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Daniel 1

Created byuser-fkpbba

Optimize FIRE Projection

Monthly Rebalancing

EUR

Moderate Risk

7.1yr backtest

Performance Summary

Total Return+103.35%

Annualized Return+10.46%

Volatility+12.88%

Sharpe Ratio0.66

Max Drawdown+27.94%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Bonds 20.0%

Holdings Details

A diversified ETF portfolio with 80% global and US equities plus 20% EUR and USD bonds, balancing long-term growth with steady income and stability.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80	IE00BK5BQT80	Acc	ETF	40.0%	0.19%
SXR8.XETRA iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087	IE00B5BMR087	Acc	ETF	30.0%	0.07%
VGWD.XETRA Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10	IE00B8GKDB10	Dist	ETF	10.0%	0.29%
VGEA.XETRA Vanguard EUR Eurozone Government Bond UCITS ETF Accumulating • IE00BH04GL39	IE00BH04GL39	Acc	ETF	10.0%	0.07%
EUNX.XETRA iShares US Aggregate Bond UCITS ETF (Dist) • IE00B44CGS96	IE00B44CGS96	Dist	ETF	10.0%	0.25%
Total		Total			100.0%	0.16%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €20,335.19

Histogram of Monthly Returns

The portfolio had a positive return during 54 of the 87 months (62%)

Monthly Returns Heatmap

Best month: +8.5% • Worst month: -9.1% • Best year: 2021 (+26.1%) • Worst year: 2022 (-12.1%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+0.7%	+1.6%	-3.9%	+6.4%	+4.8%	+1.3%	-1.1%	+1.6%	-0.1%	-	-	-	+11.4%
2025	+3.5%	-1.6%	-6.5%	-3.9%	+4.8%	+0.5%	+4.3%	-0.5%	+2.3%	+3.7%	-0.2%	+0.0%	+6.0%
2024	+2.7%	+2.8%	+3.2%	-1.7%	+0.8%	+4.4%	+0.5%	-0.4%	+1.5%	+1.0%	+6.3%	-1.2%	+21.6%
2023	+3.7%	-0.0%	+0.2%	+0.0%	+2.3%	+2.7%	+1.9%	-0.2%	-1.5%	-2.8%	+4.8%	+3.7%	+15.4%
2022	-3.7%	-1.8%	+3.4%	-2.0%	-2.8%	-4.9%	+8.5%	-1.7%	-5.1%	+3.2%	+0.4%	-5.3%	-12.1%
2021	+0.8%	+2.2%	+5.5%	+1.0%	-0.4%	+4.1%	+1.3%	+2.4%	-1.4%	+3.8%	+1.2%	+3.1%	+26.1%
2020	+0.3%	-6.6%	-9.1%	+8.3%	+1.3%	+1.5%	-0.4%	+4.3%	-0.7%	-1.6%	+6.9%	+1.1%	+4.0%
2019	-	-	-	-	-	-	+0.2%	-0.8%	+2.6%	-0.5%	+3.6%	+1.4%	+6.6%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +27.94% • The longest drawdown period lasted for 1 year and 11 months and was between January 2022 and December 2023. It reached a trough of -14.0%.

When could this portfolio get you to financial independence?

Daniel 1 returned +10.46% 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 2 distributing ETFs (20.0% of total allocation)

Total Dividends Received

€593.45

42 payments

Dividend Yield

0.59%

(annualized)

Avg Per Payment

€14.13

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	€67.21	0.35%	3
2025	€115.40	0.67%	6
2024	€106.59	0.68%	6
2023	€86.05	0.65%	6
2022	€73.87	0.57%	6
2021	€62.93	0.50%	6
2020	€53.40	0.52%	6
2019	€28.00	0.28%	3
Total	€593.45	0.59%	42

Detailed Metrics

Returns

Total Return

+103.35%

Annualized Return

+10.46%

Avg Monthly Return

+0.87%

Risk

Volatility (Annual)

+12.88%

Max Drawdown

+27.94%

Positive Months

62%

Average Drawdown

-4.6%

Risk-Adjusted

Sharpe Ratio

0.66

Risk-free rate: 2.0%

Sortino Ratio

0.60

Downside risk adjusted

Return/Volatility

0.81

Calmar Ratio

0.37

Return/Max Drawdown

Ulcer Index

5.91

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€20,335.19

Backtest Period

2019-07-25 to 2026-09-11
7.1 years

Rebalancing

monthly

Base Currency

EUR