Home PortfoliosCashFlowMindset Stability

CashFlowMindset Stability

Created byuser-xwe79g

Quarterly Rebalancing

EUR

Low Risk

Multi-currency

0.5yr backtest

Performance Summary

Total Return+6.47%

Annualized Return+13.89%

Volatility+8.06%

Sharpe Ratio1.48

Max Drawdown+4.93%

Holdings

Asset Allocation

Asset Class

Equity 65.0%Bonds 20.0%Commodities 5.0%Real Estate 5.0%Precious Metals 5.0%

Holdings Details

Diversified global ETF portfolio blending 65% equities, 20% bonds, and 15% alternatives like commodities and real estate for balanced growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
SPSA.XETRA State Street SPDR MSCI All Country World Investable Market UCITS ETF USD Unhedged (Dist) • IE000DD75KQ5	IE000DD75KQ5	Dist	ETF	30.0%	0.17%
LDGL.XETRA L&G Global Quality Dividends UCITS ETF USD Dist • IE0005AJA0P1	IE0005AJA0P1	Dist	ETF	25.0%	0.29%
VAGE.XETRA Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Distributing • IE00BG47KB92	IE00BG47KB92	Dist	ETF	20.0%	0.08%
ASWN.XETRA HANetf Infrastructure Capital Preferred Income UCITS ETF (Dist) • IE0008LRGGP4	IE0008LRGGP4	Dist	ETF	5.0%	0.8%
WCOG.LSE WisdomTree Enhanced Commodity UCITS ETF USD • IE00BZ1GHD37	IE00BZ1GHD37	Dist	ETF	5.0%	0.35%
TRET.XETRA VanEck Global Real Estate UCITS ETF • NL0009690239	NL0009690239	Dist	ETF	5.0%	0.25%
ZPRI.XETRA State Street SPDR Morningstar Multi-Asset Global Infrastructure UCITS ETF USD • IE00BQWJFQ70	IE00BQWJFQ70	Dist	ETF	5.0%	0.4%
YGLD.XETRA IncomeShares Gold + Yield ETP • XS2852999775	XS2852999775	Dist	ETF	3.0%	0.65%
YSLV.XETRA IncomeShares Silver+ Yield ETP • XS3068774614	XS3068774614	Dist	ETF	2.0%	0.65%
Total		Total			100.0%	0.26%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €10,646.84

Histogram of Monthly Returns

The portfolio had a positive return during 5 of the 7 months (71%)

Monthly Returns Heatmap

Best month: +4.0% • Worst month: -3.8% • Best year: 2026 (+6.4%) • Worst year: 2026 (+6.4%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	-0.8%	+3.7%	-3.8%	+4.0%	+2.3%	+0.5%	+0.5%	-	-	-	-	-	+6.4%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +4.93% • The longest drawdown period lasted for 1 month and was between March 2026 and April 2026. It reached a trough of -4.9%.

Dividend Income

Summary

This portfolio contains 9 distributing ETFs (100.0% of total allocation)

Total Dividends Received

€142.74

25 payments

Dividend Yield

2.88%

(annualized)

Avg Per Payment

€5.71

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	€142.73	1.39%	25
Total	€142.74	2.88%	25

Detailed Metrics

Returns

Total Return

+6.47%

Annualized Return

+13.89%

Avg Monthly Return

+0.93%

Risk

Volatility (Annual)

+8.06%

Max Drawdown

+4.93%

Positive Months

71%

Average Drawdown

-1.1%

Risk-Adjusted

Sharpe Ratio

1.48

Risk-free rate: 2.0%

Sortino Ratio

1.57

Downside risk adjusted

Return/Volatility

1.72

Calmar Ratio

2.82

Return/Max Drawdown

Ulcer Index

1.47

Drawdown depth & duration

Martin Ratio

0.08

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€10,646.84

Backtest Period

2026-01-15 to 2026-07-10
0.5 years

Rebalancing

quarterly

Base Currency

EUR