CARTERA PERMANENTE EU-USA

Permanente EU-USA

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.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
PJEU.XETRA Invesco Euro Cash 3 Months UCITS ETF Acc • IE00B3BPCH51	IE00B3BPCH51	Acc	ETF	25.0%	0.09%
8PSG.F Invesco Physical Gold ETC • IE00B579F325	IE00B579F325	Acc	ETF	25.0%	0.12%
SXRQ.XETRA iShares Euro Government Bond 7-10yr UCITS ETF (Acc) • IE00B3VTN290	IE00B3VTN290	Acc	ETF	12.5%	0.15%
TRDE.XETRA Invesco US Treasury Bond 7-10 Year UCITS ETF EUR Hedged Dist • IE00BF2FN869	IE00BF2FN869	Dist	ETF	12.5%	0.1%
PRAZ.XETRA Amundi Prime Eurozone UCITS ETF DR (C) • LU2089238112	LU2089238112	Acc	ETF	8.8%	0.05%
SXR8.XETRA iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087	IE00B5BMR087	Acc	ETF	8.8%	0.07%
ZPRE.XETRA State Street SPDR MSCI EMU UCITS ETF EUR • IE00B910VR50	IE00B910VR50	Acc	ETF	3.7%	0.08%
ZPRV.XETRA SPDR MSCI USA Small Cap Value Weighted UCITS ETF • IE00BSPLC413	IE00BSPLC413	Acc	ETF	3.7%	0.3%
Total		Total			100.0%	0.11%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €15,558.49

Histogram of Monthly Returns

The portfolio had a positive return during 55 of the 76 months (72%)

Monthly Returns Heatmap

Best month: +4.0% • Worst month: -4.9% • Best year: 2025 (+17.1%) • Worst year: 2022 (-6.4%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+3.0%	+3.2%	-4.9%	+0.5%	-	-	-	-	-	-	-	-	+1.7%
2025	+4.0%	+0.5%	-0.5%	+0.4%	+1.0%	-0.4%	+1.6%	+0.7%	+3.6%	+2.9%	+1.4%	+1.0%	+17.1%
2024	+1.0%	+0.7%	+3.3%	+0.2%	+0.8%	+0.8%	+1.5%	+1.2%	+1.6%	+1.2%	+1.5%	-0.8%	+13.9%
2023	+3.6%	-0.9%	+1.7%	+0.1%	+0.9%	-0.3%	+0.7%	+0.1%	-2.0%	+0.5%	+2.6%	+2.1%	+9.3%
2022	-1.6%	+0.1%	+0.9%	-0.9%	-1.5%	-2.4%	+3.3%	-2.1%	-2.5%	+0.3%	+2.1%	-2.0%	-6.4%
2021	-0.1%	-1.0%	+2.5%	+1.0%	+1.5%	+0.1%	+1.1%	+1.0%	-1.5%	+1.9%	+0.5%	+1.5%	+8.6%
2020	+0.2%	-1.3%	-4.1%	+4.0%	+1.1%	+0.8%	+1.9%	+0.2%	-0.2%	-1.5%	+1.0%	+1.3%	+3.2%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +11.06% • The longest drawdown period lasted for 2 years and was between November 2021 and November 2023. It reached a trough of -8.6%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (12.5% of total allocation)

Total Dividends Received

€267.95

25 payments

Dividend Yield

0.37%

(annualized)

Avg Per Payment

€10.72

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
2026	€20.00	0.13%	1
2025	€71.15	0.51%	4
2024	€60.40	0.49%	4
2023	€45.16	0.41%	4
2022	€27.98	0.26%	4
2021	€20.03	0.19%	4
2020	€23.22	0.23%	4
Total	€267.95	0.37%	25

Detailed Metrics

Returns

Total Return

+55.58%

Annualized Return

+7.40%

Avg Monthly Return

+0.60%

Risk

Volatility (Annual)

+7.31%

Max Drawdown

+11.06%

Positive Months

72%

Average Drawdown

-2.2%

Risk-Adjusted

Sharpe Ratio

0.74

Risk-free rate: 2.0%

Sortino Ratio

0.72

Downside risk adjusted

Return/Volatility

1.01

Calmar Ratio

0.67

Return/Max Drawdown

Ulcer Index

2.73

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€15,558.49

Backtest Period

2020-01-22 to 2026-04-02
6.2 years

Rebalancing

annual

Base Currency

EUR

Performance Summary

Holdings

Performance

Dividend Income

Detailed Metrics