HomePortfoliosCARTERA PERMANENTE BALANCEADA

CARTERA PERMANENTE BALANCEADA

EMU

Optimize
Annual Rebalancing
EUR
Low Risk
2.7yr backtest

Performance Summary

Total Return+35.12%
Annualized Return+11.57%
Volatility+6.79%
Sharpe Ratio1.41
Max Drawdown+7.49%

Holdings

Asset Allocation

Asset Class

Bonds 50.0%Precious Metals 25.0%Equity 25.0%
Holdings Details
Balanced permanent portfolio in EUR with diversified ETF holdings and annual rebalancing for stable, long-term wealth preservation across multiple asset classes
AssetTypeAllocationTER
PJSR.XETRA
PIMCO Euro Short Maturity UCITS ETF AccIE00BVZ6SP04
ETF
25.0%0.19%
GZUR.XETRA
WisdomTree Physical Swiss GoldJE00B588CD74
ETF
25.0%0.15%
IUSK.XETRA
iShares MSCI Europe SRI UCITS ETF (Acc)IE00B52VJ196
ETF
18.5%0.2%
IBCM.XETRA
iShares Euro Government Bond 7-10yr UCITS ETF EUR (Dist)IE00B1FZS806
ETF
12.0%0.15%
IBCL.XETRA
iShares Euro Government Bond 15-30yr UCITS ETF (Dist)IE00B1FZS913
ETF
10.0%0.15%
SXRJ.XETRA
iShares MSCI EMU Small Cap UCITS ETF (Acc)IE00B3VWMM18
ETF
6.5%0.58%
EUNH.XETRA
iShares Core Euro Government Bond UCITS ETF (Dist)IE00B4WXJJ64
ETF
3.0%0.07%
Total100.0%0.19%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €13,512.09
Histogram of Monthly Returns
The portfolio had a positive return during 27 of the 34 months (79%)
Monthly Returns Heatmap
Best month: +3.7% • Worst month: -5.7% • Best year: 2025 (+14.9%) • Worst year: 2026 (+1.6%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.7%+2.9%-5.7%+0.9%--------+1.6%
2025+3.3%+0.8%-0.3%+1.3%+1.1%-1.4%+0.6%+0.2%+3.5%+2.4%+1.4%+1.2%+14.9%
2024+0.5%+0.2%+3.5%+0.3%+1.1%-0.0%+1.8%+0.8%+1.5%+0.5%+1.1%-1.1%+10.6%
2023------+0.8%-0.5%-2.3%+1.3%+2.9%+2.5%+4.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +7.49% • The longest drawdown period lasted for 3 months and was between August 2023 and November 2023. It reached a trough of -3.8%.

Dividend Income

Summary
This portfolio contains 3 distributing ETFs (25.0% of total allocation)

Total Dividends Received

194.59

16 payments

Dividend Yield

0.61%

(annualized)

Avg Per Payment

12.16

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
20265.10
202585.70
202472.32
202331.47
Total194.59

Detailed Metrics

Returns
Total Return
+35.12%
Annualized Return
+11.57%
Avg Monthly Return
+0.91%
Risk
Volatility (Annual)
+6.79%
Max Drawdown
+7.49%
Positive Months
79%
Average Drawdown
-1.2%
Risk-Adjusted
Sharpe Ratio
1.41
Risk-free rate: 2.0%
Sortino Ratio
1.35
Downside risk adjusted
Return/Volatility
1.70
Calmar Ratio
1.54
Return/Max Drawdown
Ulcer Index
1.46
Drawdown depth & duration
Martin Ratio
0.07
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
13,512.09
Backtest Period
2023-07-03 to 2026-04-02
2.7 years
Rebalancing
annual
Base Currency
EUR