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Growth Cow

Test 80/20 with gold

Created byuser-o5r1rw
Optimize
Annual Rebalancing
EUR
Low Risk
4.3yr backtest

Performance Summary

Total Return+36.11%
Annualized Return+7.51%
Volatility+9.69%
Sharpe Ratio0.57
Max Drawdown+14.13%

Holdings

Asset Allocation

Asset Class

Equity 65.0%Bonds 25.0%Precious Metals 10.0%
Holdings Details
Growth Cow: 80/20 diversified portfolio with stocks and gold, annually rebalanced for EUR-based investors seeking balanced growth with inflation protection.
AssetTypeAllocationTER
EUNL.XETRA
iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983
ETF
65.0%0.2%
EUNA.XETRA
iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) • IE00BDBRDM35
ETF
25.0%0.1%
8PSG.STU
Invesco Physical Gold A • IE00B579F325
ETF
10.0%0.12%
Total100.0%0.17%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €13,610.7
Histogram of Monthly Returns
The portfolio had a positive return during 35 of the 53 months (66%)
Monthly Returns Heatmap
Best month: +7.1% • Worst month: -4.7% • Best year: 2024 (+20.7%) • Worst year: 2022 (-11.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.1%+2.0%-4.6%+1.4%---------0.2%
2025+3.8%-1.2%-4.7%-2.2%+3.7%+0.4%+3.3%+0.1%+3.0%+3.5%+0.4%+0.5%+10.7%
2024+2.2%+2.3%+3.5%-1.4%+1.0%+3.6%+0.9%+0.1%+1.5%+1.2%+5.1%-1.0%+20.7%
2023+4.0%-0.4%+1.1%+0.2%+1.7%+2.0%+1.7%-0.5%-1.7%-1.8%+4.6%+3.5%+15.1%
2022-4.0%-0.8%+2.8%-2.1%-2.9%-4.4%+7.1%-2.1%-4.7%+2.5%+0.8%-3.8%-11.5%
2021-----------+0.3%+0.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +14.13% • The longest drawdown period lasted for 1 year and 11 months and was between January 2022 and December 2023. It reached a trough of -12.7%.

Detailed Metrics

Returns
Total Return
+36.11%
Annualized Return
+7.51%
Avg Monthly Return
+0.62%
Risk
Volatility (Annual)
+9.69%
Max Drawdown
+14.13%
Positive Months
66%
Average Drawdown
-4.3%
Risk-Adjusted
Sharpe Ratio
0.57
Risk-free rate: 2.0%
Sortino Ratio
0.53
Downside risk adjusted
Return/Volatility
0.78
Calmar Ratio
0.53
Return/Max Drawdown
Ulcer Index
5.13
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€13,610.7
Backtest Period
2021-12-29 to 2026-04-02
4.3 years
Rebalancing
annual
Base Currency
EUR