HomePortfoliosCARTERA PERMANENTE BONOS 15-30Y

CARTERA PERMANENTE BONOS 15-30Y

BONOS 15-30YRS

Optimize
Annual Rebalancing
EUR
Low Risk
16.9yr backtest

Performance Summary

Total Return+185.34%
Annualized Return+6.40%
Volatility+6.16%
Sharpe Ratio0.71
Max Drawdown+13.43%

Holdings

Asset Allocation

Asset Class

Bonds 25.0%Money Market 25.0%Precious Metals 25.0%Equity 25.0%
Holdings Details
Diversified EUR portfolio blending government bonds, gold, and European equities with annual rebalancing for stable long-term wealth preservation.
AssetTypeAllocationTER
LYQ6.XETRA
Amundi Euro Government Bond 10-15Y UCITS ETF AccLU1650489385
ETF
25.0%0.15%
PJEU.XETRA
Invesco Euro Cash 3 Months UCITS ETF AccIE00B3BPCH51
ETF
25.0%0.09%
PHAU.AS
WisdomTree Physical Gold EURJE00B1VS3770
ETF
25.0%0.39%
XSX6.XETRA
Xtrackers STOXX Europe 600 UCITS ETF 1CLU0328475792
ETF
17.5%0.2%
XXSC.XETRA
Xtrackers MSCI Europe Small Cap UCITS ETF 1CLU0322253906
ETF
7.5%0.3%
Total100.0%0.21%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €28,534.08
Histogram of Monthly Returns
The portfolio had a positive return during 129 of the 204 months (63%)
Monthly Returns Heatmap
Best month: +6.5% • Worst month: -5.6% • Best year: 2025 (+17.0%) • Worst year: 2022 (-8.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+4.6%+2.9%-5.6%+0.9%--------+2.6%
2025+3.5%+1.3%-0.2%+1.0%+1.3%-1.1%+1.0%+0.5%+3.5%+2.6%+1.6%+0.9%+17.0%
2024+0.3%+0.1%+3.7%+0.6%+1.0%-0.0%+2.1%+0.7%+1.6%+0.8%+1.0%-0.9%+11.4%
2023+3.6%-1.0%+2.0%+0.2%+0.2%-0.7%+1.0%-0.5%-2.1%+0.9%+2.8%+2.6%+9.3%
2022-1.7%-0.2%+0.4%-0.6%-2.4%-2.6%+3.1%-3.3%-3.0%+0.6%+3.1%-2.0%-8.5%
2021-0.7%-1.6%+2.2%+0.5%+2.1%-0.7%+2.0%+0.5%-1.7%+1.2%+0.2%+1.7%+5.8%
2020+1.8%-1.6%-4.3%+3.3%+0.9%+1.4%+1.8%+0.1%-0.3%-0.8%+0.8%+2.0%+4.9%
2019+3.0%+0.9%+1.2%+0.8%-0.6%+3.4%+1.5%+2.6%-0.1%+0.3%-0.0%+1.1%+15.2%
2018+0.1%-0.8%+0.1%+1.2%+0.2%-0.9%-0.0%-1.0%-0.3%-0.6%-0.1%-0.2%-2.5%
2017-0.3%+2.6%+0.2%+0.8%-0.2%-1.7%-0.2%+0.8%+0.4%+0.8%-0.7%+0.3%+2.9%
2016+0.1%+2.6%-0.6%+0.9%+0.2%+1.5%+1.8%-0.7%+0.3%-1.6%-1.6%+1.3%+4.2%
2015+6.5%+1.1%+1.3%-1.6%+0.7%-2.9%+0.5%-2.1%-0.8%+3.4%+0.3%-2.3%+3.9%
2014+2.0%+2.8%-0.5%+0.6%+0.5%+1.6%-0.1%+1.8%-0.5%-1.0%+2.0%+1.2%+10.7%
2013+0.1%+0.1%+1.3%-0.9%-0.7%-4.8%+2.8%+1.3%+0.0%+1.6%-0.6%-0.9%-0.7%
2012+4.4%+1.2%-0.6%-0.4%-0.9%+0.6%+2.8%+1.0%+2.0%-0.3%+0.9%-0.4%+10.7%
2011-1.8%+1.7%-1.1%+1.6%+0.9%-1.8%+1.5%+1.4%-2.7%+1.5%-0.1%-0.5%+0.3%
2010+0.3%+1.6%+2.4%+1.3%+2.6%-0.0%-1.7%+2.7%-0.1%+0.9%+1.4%+1.4%+13.4%
2009----+0.9%-0.7%+2.3%+2.6%+1.9%-0.4%+3.2%+0.8%+11.0%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +13.43% • The longest drawdown period lasted for 2 years and 3 months and was between November 2021 and March 2024. It reached a trough of -11.6%.

Detailed Metrics

Returns
Total Return
+185.34%
Annualized Return
+6.40%
Avg Monthly Return
+0.53%
Risk
Volatility (Annual)
+6.16%
Max Drawdown
+13.43%
Positive Months
63%
Average Drawdown
-2.4%
Risk-Adjusted
Sharpe Ratio
0.71
Risk-free rate: 2.0%
Sortino Ratio
0.68
Downside risk adjusted
Return/Volatility
1.04
Calmar Ratio
0.48
Return/Max Drawdown
Ulcer Index
3.10
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
28,534.08
Backtest Period
2009-05-04 to 2026-04-02
16.9 years
Rebalancing
annual
Base Currency
EUR