Home PortfoliosFLT - SPYL/IUMO 3.2

FLT - SPYL/IUMO 3.2

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None Rebalancing

USD

Moderate Risk

2.6yr backtest

Performance Summary

Total Return+73.17%

Annualized Return+23.18%

Volatility+12.04%

Sharpe Ratio1.76

Max Drawdown+14.91%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Bonds 20.0%

Holdings Details

Diversified ETF portfolio blending 80% US & European equities with 20% short-term US Treasury bonds for balanced growth and stability.

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%
CNDX.LSE iShares Nasdaq 100 UCITS ETF (Acc) • IE00B53SZB19	IE00B53SZB19	Acc	ETF	20.0%	0.3%
IB01.LSE iShares USD Treasury Bond 0-1yr UCITS ETF (Acc) • IE00BGSF1X88	IE00BGSF1X88	Acc	ETF	20.0%	0.07%
Total		Total			100.0%	0.11%

Performance

Portfolio Value Over Time

Starting with $10,000 investment → now worth $17,316.6

Histogram of Monthly Returns

The portfolio had a positive return during 23 of the 33 months (70%)

Monthly Returns Heatmap

Best month: +10.1% • Worst month: -6.2% • Best year: 2025 (+19.0%) • Worst year: 2026 (+10.1%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+1.5%	-0.2%	-6.2%	+10.1%	+5.8%	-0.5%	-	-	-	-	-	-	+10.1%
2025	+3.1%	-2.1%	-3.9%	+0.9%	+6.1%	+4.1%	+1.8%	+1.2%	+2.8%	+2.8%	-0.2%	+1.2%	+19.0%
2024	+1.2%	+2.9%	+2.7%	-2.3%	+3.0%	+3.8%	+0.1%	+1.5%	+1.9%	-1.1%	+3.1%	-0.6%	+17.2%
2023	-	-	-	-	-	-	-	-	-	+0.0%	+7.7%	+4.7%	+12.8%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +14.91% • The longest drawdown period lasted for 3 months and was between February 2025 and June 2025. It reached a trough of -14.9%.

Detailed Metrics

Returns

Total Return

+73.17%

Annualized Return

+23.18%

Avg Monthly Return

+1.73%

Risk

Volatility (Annual)

+12.04%

Max Drawdown

+14.91%

Positive Months

70%

Average Drawdown

-1.8%

Risk-Adjusted

Sharpe Ratio

1.76

Risk-free rate: 2.0%

Sortino Ratio

1.75

Downside risk adjusted

Return/Volatility

1.93

Calmar Ratio

1.55

Return/Max Drawdown

Ulcer Index

2.51

Drawdown depth & duration

Martin Ratio

0.08

Return/Ulcer Index

Backtest Configuration

Initial Investment

$10,000

Final Value

$17,316.6

Backtest Period

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

Rebalancing

none

Base Currency

USD