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Global Quality Dividend Income

A conservative dividend-focused strategy designed for European investors seeking steady income with moderate growth potential. This portfolio combines global dividend exposure across developed markets with a tilt toward high-quality dividend payers.

Core Holdings:

  • 60% Vanguard FTSE All-World High Dividend Yield (VHYL) - Broad global diversification across developed and emerging markets, focusing on companies with above-average dividend yields
  • 25% SPDR S&P Global Dividend Aristocrats (ZPRG) - Quality-focused allocation to companies with consistent dividend growth track records
  • 15% iShares MSCI Europe Quality Dividend (QDVX) - Regional European exposure to financially stable companies with sustainable dividend policies

Objectives:

  • Generate reliable income through dividends while maintaining capital preservation
  • Lower volatility compared to pure equity growth strategies
  • Currency diversification across EUR, USD, and other developed market currencies
  • Suitable for conservative investors prioritizing income over aggressive capital appreciation

Rebalancing: Annual rebalancing maintains target allocations and harvests gains while managing risk exposure.

Optimize
Annual Rebalancing
EUR
Moderate Risk
8.7yr backtest

Performance Summary

Total Return+97.38%
Annualized Return+8.10%
Volatility+14.00%
Sharpe Ratio0.44
Max Drawdown+36.74%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
Global Quality Dividend Income portfolio: Diversified ETF strategy delivering steady dividend yields from world's best dividend-paying companies.
AssetTypeAllocationTER
VHYL.AS
Vanguard FTSE All-World High Dividend Yield UCITS ETF DistributingIE00B8GKDB10
ETF
60.0%0.29%
ZPRG.XETRA
State Street SPDR S&P Global Dividend Aristocrats UCITS ETF USDIE00B9CQXS71
ETF
25.0%0.45%
QDVX.XETRA
iShares MSCI Europe Quality Dividend Advanced UCITS ETF EUR (Dist)IE00BYYHSM20
ETF
15.0%0.28%
Total100.0%0.33%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €19,737.88
Histogram of Monthly Returns
The portfolio had a positive return during 67 of the 106 months (63%)
Monthly Returns Heatmap
Best month: +12.0% • Worst month: -16.5% • Best year: 2021 (+25.8%) • Worst year: 2020 (-11.2%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.4%+5.4%-4.7%+3.6%--------+7.6%
2025+4.1%+1.3%-3.1%-4.2%+3.6%-0.9%+2.6%+1.4%+0.7%+1.8%+1.8%+1.1%+10.4%
2024+2.1%+0.9%+4.0%-1.1%+1.5%+0.7%+3.6%+0.4%+1.2%-0.4%+4.6%-3.3%+15.0%
2023+3.1%-0.1%-2.6%+0.9%-2.1%+2.3%+3.2%-1.5%-0.4%-3.8%+4.6%+4.1%+7.4%
2022+1.5%-1.0%+2.9%+1.2%+0.2%-5.8%+5.2%-1.9%-5.9%+5.1%+3.1%-3.8%+0.0%
2021+1.0%+3.9%+7.9%-0.1%+1.9%+1.1%+0.2%+1.5%-0.7%+2.5%-1.1%+5.5%+25.8%
2020-2.1%-9.1%-16.5%+7.1%-0.3%+1.4%-2.9%+3.0%-1.0%-2.1%+12.0%+1.8%-11.2%
2019+6.4%+3.0%+1.6%+2.5%-4.4%+3.4%+1.2%-2.1%+5.3%+0.3%+2.4%+2.2%+23.7%
2018+0.3%-2.9%-2.5%+3.9%+0.5%-0.5%+2.9%-1.0%+0.9%-3.1%+1.2%-5.9%-6.4%
2017-------0.5%-0.8%+2.6%+2.0%-0.6%+1.4%+4.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +36.74% • The longest drawdown period lasted for 1 year and 3 months and was between August 2022 and December 2023. It reached a trough of -10.4%.

Dividend Income

Summary
This portfolio contains 3 distributing ETFs (100.0% of total allocation)

Total Dividends Received

3,968.62

90 payments

Dividend Yield

3.48%

(annualized)

Avg Per Payment

44.10

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
YearDividends
2026102.68
2025574.64
2024523.23
2023511.86
2022528.45
2021443.75
2020346.82
2019408.34
2018377.56
2017151.30
Total3,968.62

Detailed Metrics

Returns
Total Return
+97.38%
Annualized Return
+8.10%
Avg Monthly Return
+0.71%
Risk
Volatility (Annual)
+14.00%
Max Drawdown
+36.74%
Positive Months
63%
Average Drawdown
-5.0%
Risk-Adjusted
Sharpe Ratio
0.44
Risk-free rate: 2.0%
Sortino Ratio
0.39
Downside risk adjusted
Return/Volatility
0.58
Calmar Ratio
0.22
Return/Max Drawdown
Ulcer Index
7.64
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
19,737.88
Backtest Period
2017-07-24 to 2026-04-17
8.7 years
Rebalancing
annual
Base Currency
EUR