HomePortfoliosCARTERA PERMANENTE

CARTERA PERMANENTE

Cartera permanente con small caps VALUE Y BONOS 7-10Y

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Annual Rebalancing
EUR
Low Risk
6.8yr backtest

Performance Summary

Total Return+65.60%
Annualized Return+7.64%
Volatility+6.43%
Sharpe Ratio0.88
Max Drawdown+12.98%

Holdings

Asset Allocation

Asset Class

Money Market 25.0%Precious Metals 25.0%Bonds 25.0%Equity 25.0%
Holdings Details
Diversified permanent portfolio with European equities, government bonds, gold, and cash. Annual rebalancing strategy for stable long-term wealth preservation.
AssetTypeAllocationTER
PJEU.XETRA
Invesco Euro Cash 3 Months UCITS ETF AccIE00B3BPCH51
ETF
25.0%0.09%
GOLD.PA
Amundi Physical Gold ETC (C)FR0013416716
ETF
25.0%0.12%
SXRQ.XETRA
iShares Euro Government Bond 7-10yr UCITS ETF (Acc)IE00B3VTN290
ETF
25.0%0.15%
LYP6.XETRA
Amundi Core Stoxx Europe 600 UCITS ETF AccLU0908500753
ETF
17.5%0.07%
ZPRX.XETRA
SPDR MSCI Europe Small Cap Value Weighted UCITS ETFIE00BSPLC298
ETF
7.5%0.3%
Total100.0%0.12%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €16,559.91
Histogram of Monthly Returns
The portfolio had a positive return during 59 of the 84 months (70%)
Monthly Returns Heatmap
Best month: +4.7% • Worst month: -5.5% • Best year: 2025 (+18.1%) • Worst year: 2022 (-6.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+4.7%+2.8%-5.5%+0.9%--------+2.6%
2025+3.6%+1.5%+0.2%+0.9%+1.3%-1.1%+1.0%+0.8%+3.4%+2.5%+1.7%+1.0%+18.1%
2024+0.3%+0.0%+3.6%+0.7%+1.1%-0.1%+2.1%+0.7%+1.7%+0.7%+0.9%-0.6%+11.4%
2023+3.6%-0.8%+1.7%+0.4%+0.1%-0.8%+1.1%-0.4%-1.7%+1.0%+2.4%+2.3%+9.3%
2022-1.2%+0.1%+0.4%-0.2%-2.0%-2.5%+2.8%-2.9%-2.8%+0.7%+2.9%-1.7%-6.4%
2021-0.5%-1.1%+2.4%+0.6%+2.2%-0.9%+1.7%+0.5%-1.5%+1.1%+0.1%+1.8%+6.5%
2020+1.4%-1.8%-4.3%+3.3%+0.8%+1.4%+1.5%+0.1%-0.6%-0.8%+1.0%+1.9%+3.8%
2019----+0.2%+3.0%+1.3%+2.4%-0.1%+0.3%-0.1%+1.2%+8.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +12.98% • The longest drawdown period lasted for 2 years and was between November 2021 and December 2023. It reached a trough of -9.7%.

Detailed Metrics

Returns
Total Return
+65.60%
Annualized Return
+7.64%
Avg Monthly Return
+0.62%
Risk
Volatility (Annual)
+6.43%
Max Drawdown
+12.98%
Positive Months
70%
Average Drawdown
-2.3%
Risk-Adjusted
Sharpe Ratio
0.88
Risk-free rate: 2.0%
Sortino Ratio
0.81
Downside risk adjusted
Return/Volatility
1.19
Calmar Ratio
0.59
Return/Max Drawdown
Ulcer Index
2.94
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
16,559.91
Backtest Period
2019-05-28 to 2026-04-02
6.8 years
Rebalancing
annual
Base Currency
EUR