None Rebalancing
EUR
Low Risk
3.2yr backtest

Performance Summary

Total Return+30.76%
Annualized Return+8.81%
Volatility+5.15%
Sharpe Ratio1.32
Max Drawdown+8.45%

Holdings

Asset Allocation

Asset Class

Bonds 46.0%Equity 45.0%Money Market 9.0%
Holdings Details
Diversified portfolio with 45% global equities, 37% bonds, and money market funds for balanced growth and income across sectors.
AssetTypeAllocationTER
LU1673806201
DWS Floating Rate Notes TFCLU1673806201
FUND
10.0%0.3%
ES0138045002
Caixabank Monetario Rendimiento Estándar FIES0138045002
FUND
9.0%0.15%
ES0110057025
Caixabank Multisalud Cartera FIES0110057025
FUND
9.0%1.75%
IE00B55JMJ98
Dodge & Cox Worldwide Global Stock Fund EUR Accumulating ClassIE00B55JMJ98
FUND
9.0%0.63%
LU0966596875
DPAM L - Bonds Emerging Markets Sustainable W EURLU0966596875
FUND
9.0%0.65%
IE00BKX8G809
FTGF ClearBridge Infrastructure Value Fund Class U Euro AccumulatingIE00BKX8G809
FUND
9.0%0.85%
LU1698129266
Goldman Sachs Global CORE Equity Portfolio R Acc EUR SnapLU1698129266
FUND
9.0%1.75%
LU1984712593
Janus Henderson Horizon Global Smaller Companies Fund H2 EUR AccLU1984712593
FUND
9.0%1.08%
IE00BFZMJT78
NB ULTRA SHORT TERM EN CASHIE00BFZMJT78
FUND
9.0%0.25%
IE00B81TMV64
Algebris Financial CreditIE00B81TMV64
FUND
9.0%0.75%
LU1585265819
Tikehau Short Duration Fund I EUR AccLU1585265819
FUND
9.0%0.6%
Total100.0%0.79%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €13,075.86
Histogram of Monthly Returns
The portfolio had a positive return during 28 of the 40 months (70%)
Monthly Returns Heatmap
Best month: +3.3% • Worst month: -3.3% • Best year: 2024 (+10.3%) • Worst year: 2023 (+4.6%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.4%+2.1%-3.3%+3.0%+1.5%+1.8%+0.1%+0.2%-0.3%---+6.5%
2025+2.3%-0.1%-3.0%-1.7%+2.6%+0.1%+1.6%+0.8%+0.9%+1.8%+1.1%+0.1%+6.4%
2024+1.1%+1.4%+2.4%-1.2%+1.5%+0.5%+1.9%+0.4%+0.6%-0.1%+2.9%-1.4%+10.3%
2023-----+0.0%+1.7%-0.6%-0.6%-1.9%+3.3%+2.7%+4.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +8.45% • The longest drawdown period lasted for 7 months and was between February 2025 and September 2025. It reached a trough of -8.4%.
When could this portfolio get you to financial independence?

CaixaBank returned +8.81% a year over the 3 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.

Detailed Metrics

Returns
Total Return
+30.76%
Annualized Return
+8.81%
Avg Monthly Return
+0.68%
Risk
Volatility (Annual)
+5.15%
Max Drawdown
+8.45%
Positive Months
70%
Average Drawdown
-1.2%
Risk-Adjusted
Sharpe Ratio
1.32
Risk-free rate: 2.0%
Sortino Ratio
1.21
Downside risk adjusted
Return/Volatility
1.71
Calmar Ratio
1.04
Return/Max Drawdown
Ulcer Index
1.68
Drawdown depth & duration
Martin Ratio
0.04
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
13,075.86
Backtest Period
2023-06-30 to 2026-09-02
3.2 years
Rebalancing
none
Base Currency
EUR