Home PortfoliosFLT - SPYL/IUMO 3.3

FLT - SPYL/IUMO 3.3

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None Rebalancing

USD

Moderate Risk

Multi-currency

2.6yr backtest

Performance Summary

Total Return+89.77%

Annualized Return+27.54%

Volatility+13.28%

Sharpe Ratio1.92

Max Drawdown+15.77%

Holdings

Asset Allocation

Asset Class

Equity 90.0%Precious Metals 10.0%

Holdings Details

Diversified ETF portfolio with 90% global equities (US & Europe) and 10% gold for growth and stability in a single investment.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
SPYL.LSE SPDR S&P 500 UCITS ETF (Acc) • IE000XZSV718	IE000XZSV718	Acc	ETF	50.0%	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%
SGLN.LSE iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	10.0%	0.12%
Total		Total			100.0%	0.11%

Performance

Portfolio Value Over Time

Starting with $10,000 investment → now worth $18,977.2

Histogram of Monthly Returns

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

Monthly Returns Heatmap

Best month: +10.2% • Worst month: -7.8% • Best year: 2025 (+25.5%) • Worst year: 2026 (+9.4%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+3.3%	+0.5%	-7.8%	+10.2%	+5.6%	-1.6%	-	-	-	-	-	-	+9.4%
2025	+4.0%	-2.3%	-3.4%	+1.4%	+6.3%	+4.3%	+2.0%	+1.7%	+4.1%	+3.3%	+0.5%	+1.5%	+25.5%
2024	+1.2%	+3.2%	+3.7%	-2.4%	+3.2%	+4.2%	+0.5%	+1.8%	+2.4%	-0.7%	+3.1%	-1.0%	+20.9%
2023	-	-	-	-	-	-	-	-	-	+0.0%	+8.7%	+5.3%	+14.4%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +15.77% • The longest drawdown period lasted for 2 months and was between February 2025 and May 2025. It reached a trough of -15.8%.

Detailed Metrics

Returns

Total Return

+89.77%

Annualized Return

+27.54%

Avg Monthly Return

+2.02%

Risk

Volatility (Annual)

+13.28%

Max Drawdown

+15.77%

Positive Months

76%

Average Drawdown

-2.0%

Risk-Adjusted

Sharpe Ratio

1.92

Risk-free rate: 2.0%

Sortino Ratio

1.90

Downside risk adjusted

Return/Volatility

2.07

Calmar Ratio

1.75

Return/Max Drawdown

Ulcer Index

2.66

Drawdown depth & duration

Martin Ratio

0.10

Return/Ulcer Index

Backtest Configuration

Initial Investment

$10,000

Final Value

$18,977.2

Backtest Period

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

Rebalancing

none

Base Currency

USD