HomePortfoliosEU Version of 80/7/7/6

EU Version of 80/7/7/6

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Annual Rebalancing
EUR
Moderate Risk
3.1yr backtest

Performance Summary

Total Return+56.24%
Annualized Return+15.74%
Volatility+10.87%
Sharpe Ratio1.26
Max Drawdown+15.67%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Bonds 14.0%Precious Metals 6.0%
Holdings Details
A diversified ETF portfolio blending 80% global equities, 14% Euro bonds, and 6% gold for balanced, long-term growth.
AssetTypeAllocationTER
GERD.XETRA
L&G Gerd Kommer Multifactor Equity UCITS ETF USD AccumulatingIE0001UQQ933
ETF
80.0%0.45%
PRAB.XETRA
Amundi Prime Euro Government Bond 0-1Y UCITS ETF AccLU2233156582
ETF
7.0%0.05%
LYXF.XETRA
Amundi Euro Government Bond 15+Y UCITS ETF AccLU1287023268
ETF
7.0%0.15%
4GLD.XETRA
Xetra-GoldDE000A0S9GB0
ETF
6.0%0%
Total100.0%0.37%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €15,623.92
Histogram of Monthly Returns
The portfolio had a positive return during 26 of the 38 months (68%)
Monthly Returns Heatmap
Best month: +6.0% • Worst month: -5.7% • Best year: 2024 (+17.1%) • Worst year: 2023 (+7.2%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.6%+3.3%-5.7%+6.0%+4.9%+1.5%-0.5%-----+12.3%
2025+4.4%-0.9%-4.7%-2.5%+4.9%+0.0%+3.0%-0.2%+2.6%+3.4%+0.2%+0.5%+10.9%
2024+1.4%+2.7%+3.3%-1.4%+1.0%+1.9%+1.4%-0.4%+2.2%+0.7%+5.5%-2.4%+17.1%
2023-----+1.1%+2.7%-1.1%-1.1%-3.0%+4.1%+4.4%+7.2%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +15.67% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -15.7%.

Detailed Metrics

Returns
Total Return
+56.24%
Annualized Return
+15.74%
Avg Monthly Return
+1.22%
Risk
Volatility (Annual)
+10.87%
Max Drawdown
+15.67%
Positive Months
68%
Average Drawdown
-2.2%
Risk-Adjusted
Sharpe Ratio
1.26
Risk-free rate: 2.0%
Sortino Ratio
1.20
Downside risk adjusted
Return/Volatility
1.45
Calmar Ratio
1.00
Return/Max Drawdown
Ulcer Index
2.94
Drawdown depth & duration
Martin Ratio
0.05
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
15,623.92
Backtest Period
2023-06-21 to 2026-07-10
3.1 years
Rebalancing
annual
Base Currency
EUR