HomePortfoliosEU50 50/50
None Rebalancing
EUR
Moderate Risk
11.5yr backtest

Performance Summary

Total Return+79.09%
Annualized Return+5.21%
Volatility+10.13%
Sharpe Ratio0.32
Max Drawdown+21.43%

Holdings

Asset Allocation

Asset Class

Equity 50.0%Money Market 50.0%
Holdings Details
EU50 50/50 portfolio: A balanced 50% European equity ETF and 50% cash ETF strategy for core European market exposure with stability.
AssetTypeAllocationTER
SXRT.XETRA
iShares Core EURO STOXX 50 UCITS ETF EUR (Acc)IE00B53L3W79
ETF
50.0%0.1%
CSH2.PA
Amundi Smart Overnight Return UCITS ETF AccLU1190417599
ETF
50.0%0.1%
Total100.0%0.10%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €17,908.77
Histogram of Monthly Returns
The portfolio had a positive return during 83 of the 139 months (60%)
Monthly Returns Heatmap
Best month: +9.0% • Worst month: -8.5% • Best year: 2025 (+15.0%) • Worst year: 2018 (-6.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.9%+2.3%-6.2%+4.2%+2.6%+3.3%+0.5%+0.8%-0.2%---+9.1%
2025+5.3%+2.4%-2.4%-0.6%+3.4%-0.6%+0.3%+0.4%+2.3%+1.8%+0.3%+1.6%+15.0%
2024+1.8%+3.3%+2.9%-1.3%+1.5%-0.9%-0.1%+1.2%+0.7%-2.1%-0.1%+1.2%+8.4%
2023+5.5%+1.2%+1.3%+1.1%-1.1%+2.9%+1.2%-2.2%-1.6%-1.6%+5.0%+2.2%+14.3%
2022-1.8%-3.5%-0.2%-1.2%+0.6%-5.0%+4.1%-2.9%-3.1%+5.0%+5.5%-2.1%-5.2%
2021-1.4%+2.5%+4.3%+1.0%+1.5%+0.3%+0.4%+1.5%-1.8%+3.0%-2.6%+3.5%+12.6%
2020-1.8%-4.6%-8.5%+2.6%+2.4%+3.1%-0.8%+1.8%-1.3%-3.9%+9.0%+1.3%-1.8%
2019+2.8%+2.2%+0.9%+2.7%-2.7%+3.1%-0.1%-0.5%+2.2%+0.6%+1.4%+1.0%+14.4%
2018+1.4%-2.4%-1.1%+2.9%-1.2%+0.0%+2.0%-2.0%+0.2%-3.0%-0.4%-2.8%-6.4%
2017-0.7%+1.4%+2.8%+1.0%+0.7%-1.5%+0.1%-0.4%+2.5%+1.0%-1.3%-0.8%+4.8%
2016-3.7%-1.4%+0.9%+0.6%+1.3%-2.9%+2.1%+0.5%-0.3%+0.9%-0.0%+3.7%+1.5%
2015--+0.8%-0.9%+0.1%-1.8%+2.4%-4.6%-2.5%+4.9%+1.3%-2.9%-3.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +21.43% • The longest drawdown period lasted for 2 years and was between April 2015 and April 2017. It reached a trough of -14.4%.
When could this portfolio get you to financial independence?

EU50 50/50 returned +5.21% a year over the 11 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
+79.09%
Annualized Return
+5.21%
Avg Monthly Return
+0.45%
Risk
Volatility (Annual)
+10.13%
Max Drawdown
+21.43%
Positive Months
60%
Average Drawdown
-4.0%
Risk-Adjusted
Sharpe Ratio
0.32
Risk-free rate: 2.0%
Sortino Ratio
0.30
Downside risk adjusted
Return/Volatility
0.51
Calmar Ratio
0.24
Return/Max Drawdown
Ulcer Index
5.25
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
17,908.77
Backtest Period
2015-03-12 to 2026-09-04
11.5 years
Rebalancing
none
Base Currency
EUR