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FINECO

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Quarterly Rebalancing

EUR

Low Risk

3.8yr backtest

Performance Summary

Total Return+40.83%

Annualized Return+9.49%

Volatility+7.27%

Sharpe Ratio1.03

Max Drawdown+11.08%

Holdings

Asset Allocation

Asset Class

Equity 70.2%Bonds 21.2%Precious Metals 5.1%Commodities 3.5%

Holdings Details

A diversified global portfolio blending ETFs for stocks, bonds, and gold across developed and emerging markets for balanced growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
EUNA.F iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) • IE00BDBRDM35	IE00BDBRDM35	Acc	ETF	20.0%	0.1%
V60A.XETRA Vanguard LifeStrategy 60% Equity UCITS ETF Accumulating • IE00BMVB5P51	IE00BMVB5P51	Acc	ETF	10.0%	0.25%
IE000DWG3DP6 Fineco AM Passive Underlyings 8 A EUR Acc • IE000DWG3DP6	IE000DWG3DP6	Acc	FUND	9.2%	0.15%
VGWL.XETRA Vanguard FTSE All-World UCITS ETF (USD) Distributing • IE00B3RBWM25	IE00B3RBWM25	Dist	ETF	7.0%	0.19%
IWDE.LSE iShares MSCI World EUR Hedged UCITS ETF (Acc) • IE00B441G979	IE00B441G979	Acc	ETF	5.6%	0.55%
8PSG.STU Invesco Physical Gold A • IE00B579F325	IE00B579F325	Acc	ETF	5.1%	0.12%
0N9S.LSE ENI S.p.A. • IT0003132476	IT0003132476	-	STOCK	4.1%	-
LU1706168710 JPM China A-Share Opportunities D Acc EUR • LU1706168710	LU1706168710	Acc	FUND	3.7%	0.85%
DCA.STU ACEA (DCA.SG) • IT0001207098	IT0001207098	-	STOCK	3.5%	-
IE00BFXY1Z55 M&G North American Value FAM FUND L Acc • IE00BFXY1Z55	IE00BFXY1Z55	Acc	FUND	3.5%	0.85%
WTIC.XETRA WisdomTree Enhanced Commodity UCITS ETF USD Acc • IE00BYMLZY74	IE00BYMLZY74	Acc	ETF	3.5%	0.7%
INFR.AS iShares Global Infrastructure UCITS ETF USD (Dist) • IE00B1FZS467	IE00B1FZS467	Dist	ETF	3.1%	0.65%
CVS.STU CVS HEALTH (CVS.SG) • US1266501006	US1266501006	Dist	STOCK	2.8%	-
VJPN.XETRA Vanguard FTSE Japan UCITS ETF (USD) Distributing • IE00B95PGT31	IE00B95PGT31	Dist	ETF	2.6%	0.1%
6W7.F AQUAFIL S.P.A. • IT0005241192	IT0005241192	-	STOCK	2.0%	-
2FE.XETRA Ferrari NV • NL0011585146	NL0011585146	-	STOCK	1.9%	-
IE00BLKQFV08 Fidelity Sustainable Water And Waste Fam Fund A Acc • IE00BLKQFV08	IE00BLKQFV08	Acc	FUND	1.3%	1.89%
IS3S.F iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59	IE00BP3QZB59	Acc	ETF	1.3%	0.25%
NOV.XETRA Novo Nordisk A/S • DK0062498333	DK0062498333	-	STOCK	1.2%	-
IUSN.F iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31	IE00BF4RFH31	Acc	ETF	1.2%	0.35%
0RG1.LSE Technogym SpA • IT0005162406	IT0005162406	-	STOCK	1.2%	-
IQQ0.F iShares Edge MSCI World Minimum Volatility UCITS ETF USD (Acc) • IE00B8FHGS14	IE00B8FHGS14	Acc	ETF	1.2%	0.3%
IE00BYT35X57 Algebris UCITS Funds plc - Algebris Global Credit Opportunities Fund R EUR Acc • IE00BYT35X57	IE00BYT35X57	Acc	FUND	1.2%	1.59%
N3IA.STU NIO Inc • US62914V1061	US62914V1061	-	STOCK	1.1%	-
2B70.F iShares Nasdaq US Biotechnology UCITS ETF • IE00BYXG2H39	IE00BYXG2H39	Acc	ETF	0.9%	0.35%
MEUD.PA Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753	LU0908500753	Acc	ETF	0.9%	0.07%
ZS3.STU FINECOBANK (ZS3.SG) • IT0000072170	IT0000072170	-	STOCK	0.7%	-
IBC3.XETRA iShares Core MSCI Emerging Markets IMI UCITS ETF • IE00BD45KH83	IE00BD45KH83	Dist	ETF	0.2%	0.18%
Total		Total			100.0%	0.28%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €14,083.13

Histogram of Monthly Returns

The portfolio had a positive return during 31 of the 47 months (66%)

Monthly Returns Heatmap

Best month: +5.2% • Worst month: -5.3% • Best year: 2025 (+12.6%) • Worst year: 2022 (+0.2%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.1%	+3.5%	-2.6%	+0.7%	-	-	-	-	-	-	-	-	+3.6%
2025	+2.9%	+0.8%	-2.9%	-2.8%	+3.3%	+0.4%	+2.5%	+2.5%	+2.7%	+2.5%	+0.2%	+0.0%	+12.6%
2024	+0.2%	+1.6%	+3.7%	-1.0%	+0.5%	+1.3%	+1.4%	+0.2%	+1.7%	-0.3%	+2.3%	-1.5%	+10.4%
2023	+3.5%	-1.1%	-0.6%	-0.1%	+0.1%	+1.6%	+2.2%	-1.6%	-1.6%	-1.5%	+4.2%	+4.0%	+9.1%
2022	-	-	-	-	-	+0.5%	+5.2%	-2.0%	-5.3%	+2.4%	+2.9%	-3.0%	+0.2%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +11.08% • The longest drawdown period lasted for 1 year and 3 months and was between August 2022 and December 2023. It reached a trough of -9.5%.

Dividend Income

Summary

This portfolio contains 5 distributing ETFs (15.7% of total allocation)

Total Dividends Received

€398.18

103 payments

Dividend Yield

0.92%

(annualized)

Avg Per Payment

€3.87

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	€8.74	0.06%	5
2025	€117.28	0.93%	28
2024	€111.70	0.96%	28
2023	€118.14	1.14%	29
2022	€42.35	0.42%	13
Total	€398.18	0.92%	103

Detailed Metrics

Returns

Total Return

+40.83%

Annualized Return

+9.49%

Avg Monthly Return

+0.76%

Risk

Volatility (Annual)

+7.27%

Max Drawdown

+11.08%

Positive Months

66%

Average Drawdown

-2.7%

Risk-Adjusted

Sharpe Ratio

1.03

Risk-free rate: 2.0%

Sortino Ratio

0.95

Downside risk adjusted

Return/Volatility

1.31

Calmar Ratio

0.86

Return/Max Drawdown

Ulcer Index

3.29

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€14,083.13

Backtest Period

2022-06-21 to 2026-04-01
3.8 years

Rebalancing

quarterly

Base Currency

EUR