HomePortfoliosBerengere AV world

Berengere AV world

Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
10.5yr backtest

Performance Summary

Total Return+214.96%
Annualized Return+11.60%
Volatility+14.39%
Sharpe Ratio0.67
Max Drawdown+32.22%

Holdings

Asset Allocation

Asset Class

Equity 85.0%Bonds 15.0%
Holdings Details
Diversified ETF portfolio with 85% global equities, 15% Eurozone bonds, and targeted allocations to energy and gold for balanced growth.
AssetTypeAllocationTER
EUNL.XETRA
iShares Core MSCI World UCITS ETF USD (Acc)IE00B4L5Y983
ETF
40.0%0.2%
XDW0.XETRA
Xtrackers MSCI World Energy UCITS ETF 1C 1CIE00BM67HM91
ETF
25.0%0.25%
CD91.XETRA
Amundi NYSE Arca Gold Bugs UCITS ETF DistLU2611731824
ETF
20.0%0.65%
DBXP.XETRA
Xtrackers Eurozone Government Bond 1-3 UCITS ETF 1CLU0290356871
ETF
15.0%0.1%
Total100.0%0.29%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €31,496.13
Histogram of Monthly Returns
The portfolio had a positive return during 81 of the 127 months (64%)
Monthly Returns Heatmap
Best month: +16.3% • Worst month: -12.4% • Best year: 2025 (+26.3%) • Worst year: 2018 (-7.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+5.5%+8.3%-5.3%+1.1%+1.6%-4.1%+1.3%+9.6%+0.8%---+19.3%
2025+6.0%-1.6%-1.7%-4.8%+3.7%+1.0%+4.7%+3.9%+5.4%+1.5%+4.7%+1.3%+26.3%
2024+0.9%+1.1%+7.0%+0.8%+0.4%+2.6%+2.2%-1.0%+0.2%+1.9%+5.2%-3.6%+18.6%
2023+4.3%-2.5%+1.5%+0.8%-1.2%+1.6%+3.1%-0.2%-0.2%-2.2%+3.1%+2.1%+10.2%
2022-0.6%+2.7%+7.3%-1.5%-1.4%-8.6%+6.3%-1.0%-3.6%+6.4%+1.4%-4.8%+1.4%
2021+0.3%+1.1%+5.8%+1.1%+3.1%+0.2%+0.5%+0.1%-0.2%+5.7%+0.2%+2.5%+22.1%
2020-1.6%-9.3%-12.4%+16.3%+0.5%+1.7%+2.0%+3.0%-3.5%-3.3%+4.7%+2.0%-2.6%
2019+6.8%+2.5%+2.4%+0.6%-4.3%+6.1%+3.3%-0.0%+0.5%-0.1%+2.6%+3.3%+25.8%
2018-0.4%-3.9%-2.0%+5.5%+3.6%+0.1%+0.4%-1.9%+1.2%-4.0%-0.7%-5.2%-7.5%
2017-1.0%+1.7%-0.3%-2.1%-2.5%-1.9%+0.2%-0.2%+2.3%+1.3%-0.9%+2.3%-1.3%
2016---1.5%+7.1%-0.3%+5.2%+3.5%-4.7%+1.6%-1.5%+1.5%+4.0%+15.4%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +32.22% • The longest drawdown period lasted for 2 years and 1 month and was between February 2017 and April 2019. It reached a trough of -12.8%.
When could this portfolio get you to financial independence?

Berengere AV world returned +11.60% a year over the 10 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (20.0% of total allocation)

Total Dividends Received

149.02

8 payments

Dividend Yield

0.09%

(annualized)

Avg Per Payment

18.63

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
202510.55
202410.42
202364.27
202227.96
202112.60
20204.09
20197.77
201711.37
Total149.02

Detailed Metrics

Returns
Total Return
+214.96%
Annualized Return
+11.60%
Avg Monthly Return
+0.98%
Risk
Volatility (Annual)
+14.39%
Max Drawdown
+32.22%
Positive Months
64%
Average Drawdown
-4.4%
Risk-Adjusted
Sharpe Ratio
0.67
Risk-free rate: 2.0%
Sortino Ratio
0.62
Downside risk adjusted
Return/Volatility
0.81
Calmar Ratio
0.36
Return/Max Drawdown
Ulcer Index
5.57
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
31,496.13
Backtest Period
2016-03-22 to 2026-09-04
10.5 years
Rebalancing
none
Base Currency
EUR