bond UCITS ETF (Dist)IE00B2NPKV68
ETF
5.0%0.45%
VUCP.XETRA
Vanguard USD Corporate Bond UCITS ETF DistributingIE00BZ163K21
ETF
5.0%0.07%
VGEB.XETRA
Vanguard EUR Eurozone Government Bond UCITS ETF DistributingIE00BZ163H91
ETF
5.0%0.07%
LDCE.XETRA
PIMCO Advantage Euro Low Duration Corporate Bond UCITS ETF DistIE00BP9F2J32
ETF
5.0%0.25%
VECP.XETRA
Vanguard EUR Corporate Bond UCITS ETF (EUR) DistributingIE00BZ163G84
ETF
5.0%0.07%
FEUD.LSE
First Trust Eurozone AlphaDEX UCITS ETF B DistIE00BF2FL590
ETF
5.0%0.65%
UKRE.LSE
iShares MSCI Target UK Real Estate UCITS ETFIE00BRHZ0398
ETF
5.0%0.4%
WTES.XETRA
WisdomTree Europe SmallCap Dividend UCITS ETFIE00BQZJC527
ETF
5.0%0.38%
EHDV.XETRA
Invesco EURO STOXX High Dividend Low Volatility UCITS ETFIE00BZ4BMM98
ETF
5.0%0.3%
EXSH.F
iShares STOXX Europe Select Dividend 30 UCITS ETF (DE)DE0002635299
ETF
5.0%0.32%
IDVY.AS
iShares Euro Dividend UCITS ETFIE00B0M62S72
ETF
5.0%0.4%
TRDE.XETRA
Invesco US Treasury Bond 7-10 Year UCITS ETF EUR Hedged DistIE00BF2FN869
ETF
5.0%0.1%
EUHI.XETRA
PIMCO Advantage Euro Short-Term High Yield Corporate Bond UCITS ETF (Dist)IE00BD8D5H32
ETF
5.0%0.45%
FLXD.XETRA
Franklin European Quality Dividend UCITS ETF (Dist)IE00BF2B0L69
ETF
5.0%0.25%
IUKP.LSE
iShares UK Property UCITS ETFIE00B1TXLS18
ETF
5.0%0.4%
WTEE.XETRA
WisdomTree Europe Equity Income UCITS ETFIE00BQZJBX31
ETF
5.0%0.29%
XHYG.XETRA
Xtrackers EUR High Yield Corporate Bond UCITS ETF 1DLU1109942653
ETF
5.0%0.2%
D500.XETRA
Invesco S&P 500 UCITS ETF DistIE00BYML9W36
ETF
5.0%0.05%
IQQY.XETRA
iShares Core MSCI Europe UCITS ETF EUR (Dist)IE00B1YZSC51
ETF
5.0%0.12%
Total100.0%0.28%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €14,825.6
Histogram of Monthly Returns
The portfolio had a positive return during 45 of the 71 months (63%)
Monthly Returns Heatmap
Best month: +8.5% • Worst month: -6.5% • Best year: 2021 (+14.5%) • Worst year: 2022 (-13.0%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.9%+2.4%-4.3%+3.5%+1.9%+0.3%------+5.6%
2025+3.1%+2.1%-0.9%+0.2%+3.3%-0.1%+1.3%+0.0%+0.9%+1.2%+0.8%+1.4%+14.1%
2024+0.3%-0.8%+3.2%-0.7%+2.3%-0.7%+2.4%+0.3%+1.0%-1.9%+1.5%-0.8%+6.0%
2023+4.0%+0.3%-1.6%+1.2%-1.2%+0.4%+2.1%-1.1%-1.2%-2.4%+5.1%+3.9%+9.6%
2022-1.5%-3.2%+0.5%-1.6%-1.1%-6.5%+5.4%-4.0%-6.0%+3.2%+3.7%-2.0%-13.0%
2021-0.3%+1.5%+4.1%+0.4%+1.6%+0.8%+2.1%+1.4%-2.3%+1.8%-0.5%+3.1%+14.5%
2020-------+0.3%-1.6%-1.9%+8.5%+1.5%+6.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +18.52% • The longest drawdown period lasted for 2 years and 6 months and was between January 2022 and July 2024. It reached a trough of -18.5%.

Dividend Income

Summary
This portfolio contains 20 distributing ETFs (100.0% of total allocation)

Total Dividends Received

2,299.42

695 payments

Dividend Yield

3.32%

(annualized)

Avg Per Payment

3.31

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
2026217.91
2025530.55
2024488.95
2023397.96
2022332.60
2021264.30
202067.16
Total2,299.42

Detailed Metrics

Returns
Total Return
+48.26%
Annualized Return
+6.99%
Avg Monthly Return
+0.59%
Risk
Volatility (Annual)
+7.86%
Max Drawdown
+18.52%
Positive Months
63%
Average Drawdown
-4.7%
Risk-Adjusted
Sharpe Ratio
0.63
Risk-free rate: 2.0%
Sortino Ratio
0.59
Downside risk adjusted
Return/Volatility
0.89
Calmar Ratio
0.38
Return/Max Drawdown
Ulcer Index
6.30
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
14,825.6
Backtest Period
2020-08-19 to 2026-06-19
5.8 years
Rebalancing
annual
Base Currency
EUR
Balanced Dividend Growth | ETF Backtest