Home Portfoliosx:Defensive seat

x:Defensive seat

Created byuser-jb9a33

Optimize FIRE Projection

Annual Rebalancing

EUR

Moderate Risk

5.2yr backtest

Performance Summary

Total Return+137.18%

Annualized Return+18.23%

Volatility+10.64%

Sharpe Ratio1.53

Max Drawdown+9.91%

Holdings

Asset Allocation

Asset Class

Precious Metals 50.0%Equity 45.0%Bonds 5.0%

Holdings Details

A diversified ETF portfolio with 50% gold, 45% global equities focused on value, energy and dividends, plus bonds for stability in uncertain markets.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
4GLD.XETRA Xetra-Gold • DE000A0S9GB0	DE000A0S9GB0	Acc	ETF	50.0%	0%
IS3S.XETRA iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59	IE00BP3QZB59	Acc	ETF	15.0%	0.25%
LGGE.F L&G Europe ex-UK Quality Dividends Equal Weight UCITS ETF EUR Dist • IE00BMYDM919	IE00BMYDM919	Dist	ETF	10.0%	0.25%
XDW0.XETRA Xtrackers MSCI World Energy UCITS ETF 1C 1C • IE00BM67HM91	IE00BM67HM91	Acc	ETF	10.0%	0.25%
IEAA.LSE iShares Core EUR Corporate Bond UCITS ETF (Acc) • IE00BF11F565	IE00BF11F565	Acc	ETF	5.0%	0.09%
VGWD.XETRA Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10	IE00B8GKDB10	Dist	ETF	5.0%	0.29%
VDIV.XETRA VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594	NL0011683594	Dist	ETF	5.0%	0.38%
Total		Total			100.0%	0.13%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €23,718.29

Histogram of Monthly Returns

The portfolio had a positive return during 47 of the 63 months (75%)

Monthly Returns Heatmap

Best month: +8.4% • Worst month: -4.8% • Best year: 2025 (+34.6%) • Worst year: 2021 (+5.8%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+8.4%	+5.7%	-4.7%	+0.9%	+1.8%	-4.8%	+1.5%	+5.1%	-0.0%	-	-	-	+14.0%
2025	+6.6%	+1.8%	+2.2%	-1.8%	+1.4%	-1.6%	+3.0%	+2.0%	+6.2%	+4.3%	+3.7%	+2.7%	+34.6%
2024	+1.5%	+0.5%	+7.0%	+2.1%	+0.4%	+0.5%	+2.6%	+0.1%	+2.2%	+3.7%	+1.7%	-1.5%	+22.8%
2023	+3.9%	-1.3%	+1.5%	+0.0%	+0.5%	-1.2%	+2.6%	-0.2%	-0.2%	+1.8%	+1.0%	+1.4%	+10.1%
2022	+2.3%	+2.4%	+3.9%	+2.0%	-0.9%	-4.4%	+2.9%	-0.8%	-3.1%	+2.9%	+2.8%	-1.8%	+8.0%
2021	-	-	-	-	-	-	-0.4%	+0.3%	+0.5%	+2.2%	+0.0%	+3.1%	+5.8%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +9.91% • The longest drawdown period lasted for 8 months and was between April 2022 and January 2023. It reached a trough of -7.7%.

When could this portfolio get you to financial independence?

x:Defensive seat returned +18.23% a year over the 5 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 3 distributing ETFs (20.0% of total allocation)

Total Dividends Received

€606.10

62 payments

Dividend Yield

0.80%

(annualized)

Avg Per Payment

€9.78

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	€128.84	0.56%	8
2025	€132.45	0.75%	12
2024	€112.80	0.79%	12
2023	€108.38	0.90%	12
2022	€88.36	0.78%	12
2021	€35.30	0.35%	6
Total	€606.10	0.80%	62

Detailed Metrics

Returns

Total Return

+137.18%

Annualized Return

+18.23%

Avg Monthly Return

+1.41%

Risk

Volatility (Annual)

+10.64%

Max Drawdown

+9.91%

Positive Months

75%

Average Drawdown

-2.2%

Risk-Adjusted

Sharpe Ratio

1.53

Risk-free rate: 2.0%

Sortino Ratio

1.43

Downside risk adjusted

Return/Volatility

1.71

Calmar Ratio

1.84

Return/Max Drawdown

Ulcer Index

2.63

Drawdown depth & duration

Martin Ratio

0.06

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€23,718.29

Backtest Period

2021-07-15 to 2026-09-11
5.2 years

Rebalancing

annual

Base Currency

EUR