HomePortfoliosCARTERA PERMANENTE EU-USA

CARTERA PERMANENTE EU-USA

Permanente EU-USA

Created byuser-u6btuh
Optimize FIRE Projection
Annual Rebalancing
EUR
Low Risk
6.6yr backtest

Performance Summary

Total Return+60.11%
Annualized Return+7.37%
Volatility+6.70%
Sharpe Ratio0.80
Max Drawdown+10.90%

Holdings

Asset Allocation

Asset Class

Money Market 25.0%Precious Metals 25.0%Bonds 25.0%Equity 25.0%
Holdings Details
Balanced EU-USA ETF portfolio with 25% gold and cash allocation, diversified bonds and equities, annual rebalancing for stability and growth.
AssetTypeAllocationTER
PJEU.XETRA
Invesco Euro Cash 3 Months UCITS ETF Acc • IE00B3BPCH51
ETF
25.0%0.09%
8PSG.F
Invesco Physical Gold ETC • IE00B579F325
ETF
25.0%0.12%
SXRQ.XETRA
iShares Euro Government Bond 7-10yr UCITS ETF (Acc) • IE00B3VTN290
ETF
12.5%0.15%
TRDE.XETRA
Invesco US Treasury Bond 7-10 Year UCITS ETF EUR Hedged Dist • IE00BF2FN869
ETF
12.5%0.1%
PRAZ.XETRA
Amundi Prime Eurozone UCITS ETF DR (C) • LU2089238112
ETF
8.8%0.05%
SXR8.XETRA
iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087
ETF
8.8%0.07%
ZPRE.XETRA
State Street SPDR MSCI EMU UCITS ETF EUR • IE00B910VR50
ETF
3.7%0.08%
ZPRV.XETRA
SPDR MSCI USA Small Cap Value Weighted UCITS ETF • IE00BSPLC413
ETF
3.7%0.3%
Total100.0%0.11%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €16,010.62
Histogram of Monthly Returns
The portfolio had a positive return during 56 of the 81 months (69%)
Monthly Returns Heatmap
Best month: +4.0% • Worst month: -4.9% • Best year: 2025 (+17.0%) • Worst year: 2022 (-5.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.0%+3.3%-4.9%+1.9%+0.8%-1.2%-1.0%+2.5%+0.3%---+4.5%
2025+3.7%+0.3%+0.1%+0.1%+1.1%-0.6%+1.6%+0.8%+4.0%+2.5%+1.4%+1.0%+17.0%
2024+0.9%+0.4%+3.5%+0.6%+0.6%+0.8%+1.7%+0.8%+1.8%+1.4%+1.3%-0.6%+14.0%
2023+3.5%-1.2%+2.1%+0.0%+0.7%-0.3%+0.9%-0.4%-1.9%+0.9%+2.7%+1.9%+9.1%
2022-1.4%+0.6%+0.1%-0.3%-1.6%-2.5%+3.2%-2.1%-2.8%+0.5%+2.0%-1.6%-5.8%
2021-0.0%-1.0%+2.1%+1.1%+1.6%-0.1%+1.5%+0.9%-1.7%+1.6%+1.0%+1.1%+8.4%
2020-0.2%-0.8%-4.0%+3.9%+0.7%+1.5%+1.9%+0.1%-0.8%-1.2%+1.0%+1.2%+3.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +10.90% • The longest drawdown period lasted for 2 years and was between November 2021 and November 2023. It reached a trough of -8.3%.
When could this portfolio get you to financial independence?

CARTERA PERMANENTE EU-USA returned +7.37% a year over the 7 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 (12.5% of total allocation)

Total Dividends Received

€288.23

26 payments

Dividend Yield

0.36%

(annualized)

Avg Per Payment

€11.09

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
2026€40.69
2025€70.95
2024€60.22
2023€45.32
2022€27.88
2021€19.97
2020€23.22
Total€288.23

Detailed Metrics

Returns
Total Return
+60.11%
Annualized Return
+7.37%
Avg Monthly Return
+0.60%
Risk
Volatility (Annual)
+6.70%
Max Drawdown
+10.90%
Positive Months
69%
Average Drawdown
-2.2%
Risk-Adjusted
Sharpe Ratio
0.80
Risk-free rate: 2.0%
Sortino Ratio
0.76
Downside risk adjusted
Return/Volatility
1.10
Calmar Ratio
0.68
Return/Max Drawdown
Ulcer Index
2.76
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€16,010.62
Backtest Period
2020-01-22 to 2026-09-04
6.6 years
Rebalancing
annual
Base Currency
EUR