Balanced2026

safe

Holdings

Asset Allocation

Asset Class

Equity 60.0%Bonds 20.0%Precious Metals 20.0%

Holdings Details

Balanced2026 is a diversified EUR-based ETF portfolio designed for stability with annual rebalancing to match your 2026 investment timeline.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
SXR8.XETRA iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087	IE00B5BMR087	Acc	ETF	30.0%	0.07%
IUS3.XETRA iShares S&P SmallCap 600 UCITS ETF • IE00B2QWCY14	IE00B2QWCY14	Dist	ETF	30.0%	0.3%
EUNA.XETRA iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) • IE00BDBRDM35	IE00BDBRDM35	Acc	ETF	20.0%	0.1%
EGLN.LSE iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	20.0%	0.12%
Total		Total			100.0%	0.15%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €23,114.17

Histogram of Monthly Returns

The portfolio had a positive return during 65 of the 101 months (64%)

Monthly Returns Heatmap

Best month: +7.9% • Worst month: -8.5% • Best year: 2021 (+24.4%) • Worst year: 2022 (-9.5%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+3.4%	+2.3%	-4.5%	+5.6%	-	-	-	-	-	-	-	-	+6.6%
2025	+4.1%	-2.8%	-4.4%	-3.5%	+3.0%	-0.1%	+3.5%	+1.3%	+3.5%	+3.2%	+1.7%	+0.3%	+9.9%
2024	+0.9%	+1.7%	+4.1%	-1.3%	+0.9%	+2.5%	+3.5%	-1.1%	+1.8%	+2.3%	+6.6%	-2.7%	+20.7%
2023	+4.5%	+0.1%	-1.0%	-1.2%	+2.0%	+2.0%	+2.2%	-0.4%	-2.5%	-1.6%	+3.7%	+5.3%	+13.5%
2022	-4.7%	+1.2%	+2.7%	-1.2%	-3.1%	-3.7%	+7.2%	-1.8%	-4.2%	+3.3%	-0.7%	-4.3%	-9.5%
2021	+3.2%	+1.5%	+4.4%	+1.1%	+0.4%	+2.3%	+0.7%	+1.9%	-0.7%	+2.9%	+1.3%	+3.2%	+24.4%
2020	+1.0%	-5.2%	-8.5%	+7.9%	+0.9%	+1.6%	+1.2%	+2.6%	-1.6%	-0.0%	+4.5%	+2.1%	+5.5%
2019	+6.5%	+2.9%	+0.4%	+2.2%	-3.5%	+4.0%	+4.0%	-0.0%	+1.3%	-0.4%	+2.6%	+1.2%	+23.2%
2018	-0.4%	-0.7%	-1.4%	+2.3%	+5.1%	-0.2%	+1.0%	+2.8%	-0.9%	-3.2%	+0.4%	-6.1%	-1.8%
2017	-	-	-	-	-	-	-	-	-	-	-	+0.1%	+0.1%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +23.86% • The longest drawdown period lasted for 1 year and 3 months and was between August 2022 and December 2023. It reached a trough of -10.6%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (30.0% of total allocation)

Total Dividends Received

€442.08

17 payments

Dividend Yield

0.36%

(annualized)

Avg Per Payment

€26.00

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	€44.56	0.20%	1
2025	€75.65	0.38%	2
2024	€68.11	0.38%	2
2023	€57.05	0.38%	2
2022	€46.78	0.31%	2
2021	€39.68	0.27%	2
2020	€39.43	0.33%	2
2019	€38.12	0.34%	2
2018	€32.70	0.32%	2
Total	€442.08	0.36%	17

Detailed Metrics

Returns

Total Return

+131.14%

Annualized Return

+10.57%

Avg Monthly Return

+0.88%

Risk

Volatility (Annual)

+11.28%

Max Drawdown

+23.86%

Positive Months

64%

Average Drawdown

-3.9%

Risk-Adjusted

Sharpe Ratio

0.76

Risk-free rate: 2.0%

Sortino Ratio

0.71

Downside risk adjusted

Return/Volatility

0.94

Calmar Ratio

0.44

Return/Max Drawdown

Ulcer Index

4.95

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€23,114.17

Backtest Period

2017-12-14 to 2026-04-17
8.3 years

Rebalancing

annual

Base Currency

EUR

Performance Summary

Holdings

Performance

Dividend Income

Detailed Metrics