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Growth4

Created byuser-bhw25e

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None Rebalancing

EUR

Moderate Risk

2.3yr backtest

Performance Summary

Total Return+45.85%

Annualized Return+18.14%

Volatility+14.03%

Sharpe Ratio1.15

Max Drawdown+20.91%

Holdings

Asset Allocation

Asset Class

Equity 100.0%

Holdings Details

Diversified global equity portfolio with 50% US S&P 500, 40% international, and 10% small-cap ETFs for broad market growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
SXR8.XETRA iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087	IE00B5BMR087	Acc	ETF	50.0%	0.07%
IS3N.XETRA iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66	IE00BKM4GZ66	Acc	ETF	20.0%	0.18%
EXUS.XETRA Xtrackers MSCI World ex USA UCITS ETF 1C • IE0006WW1TQ4	IE0006WW1TQ4	Acc	ETF	20.0%	0.15%
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31	IE00BF4RFH31	Acc	ETF	10.0%	0.35%
Total		Total			100.0%	0.14%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €14,585.13

Histogram of Monthly Returns

The portfolio had a positive return during 19 of the 28 months (68%)

Monthly Returns Heatmap

Best month: +9.1% • Worst month: -6.7% • Best year: 2026 (+16.0%) • Worst year: 2025 (+9.8%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.1%	+2.5%	-6.0%	+9.1%	+6.1%	+1.8%	-	-	-	-	-	-	+16.0%
2025	+3.9%	-2.2%	-6.7%	-4.1%	+6.0%	+1.3%	+4.6%	-0.1%	+3.0%	+4.4%	-0.4%	+0.5%	+9.8%
2024	-	-	+2.7%	-1.5%	+1.0%	+4.5%	+0.6%	-0.7%	+2.1%	+0.5%	+6.0%	-1.3%	+14.5%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +20.91% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -20.9%.

Detailed Metrics

Returns

Total Return

+45.85%

Annualized Return

+18.14%

Avg Monthly Return

+1.42%

Risk

Volatility (Annual)

+14.03%

Max Drawdown

+20.91%

Positive Months

68%

Average Drawdown

-3.3%

Risk-Adjusted

Sharpe Ratio

1.15

Risk-free rate: 2.0%

Sortino Ratio

1.06

Downside risk adjusted

Return/Volatility

1.29

Calmar Ratio

0.87

Return/Max Drawdown

Ulcer Index

4.46

Drawdown depth & duration

Martin Ratio

0.04

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€14,585.13

Backtest Period

2024-03-14 to 2026-06-19
2.3 years

Rebalancing

none

Base Currency

EUR