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Dina_final

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

Performance Summary

Total Return+27.51%
Annualized Return+5.88%
Volatility+7.63%
Sharpe Ratio0.51
Max Drawdown+11.16%

Holdings

Asset Allocation

Asset Class

Equity 45.0%Bonds 38.0%Money Market 10.0%Precious Metals 7.0%
Holdings Details
Diversified ETF portfolio blending global stocks, bonds, inflation-linked securities, and gold for a balanced, resilient core allocation.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
45.0%0.19%
EUNA.F
iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) • IE00BDBRDM35
ETF
28.0%0.1%
LYQ7.XETRA
Amundi Euro Government Inflation-Linked Bond UCITS ETF Acc • LU1650491282
ETF
10.0%0.09%
CSH2.PA
Amundi Smart Overnight Return UCITS ETF Acc • LU1190417599
ETF
10.0%0.1%
8PSG.STU
Invesco Physical Gold A • IE00B579F325
ETF
7.0%0.12%
Total100.0%0.14%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €12,751.39
Histogram of Monthly Returns
The portfolio had a positive return during 35 of the 53 months (66%)
Monthly Returns Heatmap
Best month: +5.3% • Worst month: -4.5% • Best year: 2024 (+15.0%) • Worst year: 2022 (-10.2%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.8%+2.6%-4.3%+1.1%--------+1.0%
2025+2.7%-0.4%-3.4%-1.8%+3.1%+0.4%+2.3%+0.3%+2.8%+3.0%+0.4%+0.4%+10.1%
2024+1.1%+1.7%+2.8%-1.0%+0.5%+2.9%+1.0%+0.1%+1.4%+0.6%+3.6%-0.6%+15.0%
2023+2.9%-0.6%+1.1%+0.1%+1.2%+1.1%+1.3%-0.4%-1.7%-1.1%+3.6%+2.8%+10.7%
2022-2.4%-1.1%+1.5%-1.7%-2.4%-3.4%+5.3%-1.7%-4.5%+1.4%+1.7%-3.1%-10.2%
2021-----------+0.3%+0.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +11.16% • The longest drawdown period lasted for 2 years and was between January 2022 and January 2024. It reached a trough of -11.2%.

Detailed Metrics

Returns
Total Return
+27.51%
Annualized Return
+5.88%
Avg Monthly Return
+0.48%
Risk
Volatility (Annual)
+7.63%
Max Drawdown
+11.16%
Positive Months
66%
Average Drawdown
-4.0%
Risk-Adjusted
Sharpe Ratio
0.51
Risk-free rate: 2.0%
Sortino Ratio
0.48
Downside risk adjusted
Return/Volatility
0.77
Calmar Ratio
0.53
Return/Max Drawdown
Ulcer Index
4.79
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€12,751.39
Backtest Period
2021-12-29 to 2026-04-02
4.3 years
Rebalancing
none
Base Currency
EUR