Home PortfoliosFLT - SPYL/IUMO 3.1

FLT - SPYL/IUMO 3.1

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None Rebalancing

USD

Moderate Risk

Multi-currency

2.6yr backtest

Performance Summary

Total Return+92.10%

Annualized Return+28.13%

Volatility+12.80%

Sharpe Ratio2.04

Max Drawdown+13.76%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Precious Metals 20.0%

Holdings Details

Diversified ETF portfolio with 80% global equities and 20% gold for growth and stability across US, European, and tech markets.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
SPYL.LSE SPDR S&P 500 UCITS ETF (Acc) • IE000XZSV718	IE000XZSV718	Acc	ETF	40.0%	0.03%
XMED.LSE Xtrackers MSCI Europe UCITS ETF 1C • LU0274209237	LU0274209237	Acc	ETF	20.0%	0.12%
SGLN.LSE iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	20.0%	0.12%
CNDX.LSE iShares Nasdaq 100 UCITS ETF (Acc) • IE00B53SZB19	IE00B53SZB19	Acc	ETF	20.0%	0.3%
Total		Total			100.0%	0.12%

Performance

Portfolio Value Over Time

Starting with $10,000 investment → now worth $19,210.32

Histogram of Monthly Returns

The portfolio had a positive return during 25 of the 33 months (76%)

Monthly Returns Heatmap

Best month: +8.7% • Worst month: -8.5% • Best year: 2025 (+30.1%) • Worst year: 2026 (+7.8%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+5.0%	+1.2%	-8.5%	+8.7%	+4.7%	-2.5%	-	-	-	-	-	-	+7.8%
2025	+4.4%	-1.8%	-1.8%	+2.1%	+5.5%	+3.8%	+1.7%	+2.1%	+5.0%	+3.4%	+1.1%	+1.6%	+30.1%
2024	+0.9%	+2.9%	+4.1%	-1.8%	+3.2%	+3.6%	+0.8%	+2.0%	+2.7%	-0.3%	+2.3%	-1.1%	+20.9%
2023	-	-	-	-	-	-	-	-	-	+0.0%	+8.0%	+4.9%	+13.3%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +13.76% • The longest drawdown period lasted for 3 months and was between January 2026 and May 2026. It reached a trough of -10.4%.

Detailed Metrics

Returns

Total Return

+92.10%

Annualized Return

+28.13%

Avg Monthly Return

+2.05%

Risk

Volatility (Annual)

+12.80%

Max Drawdown

+13.76%

Positive Months

76%

Average Drawdown

-1.9%

Risk-Adjusted

Sharpe Ratio

2.04

Risk-free rate: 2.0%

Sortino Ratio

2.01

Downside risk adjusted

Return/Volatility

2.20

Calmar Ratio

2.04

Return/Max Drawdown

Ulcer Index

2.45

Drawdown depth & duration

Martin Ratio

0.11

Return/Ulcer Index

Backtest Configuration

Initial Investment

$10,000

Final Value

$19,210.32

Backtest Period

2023-10-31 to 2026-06-19
2.6 years

Rebalancing

none

Base Currency

USD