HomePortfoliosCartera Pasiva Sandra

Cartera Pasiva Sandra

Optimize FIRE Projection
Annual Rebalancing
EUR
Moderate Risk
12.5yr backtest

Performance Summary

Total Return+223.91%
Annualized Return+9.85%
Volatility+14.53%
Sharpe Ratio0.54
Max Drawdown+31.97%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
Growth-focused equity portfolio with 34% global developed markets and 66% emerging markets exposure via low-cost Vanguard index funds.
AssetTypeAllocationTER
IE00B03HD191
Vanguard Global Stock Index Fund EUR AccIE00B03HD191
FUND
34.0%0.18%
IE0031786142
Vanguard Emerging Markets Stock Index Fund Investor EUR AccumulationIE0031786142
FUND
33.0%0.25%
IE0031786696
Vanguard Emerging Markets Stock Index Fund EUR AccIE0031786696
FUND
33.0%0.08%
Total100.0%0.17%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €32,390.78
Histogram of Monthly Returns
The portfolio had a positive return during 97 of the 152 months (64%)
Monthly Returns Heatmap
Best month: +10.9% • Worst month: -14.6% • Best year: 2019 (+23.5%) • Worst year: 2022 (-14.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+5.2%+4.7%-8.6%+10.9%+8.6%+0.7%-2.5%+2.1%-0.5%---+21.0%
2025+2.0%+0.1%-4.8%-4.0%+4.9%+2.0%+4.4%-0.4%+5.4%+5.3%-2.1%+1.1%+13.9%
2024-1.0%+4.9%+2.8%+0.1%+0.4%+4.5%-0.2%-0.5%+4.0%-0.5%+2.1%+0.9%+18.8%
2023+5.8%-2.8%+0.6%-1.8%+2.0%+2.2%+4.1%-3.3%-0.8%-3.4%+5.0%+2.9%+10.3%
2022-1.6%-3.5%+0.8%-1.4%-1.2%-5.0%+5.0%+0.1%-8.5%-0.5%+7.4%-5.8%-14.3%
2021+2.4%+1.4%+3.1%+1.1%+0.4%+3.8%-3.7%+3.0%-2.5%+3.1%-0.9%+2.0%+13.6%
2020-2.1%-5.5%-14.6%+10.0%+0.7%+4.7%+2.1%+2.5%-0.3%+0.9%+7.5%+3.8%+7.6%
2019+7.6%+2.4%+1.9%+3.2%-6.2%+4.1%+1.7%-2.8%+3.0%+1.2%+2.1%+4.0%+23.5%
2018+3.0%-2.1%-2.9%+1.6%+1.3%-2.8%+2.7%-0.8%-0.3%-5.7%+3.2%-5.5%-8.4%
2017+1.9%+4.7%+1.4%+0.1%-0.6%-0.7%+1.4%+0.7%+1.0%+4.6%-1.5%+2.1%+16.0%
2016-5.9%-0.9%+5.9%+0.4%+0.4%+2.5%+4.0%+2.1%+0.1%+2.0%+0.5%+1.5%+12.9%
2015+7.0%+4.6%+2.9%+1.5%-0.4%-4.1%-3.2%-9.3%-2.9%+8.5%+1.8%-4.8%-0.1%
2014--0.6%+2.3%-0.1%+4.7%+2.1%+3.1%+3.8%-1.9%+1.8%+0.4%-0.7%+15.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +31.97% • The longest drawdown period lasted for 2 years and 5 months and was between November 2021 and May 2024. It reached a trough of -18.9%.
When could this portfolio get you to financial independence?

Cartera Pasiva Sandra returned +9.85% a year over the 13 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
+223.91%
Annualized Return
+9.85%
Avg Monthly Return
+0.85%
Risk
Volatility (Annual)
+14.53%
Max Drawdown
+31.97%
Positive Months
64%
Average Drawdown
-7.2%
Risk-Adjusted
Sharpe Ratio
0.54
Risk-free rate: 2.0%
Sortino Ratio
0.50
Downside risk adjusted
Return/Volatility
0.68
Calmar Ratio
0.31
Return/Max Drawdown
Ulcer Index
9.16
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
32,390.78
Backtest Period
2014-02-27 to 2026-09-03
12.5 years
Rebalancing
annual
Base Currency
EUR