ETF

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Holdings

Asset Allocation

Asset Class

Equity 100.0%

Holdings Details

A diversified ETF portfolio in euros with a simple buy-and-hold strategy for long-term, low-maintenance investing.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
FLXD.XETRA Franklin European Quality Dividend UCITS ETF (Dist) • IE00BF2B0L69	IE00BF2B0L69	Dist	ETF	20.0%	0.25%
EMXC.XETRA Amundi MSCI Emerging Ex China UCITS ETF Acc • LU2009202107	LU2009202107	Acc	ETF	20.0%	0.15%
UEQD.XETRA UBS Core S&P 500 UCITS ETF hEUR acc • IE00BD34DK07	IE00BD34DK07	Acc	ETF	20.0%	0.06%
WTEE.XETRA WisdomTree Europe Equity Income UCITS ETF • IE00BQZJBX31	IE00BQZJBX31	Dist	ETF	20.0%	0.29%
XDJP.XETRA Xtrackers Nikkei 225 UCITS ETF 1D • LU0839027447	LU0839027447	Dist	ETF	20.0%	0.09%
Total		Total			100.0%	0.17%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €23,257.82

Histogram of Monthly Returns

The portfolio had a positive return during 48 of the 74 months (65%)

Monthly Returns Heatmap

Best month: +12.4% • Worst month: -7.5% • Best year: 2026 (+23.2%) • Worst year: 2022 (-10.6%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+4.7%	+6.0%	-6.3%	+9.2%	+5.8%	+1.7%	-2.9%	+2.8%	+1.0%	-	-	-	+23.2%
2025	+4.3%	-0.8%	-2.0%	-0.1%	+4.9%	+1.8%	+2.7%	+1.1%	+2.8%	+5.0%	-0.9%	+1.9%	+22.3%
2024	+1.6%	+2.3%	+3.5%	-2.0%	+1.2%	+2.3%	+2.4%	+0.9%	+0.7%	-1.9%	+2.7%	-1.3%	+12.9%
2023	+4.5%	-0.5%	+0.2%	+0.9%	+0.8%	+3.1%	+2.6%	-2.4%	-0.7%	-3.3%	+6.2%	+4.0%	+15.9%
2022	-1.5%	-2.4%	+2.2%	-1.9%	-1.1%	-7.5%	+5.5%	-1.7%	-7.2%	+4.4%	+5.0%	-3.8%	-10.6%
2021	+0.2%	+2.7%	+4.1%	+0.5%	+1.0%	+1.5%	+0.3%	+2.4%	-1.4%	+1.3%	-1.5%	+4.6%	+16.7%
2020	-	-	-	-	-	-	-	-0.3%	-0.6%	-2.5%	+12.4%	+4.0%	+13.0%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +16.50% • The longest drawdown period lasted for 1 year and 10 months and was between January 2022 and December 2023. It reached a trough of -16.5%.

When could this portfolio get you to financial independence?

ETF returned +14.98% a year over the 6 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 (60.0% of total allocation)

Total Dividends Received

€2,363.99

56 payments

Dividend Yield

2.70%

(annualized)

Avg Per Payment

€42.21

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	€351.46	1.63%	8
2025	€592.23	3.50%	13
2024	€491.30	3.31%	10
2023	€329.40	2.60%	8
2022	€310.42	2.53%	8
2021	€255.32	2.06%	7
2020	€33.84	0.33%	2
Total	€2,363.99	2.70%	56

Detailed Metrics

Returns

Total Return

+132.58%

Annualized Return

+14.98%

Avg Monthly Return

+1.20%

Risk

Volatility (Annual)

+12.47%

Max Drawdown

+16.50%

Positive Months

65%

Average Drawdown

-3.6%

Risk-Adjusted

Sharpe Ratio

1.04

Risk-free rate: 2.0%

Sortino Ratio

0.97

Downside risk adjusted

Return/Volatility

1.20

Calmar Ratio

0.91

Return/Max Drawdown

Ulcer Index

4.74

Drawdown depth & duration

Martin Ratio

0.03

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€23,257.82

Backtest Period

2020-08-18 to 2026-09-04
6.0 years

Rebalancing

none

Base Currency

EUR

Performance Summary

Holdings

Performance

Dividend Income

Detailed Metrics