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Graciana

Created byuser-rboxmq

FIRE Projection

None Rebalancing

EUR

Moderate Risk

1.7yr backtest

Performance Summary

Total Return+61.54%

Annualized Return+31.83%

Volatility+16.08%

Sharpe Ratio1.85

Max Drawdown+17.46%

Holdings

Asset Allocation

Asset Class

Equity 95.0%Commodities 5.0%

Holdings Details

Diversified ETF portfolio with 90% equities across Asia-Pacific, Europe, US, and emerging markets plus commodities for global growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
VGEK.XETRA Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF (USD) Accumulating • IE00BK5BQZ41	IE00BK5BQZ41	Acc	ETF	20.0%	0.15%
VGWE.XETRA Vanguard FTSE All-World High Dividend Yield UCITS ETF Acc • IE00BK5BR626	IE00BK5BR626	Acc	ETF	15.0%	0.29%
LYSX.XETRA Amundi EURO STOXX 50 II UCITS ETF Acc • FR0007054358	FR0007054358	Acc	ETF	10.0%	0.2%
5MVL.XETRA iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) • IE00BG0SKF03	IE00BG0SKF03	Acc	ETF	10.0%	0.4%
ESIF.XETRA iShares MSCI Europe Financials Sector UCITS ETF EUR (Acc) • IE00BMW42306	IE00BMW42306	Acc	ETF	10.0%	0.18%
AW1C.XETRA UBS S&P 500 ESG Elite UCITS ETF USD acc • IE00BLSN7P11	IE00BLSN7P11	Acc	ETF	7.5%	0.15%
AIFS.XETRA iShares AI Infrastructure UCITS ETF USD (Acc) • IE000X59ZHE2	IE000X59ZHE2	Acc	ETF	7.5%	0.35%
SXRS.XETRA iShares Diversified Commodity Swap UCITS ETF • IE00BDFL4P12	IE00BDFL4P12	Acc	ETF	5.0%	0.19%
LEER.XETRA Amundi MSCI Eastern Europe Ex Russia UCITS ETF Acc • LU1900066462	LU1900066462	Acc	ETF	5.0%	0.5%
EMXC.XETRA Amundi MSCI Emerging Ex China UCITS ETF Acc • LU2009202107	LU2009202107	Acc	ETF	5.0%	0.15%
SXR2.XETRA iShares MSCI Canada UCITS ETF (Acc) • IE00B52SF786	IE00B52SF786	Acc	ETF	2.5%	0.48%
SELD.XETRA Amundi Stoxx Europe Select Dividend 30 UCITS ETF Dist • LU1812092168	LU1812092168	Dist	ETF	2.5%	0.3%
Total		Total			100.0%	0.25%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €16,154.48

Histogram of Monthly Returns

The portfolio had a positive return during 15 of the 22 months (68%)

Monthly Returns Heatmap

Best month: +11.2% • Worst month: -7.3% • Best year: 2026 (+32.2%) • Worst year: 2024 (-2.2%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+6.4%	+5.4%	-7.3%	+11.2%	+10.4%	+1.9%	-3.6%	+3.9%	+1.4%	-	-	-	+32.2%
2025	+5.4%	+0.5%	-3.7%	-2.6%	+5.5%	+1.9%	+3.8%	-0.1%	+3.4%	+6.2%	-0.5%	+3.1%	+24.9%
2024	-	-	-	-	-	-	-	-	-	-	-	-2.2%	-2.2%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +17.46% • The longest drawdown period lasted for 4 months and was between February 2025 and July 2025. It reached a trough of -17.5%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (2.5% of total allocation)

Total Dividends Received

€36.32

2 payments

Dividend Yield

0.17%

(annualized)

Avg Per Payment

€18.16

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
2025	€21.45	0.20%	1
2024	€14.87	0.15%	1
Total	€36.32	0.17%	2

Detailed Metrics

Returns

Total Return

+61.54%

Annualized Return

+31.83%

Avg Monthly Return

+2.30%

Risk

Volatility (Annual)

+16.08%

Max Drawdown

+17.46%

Positive Months

68%

Average Drawdown

-2.8%

Risk-Adjusted

Sharpe Ratio

1.85

Risk-free rate: 2.0%

Sortino Ratio

1.78

Downside risk adjusted

Return/Volatility

1.98

Calmar Ratio

1.82

Return/Max Drawdown

Ulcer Index

3.57

Drawdown depth & duration

Martin Ratio

0.08

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€16,154.48

Backtest Period

2024-12-09 to 2026-09-04
1.7 years

Rebalancing

none

Base Currency

EUR