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Dividends III

Created byuser-ybhd2f
Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
7.6yr backtest

Performance Summary

Total Return+163.85%
Annualized Return+13.62%
Volatility+13.82%
Sharpe Ratio0.84
Max Drawdown+31.15%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
A globally diversified ETF portfolio blending 90% developed and 10% emerging markets, with a strategic focus on dividend income.
AssetTypeAllocationTER
VGWL.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Distributing • IE00B3RBWM25
ETF
50.0%0.19%
VDIV.XETRA
VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594
ETF
40.0%0.38%
WTEI.XETRA
WisdomTree Emerging Markets Equity Income UCITS ETF • IE00BQQ3Q067
ETF
10.0%0.46%
Total100.0%0.29%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €26,385.34
Histogram of Monthly Returns
The portfolio had a positive return during 64 of the 92 months (70%)
Monthly Returns Heatmap
Best month: +11.0% • Worst month: -12.0% • Best year: 2021 (+27.8%) • Worst year: 2020 (-3.0%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.5%+3.9%-3.0%+4.8%+2.9%+1.1%+1.7%+1.7%+0.3%---+16.9%
2025+4.8%+0.5%-4.4%-3.7%+5.0%-0.3%+4.1%+0.8%+1.8%+3.2%+1.4%+1.5%+15.3%
2024+2.2%+2.1%+4.2%-1.0%+1.6%+2.2%+1.5%-0.5%+1.9%+0.3%+4.9%-0.9%+19.8%
2023+4.7%+0.2%-1.7%+0.7%+0.2%+3.3%+3.2%-1.7%+0.0%-3.5%+4.9%+4.3%+15.2%
2022+0.1%-1.6%+3.6%-0.1%-0.9%-6.4%+6.3%-1.0%-5.6%+4.3%+3.4%-3.6%-2.5%
2021+0.8%+3.7%+6.8%+0.4%+0.7%+2.7%+0.6%+2.4%-1.2%+3.0%+0.0%+5.1%+27.8%
2020-1.0%-8.1%-12.0%+7.3%+1.4%-0.4%-2.1%+4.8%-1.5%-2.1%+11.0%+1.7%-3.0%
2019-+3.1%+1.9%+3.2%-5.2%+3.0%+3.3%-2.9%+4.2%+0.6%+3.2%+2.2%+17.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +31.15% • The longest drawdown period lasted for 12 months and was between February 2020 and February 2021. It reached a trough of -31.2%.
When could this portfolio get you to financial independence?

Dividends III returned +13.62% a year over the 8 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 (100.0% of total allocation)

Total Dividends Received

€3,594.96

80 payments

Dividend Yield

3.02%

(annualized)

Avg Per Payment

€44.94

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
YearDividends
2026€424.76
2025€565.81
2024€571.19
2023€550.50
2022€490.09
2021€362.98
2020€308.06
2019€321.55
Total€3,594.96

Detailed Metrics

Returns
Total Return
+163.85%
Annualized Return
+13.62%
Avg Monthly Return
+1.12%
Risk
Volatility (Annual)
+13.82%
Max Drawdown
+31.15%
Positive Months
70%
Average Drawdown
-3.9%
Risk-Adjusted
Sharpe Ratio
0.84
Risk-free rate: 2.0%
Sortino Ratio
0.75
Downside risk adjusted
Return/Volatility
0.99
Calmar Ratio
0.44
Return/Max Drawdown
Ulcer Index
5.95
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€26,385.34
Backtest Period
2019-02-04 to 2026-09-11
7.6 years
Rebalancing
none
Base Currency
EUR