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Monthly Rebalancing

EUR

Moderate Risk

3.3yr backtest

Performance Summary

Total Return+100.83%

Annualized Return+23.71%

Volatility+13.17%

Sharpe Ratio1.65

Max Drawdown+20.82%

Holdings

Asset Allocation

Asset Class

Equity 100.0%

Holdings Details

Global equity ETF portfolio for diversified growth, covering US tech, European stocks, world dividends, and emerging Asia markets.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
SPYI.XETRA SPDR MSCI All Country World Investable Market UCITS ETF (Acc) • IE00B3YLTY66	IE00B3YLTY66	Acc	ETF	30.0%	0.17%
TDIV.AS VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594	NL0011683594	Dist	ETF	20.0%	0.38%
ANAV.XETRA AXA IM NASDAQ 100 UCITS ETF USD Acc • IE000QDFFK00	IE000QDFFK00	Acc	ETF	15.0%	0.14%
SEC0.XETRA iShares MSCI Global Semiconductors UCITS ETF USD (Acc) • IE000I8KRLL9	IE000I8KRLL9	Acc	ETF	10.0%	0.35%
XSX7.XETRA Xtrackers Stoxx Europe 600 UCITS ETF 1D • LU2581375156	LU2581375156	Dist	ETF	10.0%	0.07%
VGWD.XETRA Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10	IE00B8GKDB10	Dist	ETF	10.0%	0.29%
CEBL.XETRA iShares MSCI EM Asia UCITS ETF (Acc) • IE00B5L8K969	IE00B5L8K969	Acc	ETF	5.0%	0.2%
Total		Total			100.0%	0.23%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €20,083.2

Histogram of Monthly Returns

The portfolio had a positive return during 27 of the 40 months (68%)

Monthly Returns Heatmap

Best month: +10.2% • Worst month: -6.5% • Best year: 2026 (+22.0%) • Worst year: 2023 (+16.6%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+4.0%	+3.0%	-5.0%	+10.2%	+7.3%	+1.5%	-	-	-	-	-	-	+22.0%
2025	+4.6%	-0.7%	-6.5%	-3.9%	+6.6%	+1.8%	+3.9%	+0.3%	+3.6%	+5.4%	+0.0%	+1.5%	+16.9%
2024	+2.4%	+3.4%	+4.2%	-1.6%	+2.2%	+3.8%	-0.1%	-0.8%	+1.8%	-0.2%	+4.7%	-0.3%	+20.8%
2023	-	-	+3.5%	-0.5%	+3.0%	+3.7%	+3.1%	-3.0%	-1.1%	-3.9%	+6.3%	+4.9%	+16.6%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +20.82% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -20.8%.

Dividend Income

Summary

This portfolio contains 3 distributing ETFs (40.0% of total allocation)

Total Dividends Received

€676.28

38 payments

Dividend Yield

1.50%

(annualized)

Avg Per Payment

€17.80

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	€121.53	0.67%	6
2025	€199.45	1.35%	12
2024	€196.50	1.50%	12
2023	€158.77	1.47%	8
Total	€676.28	1.50%	38

Detailed Metrics

Returns

Total Return

+100.83%

Annualized Return

+23.71%

Avg Monthly Return

+1.82%

Risk

Volatility (Annual)

+13.17%

Max Drawdown

+20.82%

Positive Months

68%

Average Drawdown

-2.7%

Risk-Adjusted

Sharpe Ratio

1.65

Risk-free rate: 2.0%

Sortino Ratio

1.56

Downside risk adjusted

Return/Volatility

1.80

Calmar Ratio

1.14

Return/Max Drawdown

Ulcer Index

3.69

Drawdown depth & duration

Martin Ratio

0.06

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€20,083.2

Backtest Period

2023-03-17 to 2026-06-26
3.3 years

Rebalancing

monthly

Base Currency

EUR