Home PortfoliosBerengere AV world

Berengere AV world

Created byuser-9qu4v8

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None Rebalancing

EUR

Moderate Risk

10.4yr backtest

Performance Summary

Total Return+205.98%

Annualized Return+11.36%

Volatility+14.39%

Sharpe Ratio0.65

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.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
EUNL.XETRA iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983	IE00B4L5Y983	Acc	ETF	40.0%	0.2%
XDW0.XETRA Xtrackers MSCI World Energy UCITS ETF 1C 1C • IE00BM67HM91	IE00BM67HM91	Acc	ETF	25.0%	0.25%
CD91.XETRA Amundi NYSE Arca Gold Bugs UCITS ETF Dist • LU2611731824	LU2611731824	Dist	ETF	20.0%	0.65%
DBXP.XETRA Xtrackers Eurozone Government Bond 1-3 UCITS ETF 1C • LU0290356871	LU0290356871	Acc	ETF	15.0%	0.1%
Total		Total			100.0%	0.29%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €30,597.75

Histogram of Monthly Returns

The portfolio had a positive return during 80 of the 126 months (63%)

Monthly Returns Heatmap

Best month: +16.3% • Worst month: -12.4% • Best year: 2025 (+26.3%) • Worst year: 2018 (-7.5%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+5.5%	+8.3%	-5.3%	+1.1%	+1.6%	-4.1%	+1.3%	+7.3%	-	-	-	-	+15.9%
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%.

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

Year	Dividends	Yield	Payments
2025	€10.55	0.05%	1
2024	€10.42	0.05%	1
2023	€64.27	0.38%	1
2022	€27.96	0.17%	1
2021	€12.60	0.09%	1
2020	€4.09	0.03%	1
2019	€7.77	0.06%	1
2017	€11.37	0.10%	1
Total	€149.02	0.09%	8

Detailed Metrics

Returns

Total Return

+205.98%

Annualized Return

+11.36%

Avg Monthly Return

+0.96%

Risk

Volatility (Annual)

+14.39%

Max Drawdown

+32.22%

Positive Months

63%

Average Drawdown

-4.4%

Risk-Adjusted

Sharpe Ratio

0.65

Risk-free rate: 2.0%

Sortino Ratio

0.60

Downside risk adjusted

Return/Volatility

0.79

Calmar Ratio

0.35

Return/Max Drawdown

Ulcer Index

5.59

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€30,597.75

Backtest Period

2016-03-22 to 2026-08-14
10.4 years

Rebalancing

none

Base Currency

EUR