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eft guy

Created byuser-bh9e3i

Optimize FIRE Projection

None Rebalancing

EUR

Moderate Risk

Multi-currency

2.5yr backtest

Performance Summary

Total Return+46.71%

Annualized Return+16.61%

Volatility+14.09%

Sharpe Ratio1.04

Max Drawdown+21.44%

Holdings

Asset Allocation

Asset Class

Equity 100.0%

Holdings Details

Diversified 100% equity ETF portfolio splitting evenly across emerging markets, US small-cap value, global ex-US, and the S&P 500 for long-term growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
EIMI.LSE iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66	IE00BKM4GZ66	Acc	ETF	25.0%	0.18%
ZPRV.XETRA SPDR MSCI USA Small Cap Value Weighted UCITS ETF • IE00BSPLC413	IE00BSPLC413	Acc	ETF	25.0%	0.3%
EXUS.XETRA Xtrackers MSCI World ex USA UCITS ETF 1C • IE0006WW1TQ4	IE0006WW1TQ4	Acc	ETF	25.0%	0.15%
VUSA.XETRA Vanguard S&P 500 UCITS ETF (USD) Distributing • IE00B3XXRP09	IE00B3XXRP09	Dist	ETF	25.0%	0.07%
Total		Total			100.0%	0.17%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €14,670.83

Histogram of Monthly Returns

The portfolio had a positive return during 21 of the 31 months (68%)

Monthly Returns Heatmap

Best month: +8.8% • Worst month: -6.4% • Best year: 2026 (+17.8%) • Worst year: 2025 (+10.3%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.9%	+3.9%	-6.0%	+8.8%	+5.1%	+2.7%	-2.1%	+2.3%	-0.3%	-	-	-	+17.8%
2025	+4.2%	-2.2%	-6.4%	-4.7%	+5.6%	+1.1%	+4.0%	+1.5%	+2.6%	+3.7%	+0.4%	+0.7%	+10.3%
2024	-	-	+3.3%	-1.8%	+1.0%	+2.9%	+2.6%	-1.3%	+2.2%	-0.0%	+6.4%	-2.7%	+12.9%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +21.44% • The longest drawdown period lasted for 7 months and was between February 2025 and September 2025. It reached a trough of -21.4%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (25.0% of total allocation)

Total Dividends Received

€76.66

10 payments

Dividend Yield

0.26%

(annualized)

Avg Per Payment

€7.67

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	€16.20	0.12%	2
2025	€30.54	0.27%	4
2024	€29.92	0.28%	4
Total	€76.66	0.26%	10

Detailed Metrics

Returns

Total Return

+46.71%

Annualized Return

+16.61%

Avg Monthly Return

+1.30%

Risk

Volatility (Annual)

+14.09%

Max Drawdown

+21.44%

Positive Months

68%

Average Drawdown

-3.1%

Risk-Adjusted

Sharpe Ratio

1.04

Risk-free rate: 2.0%

Sortino Ratio

0.97

Downside risk adjusted

Return/Volatility

1.18

Calmar Ratio

0.77

Return/Max Drawdown

Ulcer Index

4.34

Drawdown depth & duration

Martin Ratio

0.03

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€14,670.83

Backtest Period

2024-03-14 to 2026-09-11
2.5 years

Rebalancing

none

Base Currency

EUR