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ISA

Created byuser-7vuvtk
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None Rebalancing
EUR
Moderate Risk
2.3yr backtest

Performance Summary

Total Return+38.12%
Annualized Return+14.83%
Volatility+10.94%
Sharpe Ratio1.17
Max Drawdown+17.48%

Holdings

Asset Allocation

Asset Class

Equity 75.0%Commodities 10.0%Bonds 10.0%Precious Metals 5.0%
Holdings Details
A globally diversified ETF portfolio blending stocks, bonds, commodities, and gold for robust, all-weather growth potential.
AssetTypeAllocationTER
VGVF.XETRA
Vanguard FTSE Developed World UCITS ETF Acc • IE00BK5BQV03
ETF
60.0%0.12%
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66
ETF
8.5%0.18%
IUSN.XETRA
iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31
ETF
6.5%0.35%
LU2646068457
iMGP DBi Managed Futures C EUR HP • LU2646068457
FUND
5.0%0.85%
IUS5.XETRA
iShares Global Inflation Linked Government Bond UCITS ETF USD (Acc) • IE00B3B8PX14
ETF
5.0%0.2%
PPFB.XETRA
iShares Physical Gold ETC • IE00B4ND3602
ETF
5.0%0.12%
VAGE.XETRA
Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Distributing • IE00BG47KB92
ETF
5.0%0.08%
SXRS.XETRA
iShares Diversified Commodity Swap UCITS ETF • IE00BDFL4P12
ETF
5.0%0.19%
Total100.0%0.18%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €13,812.49
Histogram of Monthly Returns
The portfolio had a positive return during 22 of the 29 months (76%)
Monthly Returns Heatmap
Best month: +5.5% • Worst month: -5.6% • Best year: 2024 (+19.6%) • Worst year: 2026 (+0.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.8%+2.6%-4.8%---------+0.4%
2025+4.3%-1.9%-5.6%-3.4%+4.5%+0.7%+3.9%+0.0%+3.2%+4.3%+0.2%+0.6%+10.8%
2024+1.7%+2.9%+3.7%-0.8%+0.7%+3.8%+0.5%-0.6%+1.8%+0.6%+5.5%-1.5%+19.6%
2023----------+0.4%+3.3%+3.8%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +17.48% • The longest drawdown period lasted for 7 months and was between February 2025 and September 2025. It reached a trough of -17.5%.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (5.0% of total allocation)

Total Dividends Received

€40.34

28 payments

Dividend Yield

0.14%

(annualized)

Avg Per Payment

€1.44

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€4.81
2025€18.46
2024€15.98
2023€1.08
Total€40.34

Detailed Metrics

Returns
Total Return
+38.12%
Annualized Return
+14.83%
Avg Monthly Return
+1.16%
Risk
Volatility (Annual)
+10.94%
Max Drawdown
+17.48%
Positive Months
76%
Average Drawdown
-2.7%
Risk-Adjusted
Sharpe Ratio
1.17
Risk-free rate: 2.0%
Sortino Ratio
1.06
Downside risk adjusted
Return/Volatility
1.36
Calmar Ratio
0.85
Return/Max Drawdown
Ulcer Index
3.76
Drawdown depth & duration
Martin Ratio
0.03
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€13,812.49
Backtest Period
2023-11-29 to 2026-03-31
2.3 years
Rebalancing
none
Base Currency
EUR