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Dina_TEMP

Created byuser-cygs07
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None Rebalancing
EUR
Low Risk
4.3yr backtest

Performance Summary

Total Return+28.59%
Annualized Return+6.09%
Volatility+7.16%
Sharpe Ratio0.57
Max Drawdown+10.58%

Holdings

Asset Allocation

Asset Class

Equity 45.0%Bonds 36.0%Money Market 12.0%Precious Metals 7.0%
Holdings Details
A diversified ETF portfolio blending global stocks, European bonds, and gold for balanced growth and stability across asset classes.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
45.0%0.19%
MTD.PA
Amundi Euro Government Bond 7-10Y UCITS ETF Acc • LU1287023185
ETF
12.0%0.15%
XEON.XETRA
Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497
ETF
12.0%0.1%
CBE3.LSE
iShares Euro Government Bond 1-3yr UCITS ETF (Acc) • IE00B3VTMJ91
ETF
12.0%0.15%
IEAA.LSE
iShares Core EUR Corporate Bond UCITS ETF (Acc) • IE00BF11F565
ETF
12.0%0.09%
8PSG.STU
Invesco Physical Gold A • IE00B579F325
ETF
7.0%0.12%
Total100.0%0.15%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €12,859.4
Histogram of Monthly Returns
The portfolio had a positive return during 34 of the 53 months (64%)
Monthly Returns Heatmap
Best month: +5.1% • Worst month: -4.4% • Best year: 2024 (+15.5%) • Worst year: 2022 (-10.0%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.9%+2.4%-4.4%+1.0%--------+0.7%
2025+2.9%-0.7%-3.3%-1.4%+2.9%+0.1%+2.6%+0.1%+2.8%+3.0%+0.4%+0.5%+10.1%
2024+1.4%+1.5%+2.8%-0.7%+0.6%+2.6%+1.0%-0.0%+1.7%+0.8%+3.7%-0.7%+15.5%
2023+3.0%-0.8%+1.2%+0.0%+1.3%+1.1%+1.5%-0.3%-1.2%-0.8%+3.3%+2.6%+11.3%
2022-2.4%-1.0%+1.4%-1.6%-2.2%-3.2%+5.1%-2.1%-3.7%+1.3%+1.4%-3.1%-10.0%
2021-----------+0.2%+0.2%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +10.58% • The longest drawdown period lasted for 2 years and was between January 2022 and January 2024. It reached a trough of -10.5%.

Detailed Metrics

Returns
Total Return
+28.59%
Annualized Return
+6.09%
Avg Monthly Return
+0.50%
Risk
Volatility (Annual)
+7.16%
Max Drawdown
+10.58%
Positive Months
64%
Average Drawdown
-3.8%
Risk-Adjusted
Sharpe Ratio
0.57
Risk-free rate: 2.0%
Sortino Ratio
0.53
Downside risk adjusted
Return/Volatility
0.85
Calmar Ratio
0.58
Return/Max Drawdown
Ulcer Index
4.53
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€12,859.4
Backtest Period
2021-12-29 to 2026-04-02
4.3 years
Rebalancing
none
Base Currency
EUR