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Balanced Dividend Growth

Created byuser-xwe79g

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Annual Rebalancing

EUR

Moderate Risk

Multi-currency

5.8yr backtest

Performance Summary

Total Return+106.84%

Annualized Return+13.27%

Volatility+11.32%

Sharpe Ratio1.00

Max Drawdown+18.35%

Holdings

Asset Allocation

Asset Class

Equity 90.0%Bonds 10.0%

Holdings Details

A diversified ETF portfolio blending 90% European & US equities with 10% bonds for targeted exposure to income and growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
LDCE.XETRA PIMCO Advantage Euro Low Duration Corporate Bond UCITS ETF Dist • IE00BP9F2J32	IE00BP9F2J32	Dist	ETF	10.0%	0.25%
FEUD.LSE First Trust Eurozone AlphaDEX UCITS ETF B Dist • IE00BF2FL590	IE00BF2FL590	Dist	ETF	10.0%	0.65%
WTES.XETRA WisdomTree Europe SmallCap Dividend UCITS ETF • IE00BQZJC527	IE00BQZJC527	Dist	ETF	10.0%	0.38%
EHDV.XETRA Invesco EURO STOXX High Dividend Low Volatility UCITS ETF • IE00BZ4BMM98	IE00BZ4BMM98	Dist	ETF	10.0%	0.3%
EXSH.F iShares STOXX Europe Select Dividend 30 UCITS ETF (DE) • DE0002635299	DE0002635299	Dist	ETF	10.0%	0.32%
IDVY.AS iShares Euro Dividend UCITS ETF • IE00B0M62S72	IE00B0M62S72	Dist	ETF	10.0%	0.4%
FLXD.XETRA Franklin European Quality Dividend UCITS ETF (Dist) • IE00BF2B0L69	IE00BF2B0L69	Dist	ETF	10.0%	0.25%
WTEE.XETRA WisdomTree Europe Equity Income UCITS ETF • IE00BQZJBX31	IE00BQZJBX31	Dist	ETF	10.0%	0.29%
D500.XETRA Invesco S&P 500 UCITS ETF Dist • IE00BYML9W36	IE00BYML9W36	Dist	ETF	10.0%	0.05%
IQQY.XETRA iShares Core MSCI Europe UCITS ETF EUR (Dist) • IE00B1YZSC51	IE00B1YZSC51	Dist	ETF	10.0%	0.12%
Total		Total			100.0%	0.30%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €20,683.72

Histogram of Monthly Returns

The portfolio had a positive return during 47 of the 71 months (66%)

Monthly Returns Heatmap

Best month: +13.9% • Worst month: -8.1% • Best year: 2025 (+26.6%) • Worst year: 2022 (-9.6%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.8%	+3.8%	-4.5%	+5.0%	+2.9%	+0.2%	-	-	-	-	-	-	+10.4%
2025	+5.6%	+3.3%	-0.4%	+0.4%	+5.5%	-0.1%	+2.7%	+0.9%	+0.9%	+1.4%	+1.3%	+2.5%	+26.6%
2024	+0.8%	+0.1%	+4.3%	+0.1%	+3.4%	-1.8%	+2.9%	+0.3%	+0.6%	-1.8%	+1.2%	-0.3%	+9.8%
2023	+5.1%	+1.7%	-2.9%	+1.7%	-1.9%	+1.8%	+2.8%	-1.6%	-1.1%	-3.5%	+5.9%	+3.8%	+11.9%
2022	-0.9%	-4.0%	+1.2%	-0.6%	-0.0%	-8.1%	+4.5%	-3.1%	-6.4%	+5.8%	+4.8%	-2.1%	-9.6%
2021	-0.4%	+3.4%	+6.6%	+0.8%	+2.2%	+0.5%	+1.9%	+2.1%	-2.8%	+2.6%	-1.7%	+4.8%	+21.6%
2020	-	-	-	-	-	-	-	+0.0%	-2.2%	-3.9%	+13.9%	+2.4%	+9.6%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +18.35% • The longest drawdown period lasted for 1 year and 11 months and was between January 2022 and December 2023. It reached a trough of -18.3%.

Dividend Income

Summary

This portfolio contains 10 distributing ETFs (100.0% of total allocation)

Total Dividends Received

€2,976.75

227 payments

Dividend Yield

3.65%

(annualized)

Avg Per Payment

€13.11

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	€253.98	1.28%	19
2025	€736.43	4.34%	43
2024	€624.78	4.35%	39
2023	€503.91	3.96%	36
2022	€449.51	3.66%	38
2021	€324.93	2.63%	36
2020	€83.23	0.81%	16
Total	€2,976.75	3.65%	227

Detailed Metrics

Returns

Total Return

+106.84%

Annualized Return

+13.27%

Avg Monthly Return

+1.08%

Risk

Volatility (Annual)

+11.32%

Max Drawdown

+18.35%

Positive Months

66%

Average Drawdown

-3.8%

Risk-Adjusted

Sharpe Ratio

1.00

Risk-free rate: 2.0%

Sortino Ratio

0.90

Downside risk adjusted

Return/Volatility

1.17

Calmar Ratio

0.72

Return/Max Drawdown

Ulcer Index

4.98

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€20,683.72

Backtest Period

2020-08-19 to 2026-06-19
5.8 years

Rebalancing

annual

Base Currency

EUR