FIRE Projection
None Rebalancing
EUR
Low Risk
19.3yr backtest

Performance Summary

Total Return+67.73%
Annualized Return+2.72%
Volatility+6.65%
Sharpe Ratio0.11
Max Drawdown+22.49%

Holdings

Asset Allocation

Asset Class

Bonds 100.0%
Holdings Details
A focused bond portfolio investing 100% in euro government bonds via a 7-10 year UCITS ETF, offering steady income and stability for European investors.
AssetTypeAllocationTER
LYXD.XETRA
Amundi Euro Government Bond 7-10Y UCITS ETF AccLU1287023185
ETF
100.0%0.15%
Total100.0%0.15%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €16,773.49
Histogram of Monthly Returns
The portfolio had a positive return during 140 of the 231 months (61%)
Monthly Returns Heatmap
Best month: +4.8% • Worst month: -5.7% • Best year: 2014 (+16.1%) • Worst year: 2022 (-19.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.9%+1.6%-3.3%+0.4%+1.3%+0.5%-2.1%-0.7%-1.4%----2.9%
2025+0.0%+0.9%-1.8%+2.4%+0.2%-0.4%-0.1%-0.3%+0.5%+1.1%+0.0%-0.8%+1.7%
2024-0.6%-1.3%+1.0%-1.5%-0.3%+0.4%+2.5%+0.3%+1.6%-1.5%+2.6%-1.9%+1.2%
2023+2.6%-2.5%+2.9%-0.1%+0.6%-0.4%-0.2%+0.4%-3.0%+0.7%+3.3%+4.1%+8.5%
2022-1.5%-1.9%-2.7%-3.8%-1.6%-1.8%+4.4%-5.7%-4.3%+0.5%+2.1%-4.6%-19.3%
2021-0.4%-1.9%+0.6%-0.9%-0.0%+0.5%+1.7%-0.6%-1.2%-1.3%+1.9%-1.2%-2.8%
2020+2.0%+0.4%-2.4%+0.2%+0.4%+1.1%+0.9%-0.7%+1.2%+0.8%+0.1%+0.1%+4.1%
2019+1.3%-0.2%+1.9%+0.0%+1.2%+1.9%+1.6%+1.9%-0.5%-0.9%-1.0%-0.8%+6.4%
2018-0.9%+0.2%+1.8%-0.4%-0.9%+0.8%-0.4%-0.4%-0.4%-0.1%+0.8%+1.0%+1.2%
2017-2.2%+1.0%-0.2%+0.2%+1.1%-0.5%+0.5%+0.6%-0.1%+0.4%+0.8%-0.6%+1.0%
2016+2.3%+0.9%+0.6%-1.1%+1.1%+1.5%+0.7%+0.5%+0.1%-2.2%-1.8%+1.1%+3.6%
2015+1.6%+1.0%+0.2%+0.1%-2.8%-2.0%+2.1%-0.7%+1.7%+1.2%+0.9%-1.2%+2.1%
2014+2.1%+1.7%+1.1%+0.9%+1.6%+1.4%+1.1%+2.0%-0.1%+0.2%+2.2%+0.9%+16.1%
2013-0.9%+0.6%+1.2%+2.3%-0.1%-1.5%-0.3%-0.8%+1.1%+0.8%+1.5%-1.2%+2.6%
2012+1.8%+2.4%-+0.1%+1.3%-1.1%+1.9%+1.5%+1.4%+1.2%+1.8%+0.7%+13.9%
2011+0.2%-0.1%-1.2%+0.2%+1.2%-0.5%+0.1%+4.8%-0.2%-2.7%-3.7%+3.7%+1.4%
2010+0.1%+1.1%+0.9%-1.4%+2.2%-1.3%+1.4%+2.2%-1.1%-0.6%-3.7%-0.5%-0.8%
2009-1.9%+2.2%+0.7%+0.1%-1.8%+1.9%+1.6%+1.3%+0.5%+0.4%+0.4%-0.8%+4.6%
2008+3.3%-0.5%+0.6%-1.3%-1.1%-1.9%+0.2%+3.6%+0.9%+0.6%+4.5%+1.4%+10.6%
2007-----+0.1%+2.1%+0.4%+0.5%+1.1%+1.0%-1.3%+4.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +22.49% • The longest drawdown period lasted for 5 years and 9 months and was between December 2020 and September 2026. It reached a trough of -22.5%.
When could this portfolio get you to financial independence?

Em710 returned +2.72% a year over the 19 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.

Detailed Metrics

Returns
Total Return
+67.73%
Annualized Return
+2.72%
Avg Monthly Return
+0.24%
Risk
Volatility (Annual)
+6.65%
Max Drawdown
+22.49%
Positive Months
61%
Average Drawdown
-7.0%
Risk-Adjusted
Sharpe Ratio
0.11
Risk-free rate: 2.0%
Sortino Ratio
0.11
Downside risk adjusted
Return/Volatility
0.41
Calmar Ratio
0.12
Return/Max Drawdown
Ulcer Index
9.48
Drawdown depth & duration
Martin Ratio
0.00
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
16,773.49
Backtest Period
2007-06-08 to 2026-09-11
19.3 years
Rebalancing
none
Base Currency
EUR