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Balanced Test

Created byuser-098yle

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None Rebalancing

CHF

Moderate Risk

Multi-currency

4.5yr backtest

Performance Summary

Total Return+110.43%

Annualized Return+18.11%

Volatility+11.73%

Sharpe Ratio1.37

Max Drawdown+13.55%

Holdings

Asset Allocation

Asset Class

Precious Metals 53.0%Equity 42.0%Bonds 5.0%

Holdings Details

Diversified ETF portfolio with 53% gold, 42% global & Swiss equities, and 5% US bonds for balanced, defensive growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
GLDM.US SPDR Gold Mini Shares • US98149E3036	US98149E3036	Acc	ETF	53.0%	0.1%
ZURN.SW Zurich Insurance Group AG • CH0011075394	CH0011075394	-	STOCK	29.2%	0%
SSAC.AS iShares MSCI ACWI UCITS ETF USD (Acc) • IE00B6R52259	IE00B6R52259	Acc	ETF	7.8%	0.2%
SMICHA.SW UBS SMI® ETF CHF dis • CH0017142719	CH0017142719	Dist	ETF	5.0%	0.2%
BND.US Vanguard Total Bond Market Index Fund ETF Shares • US9219378356	US9219378356	Dist	ETF	5.0%	0.03%
Total		Total			100.0%	0.08%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €21,043.33

Histogram of Monthly Returns

The portfolio had a positive return during 37 of the 54 months (69%)

Monthly Returns Heatmap

Best month: +7.1% • Worst month: -5.9% • Best year: 2024 (+34.5%) • Worst year: 2021 (+2.5%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.1%	+6.7%	-5.9%	+0.9%	+0.7%	-	-	-	-	-	-	-	+4.2%
2025	+5.2%	+3.1%	+4.5%	+0.6%	-0.3%	-3.2%	+1.3%	+3.8%	+4.6%	+2.2%	+4.2%	+2.0%	+31.6%
2024	+0.8%	+4.6%	+7.1%	+3.4%	+2.5%	+0.4%	+1.8%	-0.1%	+3.7%	+3.3%	+3.2%	-0.6%	+34.5%
2023	+3.8%	-1.8%	+1.8%	+3.1%	-0.3%	-1.8%	-0.6%	-0.6%	-0.3%	+3.7%	+0.4%	-1.0%	+6.4%
2022	+2.4%	+0.8%	+3.9%	+4.5%	-3.4%	-3.8%	-0.9%	+1.2%	-5.0%	+3.1%	+3.3%	-1.1%	+4.6%
2021	-	-	-	-	-	-	-	-	-	-	-	+2.5%	+2.5%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +13.55% • The longest drawdown period lasted for 1 year and 10 months and was between April 2022 and February 2024. It reached a trough of -13.6%.

Dividend Income

Summary

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

Total Dividends Received

€1,593.96

77 payments

Dividend Yield

2.56%

(annualized)

Avg Per Payment

€20.70

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	€388.56	1.85%	7
2025	€364.68	2.06%	17
2024	€320.58	2.35%	17
2023	€277.82	2.48%	17
2022	€240.65	2.24%	17
2021	€1.62	0.02%	2
Total	€1,593.96	2.56%	77

Detailed Metrics

Returns

Total Return

+110.43%

Annualized Return

+18.11%

Avg Monthly Return

+1.43%

Risk

Volatility (Annual)

+11.73%

Max Drawdown

+13.55%

Positive Months

69%

Average Drawdown

-3.8%

Risk-Adjusted

Sharpe Ratio

1.37

Risk-free rate: 2.0%

Sortino Ratio

1.25

Downside risk adjusted

Return/Volatility

1.54

Calmar Ratio

1.34

Return/Max Drawdown

Ulcer Index

4.51

Drawdown depth & duration

Martin Ratio

0.04

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€21,043.33

Backtest Period

2021-12-01 to 2026-05-22
4.5 years

Rebalancing

none

Base Currency

CHF