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Annual Rebalancing
EUR
Low Risk
2.2yr backtest

Performance Summary

Total Return+34.11%
Annualized Return+14.49%
Volatility+9.04%
Sharpe Ratio1.38
Max Drawdown+12.26%

Holdings

Asset Allocation

Asset Class

Equity 61.0%Bonds 29.0%Precious Metals 10.0%
Holdings Details
Global ETF portfolio blending US stocks, world equities, bonds, emerging markets, inflation-linked bonds, and gold for diversified growth.
AssetTypeAllocationTER
EUNA.XETRA
iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)IE00BDBRDM35
ETF
19.0%0.1%
SPYL.XETRA
State Street SPDR S&P 500 UCITS ETF USD Unhedged (Acc)IE000XZSV718
ETF
18.0%0.03%
IQSA.XETRA
Invesco Global Active ESG Equity UCITS ETF AccIE00BJQRDN15
ETF
17.0%0.3%
EXUS.XETRA
Xtrackers MSCI World ex USA UCITS ETF 1CIE0006WW1TQ4
ETF
16.0%0.15%
AMEM.F
Amundi MSCI Emerging Markets Swap UCITS ETF EUR AccLU1681045370
ETF
10.0%0.2%
LYQ7.XETRA
Amundi Euro Government Inflation-Linked Bond UCITS ETF AccLU1650491282
ETF
10.0%0.09%
PPFB.XETRA
iShares Physical Gold ETCIE00B4ND3602
ETF
10.0%0.12%
Total100.0%0.14%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €13,410.64
Histogram of Monthly Returns
The portfolio had a positive return during 20 of the 27 months (74%)
Monthly Returns Heatmap
Best month: +5.0% • Worst month: -5.1% • Best year: 2025 (+12.9%) • Worst year: 2026 (+6.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.6%+2.8%-5.1%+5.0%+1.7%-------+6.9%
2025+3.5%-0.5%-3.3%-1.7%+3.3%+0.3%+2.7%+0.0%+3.3%+3.5%+0.4%+1.1%+12.9%
2024--+2.2%-0.9%+0.8%+2.7%+0.9%+0.1%+1.9%+0.4%+3.9%-1.2%+11.2%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +12.26% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -12.3%.

Detailed Metrics

Returns
Total Return
+34.11%
Annualized Return
+14.49%
Avg Monthly Return
+1.12%
Risk
Volatility (Annual)
+9.04%
Max Drawdown
+12.26%
Positive Months
74%
Average Drawdown
-1.9%
Risk-Adjusted
Sharpe Ratio
1.38
Risk-free rate: 2.0%
Sortino Ratio
1.31
Downside risk adjusted
Return/Volatility
1.60
Calmar Ratio
1.18
Return/Max Drawdown
Ulcer Index
2.50
Drawdown depth & duration
Martin Ratio
0.05
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
13,410.64
Backtest Period
2024-03-14 to 2026-05-15
2.2 years
Rebalancing
annual
Base Currency
EUR