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Europe 15/70/10/5

Europe, with a focus on the Eurozone

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Quarterly Rebalancing
EUR
Moderate Risk
Multi-currency
6.4yr backtest

Performance Summary

Total Return+112.68%
Annualized Return+12.50%
Volatility+10.89%
Sharpe Ratio0.96
Max Drawdown+25.85%

Holdings

Asset Allocation

Asset Class

Equity 70.0%Bonds 15.0%Precious Metals 10.0%Cryptocurrencies 5.0%
Holdings Details
Diversified Eurozone portfolio blending 70% equity ETFs, 15% bonds, 10% gold, and 5% Bitcoin for balanced growth and risk management.
AssetTypeAllocationTER
PRAZ.XETRA
Amundi Prime Eurozone UCITS ETF DR (C)LU2089238112
ETF
40.0%0.05%
MEUD.PA
Amundi Core Stoxx Europe 600 UCITS ETF AccLU0908500753
ETF
30.0%0.07%
GOLD-EUR.PA
Amundi Physical Gold ETC (C)FR0013416716
ETF
10.0%0.12%
XGLE.LSE
Xtrackers II Eurozone Government Bond UCITS ETF 1CLU0290355717
ETF
8.0%0.07%
XHYA.XETRA
Xtrackers EUR High Yield Corporate Bond UCITS ETF 1CLU1109943388
ETF
7.0%0.2%
BTC-USD
Bitcoin
CRYPTO
5.0%-
Total100.0%0.07%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €21,268.48
Histogram of Monthly Returns
The portfolio had a positive return during 52 of the 78 months (67%)
Monthly Returns Heatmap
Best month: +13.4% • Worst month: -15.4% • Best year: 2021 (+24.5%) • Worst year: 2022 (-12.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.2%+2.6%-7.0%+4.9%+2.6%+0.8%------+6.8%
2025+6.3%+1.5%-2.2%+0.6%+4.4%-1.1%+1.5%+0.2%+3.1%+2.2%+0.2%+1.7%+19.8%
2024+1.5%+4.2%+5.0%-1.4%+2.7%-1.6%+1.4%+0.8%+1.1%-1.0%+3.1%+0.1%+16.9%
2023+8.2%+1.0%+2.3%+1.2%-1.4%+2.2%+1.5%-2.5%-1.9%-0.2%+5.8%+3.6%+20.9%
2022-3.9%-2.1%+0.6%-2.0%-1.1%-8.4%+7.5%-4.9%-5.2%+5.1%+5.3%-2.9%-12.4%
2021-0.1%+4.1%+7.6%+1.5%+0.8%+0.4%+2.8%+2.5%-2.9%+5.1%-1.9%+2.6%+24.5%
2020-1.6%-3.8%-15.4%+6.7%+3.6%+3.4%+3.0%+0.2%-0.7%-4.0%+13.4%+5.6%+7.8%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +25.85% • The longest drawdown period lasted for 2 years and was between November 2021 and November 2023. It reached a trough of -21.1%.

Detailed Metrics

Returns
Total Return
+112.68%
Annualized Return
+12.50%
Avg Monthly Return
+1.05%
Risk
Volatility (Annual)
+10.89%
Max Drawdown
+25.85%
Positive Months
67%
Average Drawdown
-5.3%
Risk-Adjusted
Sharpe Ratio
0.96
Risk-free rate: 2.0%
Sortino Ratio
0.91
Downside risk adjusted
Return/Volatility
1.15
Calmar Ratio
0.48
Return/Max Drawdown
Ulcer Index
7.35
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
21,268.48
Backtest Period
2020-01-22 to 2026-06-19
6.4 years
Rebalancing
quarterly
Base Currency
EUR
Europe 15/70/10/5 | +12.5% CAGR | ETF Backtest