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Fondo diversificado

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None Rebalancing

EUR

Moderate Risk

Multi-currency

7.8yr backtest

Performance Summary

Total Return+155.97%

Annualized Return+12.84%

Volatility+13.33%

Sharpe Ratio0.81

Max Drawdown+28.54%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Precious Metals 20.0%

Holdings Details

Diversified global ETF portfolio with 80% equity across US, Europe, Asia, and Latin America, plus 20% gold for stability and growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
IGLN.LSE iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	20.0%	0.12%
FVSJ.F Franklin FTSE Asia ex China ex Japan UCITS ETF • IE00BFWXDV39	IE00BFWXDV39	Acc	ETF	20.0%	0.14%
C50.PA Amundi Core EURO STOXX 50 UCITS ETF EUR Acc • LU1681047236	LU1681047236	Acc	ETF	20.0%	0.09%
LTAM.AS iShares MSCI EM Latin America UCITS ETF (Dist) • IE00B27YCK28	IE00B27YCK28	Dist	ETF	20.0%	0.2%
CSPX.LSE iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087	IE00B5BMR087	Acc	ETF	20.0%	0.07%
Total		Total			100.0%	0.12%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €25,596.77

Histogram of Monthly Returns

The portfolio had a positive return during 61 of the 95 months (64%)

Monthly Returns Heatmap

Best month: +7.7% • Worst month: -11.7% • Best year: 2025 (+24.5%) • Worst year: 2018 (-3.2%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+7.7%	+4.8%	-7.9%	+5.6%	+3.7%	-1.4%	+0.3%	-	-	-	-	-	+12.5%
2025	+5.7%	-0.7%	-2.1%	-1.2%	+3.3%	-0.3%	+2.1%	+1.7%	+5.9%	+4.9%	+1.9%	+1.3%	+24.5%
2024	+1.6%	+2.5%	+4.6%	-0.4%	-0.1%	+2.0%	+0.6%	+0.4%	+1.8%	+1.1%	+1.6%	+0.2%	+16.8%
2023	+5.8%	-0.9%	+2.0%	-0.3%	+1.6%	+2.1%	+2.7%	-2.1%	-1.4%	-1.1%	+4.9%	+3.9%	+18.3%
2022	-0.6%	+0.2%	+4.7%	-1.1%	-1.7%	-6.0%	+5.3%	-0.2%	-4.0%	+2.5%	+2.6%	-3.6%	-2.8%
2021	-1.2%	-0.0%	+5.4%	+1.2%	+2.6%	+1.3%	-0.2%	+1.9%	-2.2%	+1.7%	+0.4%	+4.0%	+15.8%
2020	-0.8%	-6.5%	-11.7%	+7.5%	+1.3%	+2.8%	+1.8%	+1.0%	-2.1%	-2.1%	+6.0%	+4.0%	-0.2%
2019	+7.0%	+0.9%	+0.9%	+2.0%	-2.9%	+4.6%	+2.1%	-1.3%	+2.2%	+1.1%	+0.3%	+3.0%	+21.6%
2018	-	-	-	-	-	-	-	-	+0.0%	-1.5%	+0.7%	-2.5%	-3.2%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +28.54% • The longest drawdown period lasted for 1 year and 1 month and was between February 2020 and April 2021. It reached a trough of -28.5%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (20.0% of total allocation)

Total Dividends Received

€647.38

16 payments

Dividend Yield

0.56%

(annualized)

Avg Per Payment

€40.46

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	€65.49	0.26%	1
2025	€90.16	0.45%	2
2024	€106.34	0.62%	2
2023	€105.38	0.73%	2
2022	€136.10	1.00%	2
2021	€48.30	0.38%	2
2020	€31.04	0.28%	2
2019	€48.60	0.45%	2
2018	€15.98	0.16%	1
Total	€647.38	0.56%	16

Detailed Metrics

Returns

Total Return

+155.97%

Annualized Return

+12.84%

Avg Monthly Return

+1.05%

Risk

Volatility (Annual)

+13.33%

Max Drawdown

+28.54%

Positive Months

64%

Average Drawdown

-3.8%

Risk-Adjusted

Sharpe Ratio

0.81

Risk-free rate: 2.0%

Sortino Ratio

0.75

Downside risk adjusted

Return/Volatility

0.96

Calmar Ratio

0.45

Return/Max Drawdown

Ulcer Index

5.29

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€25,596.77

Backtest Period

2018-09-28 to 2026-07-10
7.8 years

Rebalancing

none

Base Currency

EUR