Quarterly Rebalancing
EUR
Low Risk
Multi-currency
4.0yr backtest

Performance Summary

Total Return+36.26%
Annualized Return+8.05%
Volatility+9.67%
Sharpe Ratio0.63
Max Drawdown+10.88%

Holdings

Asset Allocation

Asset Class

Precious Metals 100.0%
Holdings Details
A gold-focused ETF portfolio combining 80% long physical gold with 20% short gold ETPs for hedged, precious metals exposure in EUR.
AssetTypeAllocationTER
PHAU.AS
WisdomTree Physical Gold EURJE00B1VS3770
ETF
35.0%0.39%
GOLD-EUR.PA
Amundi Physical Gold ETC (C)FR0013416716
ETF
35.0%0.12%
9GA9.XETRA
WisdomTree Gold 1x Daily Short EURJE00B24DKC09
ETF
10.0%0.39%
GBSS.LSE
Gold Bullion Securities ETCGB00B00FHZ82
ETC
10.0%0.39%
GL3S.XETRA
Leverage Shares -3x Short Gold ETP SecuritiesXS2472195283
ETF
10.0%0.75%
Total100.0%0.33%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €13,626.25
Histogram of Monthly Returns
The portfolio had a positive return during 28 of the 49 months (57%)
Monthly Returns Heatmap
Best month: +6.7% • Worst month: -5.6% • Best year: 2024 (+19.3%) • Worst year: 2022 (-3.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+6.7%+3.0%-5.6%-1.2%-0.1%-1.2%-1.2%+3.4%-1.0%---+2.4%
2025+3.3%+0.7%+1.3%-2.5%-0.7%-3.4%+2.9%-0.5%+5.6%+2.9%+2.1%-0.6%+11.2%
2024+1.7%+0.4%+3.8%+2.7%-0.8%+1.1%+1.1%-0.9%+1.9%+4.7%+1.5%+0.5%+19.3%
2023+1.0%-0.1%+1.3%-1.2%+3.2%-3.2%+0.1%+1.3%+0.9%+3.6%-1.8%-0.6%+4.4%
2022--------+1.3%-1.8%-1.6%-1.8%-3.9%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +10.88% • The longest drawdown period lasted for 1 year and was between September 2022 and October 2023. It reached a trough of -7.5%.
When could this portfolio get you to financial independence?

ggg returned +8.05% a year over the 4 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Detailed Metrics

Returns
Total Return
+36.26%
Annualized Return
+8.05%
Avg Monthly Return
+0.66%
Risk
Volatility (Annual)
+9.67%
Max Drawdown
+10.88%
Positive Months
57%
Average Drawdown
-3.8%
Risk-Adjusted
Sharpe Ratio
0.63
Risk-free rate: 2.0%
Sortino Ratio
0.60
Downside risk adjusted
Return/Volatility
0.83
Calmar Ratio
0.74
Return/Max Drawdown
Ulcer Index
4.40
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
13,626.25
Backtest Period
2022-09-13 to 2026-09-11
4.0 years
Rebalancing
quarterly
Base Currency
EUR