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Annual Rebalancing
GBP
Low Risk
Multi-currency
5.6yr backtest

Performance Summary

Total Return+61.57%
Annualized Return+8.88%
Volatility+7.12%
Sharpe Ratio0.97
Max Drawdown+7.92%

Holdings

Asset Allocation

Asset Class

Bonds 40.0%Equity 40.0%Precious Metals 20.0%
Holdings Details
Diversified ETF portfolio blending global stocks, European small caps, government bonds, and gold for balanced, all-weather investing.
AssetTypeAllocationTER
PRAB.XETRA
Amundi Prime Euro Government Bond 0-1Y UCITS ETF AccLU2233156582
ETF
20.0%0.05%
ZPRX.XETRA
SPDR MSCI Europe Small Cap Value Weighted UCITS ETFIE00BSPLC298
ETF
20.0%0.3%
IMID.LSE
State Street SPDR MSCI All Country World Investable Market UCITS ETF USD Unhedged (Acc)IE00B3YLTY66
ETF
20.0%0.17%
SGLP.LSE
Invesco Physical Gold ETCIE00B579F325
ETC
20.0%0.12%
SGLO.LSE
iShares Global Government Bond UCITS ETF USD (Dist)IE00B3F81K65
ETF
20.0%0.2%
Total100.0%0.17%

Performance

Portfolio Value Over Time
Starting with £10,000 investment → now worth £16,157.32
Histogram of Monthly Returns
The portfolio had a positive return during 44 of the 69 months (64%)
Monthly Returns Heatmap
Best month: +4.6% • Worst month: -5.8% • Best year: 2025 (+21.6%) • Worst year: 2022 (-1.6%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.3%+3.8%-5.8%+1.5%+2.7%-1.3%------+4.0%
2025+4.6%-0.4%+0.0%+0.9%+1.5%+1.1%+3.0%+0.5%+3.9%+3.2%+1.1%+0.4%+21.6%
2024-0.9%+0.6%+3.5%+0.2%+1.0%-0.1%+1.5%+0.0%+0.5%+2.0%+0.5%-0.5%+8.7%
2023+3.4%-0.4%+0.3%-0.1%-1.6%-0.4%+1.4%-0.7%+0.0%-0.1%+1.9%+3.4%+7.0%
2022-2.0%+0.2%+1.9%-0.5%-0.6%-2.5%+1.3%+0.9%-2.0%-0.9%+2.1%+0.8%-1.6%
2021-1.3%-1.8%+1.6%+2.8%+0.7%-0.5%+1.0%+2.0%-1.0%-0.3%+0.9%+0.6%+4.8%
2020----------0.0%+4.0%+2.5%+6.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +7.92% • The longest drawdown period lasted for 1 year and 2 months and was between November 2021 and January 2023. It reached a trough of -7.3%.

Dividend Income

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

Total Dividends Received

£309.70

11 payments

Dividend Yield

0.45%

(annualized)

Avg Per Payment

£28.15

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
2026£65.34
2025£96.50
2024£71.34
2023£40.07
2022£19.41
2021£17.05
Total£309.70

Detailed Metrics

Returns
Total Return
+61.57%
Annualized Return
+8.88%
Avg Monthly Return
+0.71%
Risk
Volatility (Annual)
+7.12%
Max Drawdown
+7.92%
Positive Months
64%
Average Drawdown
-2.2%
Risk-Adjusted
Sharpe Ratio
0.97
Risk-free rate: 2.0%
Sortino Ratio
0.97
Downside risk adjusted
Return/Volatility
1.25
Calmar Ratio
1.12
Return/Max Drawdown
Ulcer Index
2.58
Drawdown depth & duration
Martin Ratio
0.03
Return/Ulcer Index
Backtest Configuration
Initial Investment
£10,000
Final Value
£16,157.32
Backtest Period
2020-10-29 to 2026-06-19
5.6 years
Rebalancing
annual
Base Currency
GBP
golden mod | +8.9% CAGR | ETF Backtest