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Casa 2

Casa 2

Created byuser-7mmgwf
Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
7.1yr backtest

Performance Summary

Total Return+116.72%
Annualized Return+11.49%
Volatility+12.43%
Sharpe Ratio0.76
Max Drawdown+25.76%

Holdings

Asset Allocation

Asset Class

Equity 75.0%Bonds 15.0%Precious Metals 10.0%
Holdings Details
Diversified ETF portfolio with global stocks, Euro bonds, gold, and emerging markets for balanced long-term growth in EUR.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
65.0%0.19%
SYB3.XETRA
State Street SPDR Bloomberg 1-3 Year Euro Government Bond UCITS ETF EUR • IE00B6YX5F63
ETF
15.0%0.15%
EGLN.LSE
iShares Physical Gold ETC • IE00B4ND3602
ETF
10.0%0.12%
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66
ETF
10.0%0.18%
Total100.0%0.18%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €21,671.83
Histogram of Monthly Returns
The portfolio had a positive return during 58 of the 87 months (67%)
Monthly Returns Heatmap
Best month: +7.3% • Worst month: -8.5% • Best year: 2024 (+22.3%) • Worst year: 2022 (-10.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.6%+2.6%-6.1%+6.6%+4.8%-0.4%-1.7%+3.5%+0.3%---+13.3%
2025+4.1%-1.4%-4.6%-2.8%+4.4%+0.5%+4.0%+0.1%+4.0%+4.3%+0.2%+0.5%+13.4%
2024+2.0%+2.9%+3.7%-0.6%+0.7%+4.0%+0.6%-0.2%+2.2%+1.2%+4.8%-0.8%+22.3%
2023+4.5%-0.8%+0.9%-0.3%+2.0%+2.1%+2.5%-1.0%-1.3%-2.0%+4.4%+3.0%+14.5%
2022-3.2%-1.3%+2.9%-1.4%-3.0%-4.5%+6.5%-1.2%-5.1%+1.8%+2.0%-4.2%-10.8%
2021+1.0%+1.3%+4.2%+1.0%+0.5%+2.9%+0.3%+2.1%-1.4%+3.2%+0.3%+2.9%+19.9%
2020-0.4%-5.8%-8.5%+7.3%+1.3%+2.4%+0.8%+3.5%-0.8%-1.1%+5.5%+2.2%+5.6%
2019------+0.0%-0.7%+2.1%+0.2%+2.6%+2.3%+6.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +25.76% • The longest drawdown period lasted for 2 years and was between November 2021 and December 2023. It reached a trough of -12.2%.
When could this portfolio get you to financial independence?

Casa 2 returned +11.49% 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 (15.0% of total allocation)

Total Dividends Received

€61.21

4 payments

Dividend Yield

0.06%

(annualized)

Avg Per Payment

€15.30

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€33.38
2025€27.83
Total€61.21

Detailed Metrics

Returns
Total Return
+116.72%
Annualized Return
+11.49%
Avg Monthly Return
+0.94%
Risk
Volatility (Annual)
+12.43%
Max Drawdown
+25.76%
Positive Months
67%
Average Drawdown
-4.0%
Risk-Adjusted
Sharpe Ratio
0.76
Risk-free rate: 2.0%
Sortino Ratio
0.69
Downside risk adjusted
Return/Volatility
0.92
Calmar Ratio
0.45
Return/Max Drawdown
Ulcer Index
5.27
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€21,671.83
Backtest Period
2019-07-25 to 2026-09-04
7.1 years
Rebalancing
none
Base Currency
EUR