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Chet

Created byuser-vy5ujm

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None Rebalancing

EUR

Moderate Risk

Multi-currency

10.9yr backtest

Performance Summary

Total Return+191.06%

Annualized Return+10.31%

Volatility+12.62%

Sharpe Ratio0.66

Max Drawdown+27.67%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Precious Metals 15.0%Bonds 5.0%

Holdings Details

A diversified ETF portfolio blending global stocks, gold, value & momentum factors, and short-term bonds for balanced growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
MXWS.LSE Invesco MSCI World UCITS ETF Acc • IE00B60SX394	IE00B60SX394	Acc	ETF	55.0%	0.05%
SGLD.LSE Invesco Physical Gold ETC • IE00B579F325	IE00B579F325	Acc	ETC	15.0%	0.12%
IWFV.LSE iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59	IE00BP3QZB59	Acc	ETF	15.0%	0.25%
IWMO.LSE iShares Edge MSCI World Momentum Factor UCITS ETF (Acc) • IE00BP3QZ825	IE00BP3QZ825	Acc	ETF	10.0%	0.25%
ERNS.LSE iShares GBP Ultrashort Bond UCITS ETF (Dist) • IE00BCRY6441	IE00BCRY6441	Dist	ETF	5.0%	0.09%
Total		Total			100.0%	0.11%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €29,105.52

Histogram of Monthly Returns

The portfolio had a positive return during 84 of the 132 months (64%)

Monthly Returns Heatmap

Best month: +8.5% • Worst month: -9.1% • Best year: 2019 (+27.4%) • Worst year: 2022 (-9.3%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+3.5%	+2.8%	-6.5%	+7.9%	-	-	-	-	-	-	-	-	+7.4%
2025	+4.3%	-1.2%	-5.7%	-2.6%	+4.9%	-0.3%	+3.7%	+0.8%	+4.0%	+4.2%	+0.8%	+0.8%	+14.2%
2024	+3.4%	+3.3%	+4.7%	-1.2%	+1.3%	+3.9%	+0.5%	-0.3%	+1.6%	+1.8%	+5.9%	-0.4%	+27.0%
2023	+3.8%	-0.2%	+0.7%	+0.2%	+1.7%	+2.6%	+2.3%	-0.4%	-1.4%	-1.9%	+4.5%	+3.5%	+16.3%
2022	-4.1%	-0.2%	+4.4%	-2.2%	-3.3%	-5.1%	+7.2%	-1.4%	-4.6%	+3.8%	+0.8%	-4.1%	-9.3%
2021	+0.3%	+1.5%	+5.4%	+1.6%	+0.9%	+2.5%	+1.5%	+2.4%	-1.2%	+4.2%	+0.4%	+3.2%	+25.1%
2020	+1.3%	-7.2%	-9.1%	+8.5%	+3.1%	+0.9%	-0.1%	+5.0%	-1.6%	-2.4%	+6.2%	+2.8%	+6.0%
2019	+6.7%	+3.3%	+2.0%	+2.5%	-4.0%	+4.2%	+3.5%	-0.7%	+2.0%	+1.2%	+2.9%	+1.2%	+27.4%
2018	+1.4%	-1.6%	-3.3%	+3.7%	+3.0%	-0.4%	+1.4%	+1.3%	+0.9%	-4.0%	+0.3%	-6.2%	-4.0%
2017	+0.4%	+3.5%	+1.0%	-0.8%	-1.7%	-1.0%	-1.1%	+0.1%	+1.8%	+3.8%	-0.4%	+1.0%	+6.6%
2016	-3.9%	-0.2%	+0.9%	+3.9%	-0.0%	+0.8%	+3.5%	-1.0%	+0.3%	+0.3%	+3.7%	+2.4%	+10.9%
2015	-	-	-	-	-1.0%	-1.9%	-0.1%	-8.4%	-1.6%	+7.4%	+1.2%	-2.9%	-7.6%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +27.67% • The longest drawdown period lasted for 1 year and 6 months and was between January 2022 and July 2023. It reached a trough of -12.8%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (5.0% of total allocation)

Total Dividends Received

€99.44

23 payments

Dividend Yield

0.06%

(annualized)

Avg Per Payment

€4.32

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	€5.15	0.02%	1
2025	€22.78	0.09%	2
2024	€25.92	0.12%	2
2023	€20.04	0.12%	2
2022	€4.86	0.03%	2
2021	€1.21	0.01%	2
2020	€3.05	0.02%	2
2019	€4.34	0.04%	2
2018	€2.99	0.03%	2
2017	€2.12	0.02%	2
2016	€3.46	0.04%	2
2015	€3.53	0.04%	2
Total	€99.44	0.06%	23

Detailed Metrics

Returns

Total Return

+191.06%

Annualized Return

+10.31%

Avg Monthly Return

+0.86%

Risk

Volatility (Annual)

+12.62%

Max Drawdown

+27.67%

Positive Months

64%

Average Drawdown

-4.3%

Risk-Adjusted

Sharpe Ratio

0.66

Risk-free rate: 2.0%

Sortino Ratio

0.60

Downside risk adjusted

Return/Volatility

0.82

Calmar Ratio

0.37

Return/Max Drawdown

Ulcer Index

5.51

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€29,105.52

Backtest Period

2015-05-27 to 2026-04-17
10.9 years

Rebalancing

none

Base Currency

EUR