HomePortfoliosHoly Ark

Holy Ark

Created byuser-io8qur
Optimize FIRE Projection
Annual Rebalancing
EUR
Moderate Risk
Multi-currency
4.9yr backtest

Performance Summary

Total Return+176.80%
Annualized Return+22.85%
Volatility+12.49%
Sharpe Ratio1.67
Max Drawdown+19.76%

Holdings

Asset Allocation

Asset Class

Equity 60.0%Bonds 25.0%Cryptocurrencies 10.0%Commodities 5.0%
Holdings Details
A diversified ETF portfolio blending global stocks, bonds, crypto, and commodities for balanced growth across major asset classes.
AssetTypeAllocationTER
VWRL.AS
Vanguard FTSE All-World UCITS ETF (USD) Distributing • IE00B3RBWM25
ETF
30.0%0.19%
VGWD.XETRA
Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10
ETF
20.0%0.29%
IBCC.XETRA
iShares USD Treasury Bond 0-1yr UCITS ETF USD (Dist) • IE00BGR7L912
ETF
15.0%0.07%
SYBD.XETRA
State Street SPDR Bloomberg 0-3 Year Euro Corporate Bond UCITS ETF EUR Unhedged (Dist) • IE00BC7GZW19
ETF
10.0%0.2%
VVSM.XETRA
VanEck Semiconductor UCITS ETF • IE00BMC38736
ETF
10.0%0.35%
ASOL.XETRA
21shares Solana Staking ETP • CH1114873776
ETF
7.5%2.5%
EXXY.XETRA
iShares Diversified Commodity Swap UCITS ETF (DE) • DE000A0H0728
ETF
5.0%0.46%
BTC-USD
Bitcoin
CRYPTO
2.5%-
Total100.0%0.39%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €27,679.79
Histogram of Monthly Returns
The portfolio had a positive return during 35 of the 61 months (57%)
Monthly Returns Heatmap
Best month: +26.5% • Worst month: -6.0% • Best year: 2023 (+93.3%) • Worst year: 2022 (-14.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.3%-0.5%-2.1%+7.2%+5.5%+2.4%-2.9%+3.2%+0.6%---+16.3%
2025+5.0%-5.1%-5.7%-3.3%+4.9%+0.4%+4.5%+0.6%+2.5%+3.4%-2.2%-0.0%+4.3%
2024+2.3%+5.9%+7.0%-4.7%+3.5%+1.8%+1.5%-4.2%+2.5%+2.1%+10.2%-3.0%+26.8%
2023+15.7%-0.2%-0.7%-0.2%+2.2%-0.0%+5.5%-2.8%+0.1%+9.8%+16.1%+26.5%+93.3%
2022-5.6%-0.3%+4.6%-1.5%-4.0%-6.0%+7.1%-1.8%-3.5%+2.0%-0.3%-4.8%-14.1%
2021---------0.7%+7.0%+1.9%+0.0%+8.4%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +19.76% • The longest drawdown period lasted for 1 year and 7 months and was between November 2021 and July 2023. It reached a trough of -16.7%.
When could this portfolio get you to financial independence?

Holy Ark returned +22.85% a year over the 5 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Dividend Income

Summary
This portfolio contains 4 distributing ETFs (75.0% of total allocation)

Total Dividends Received

€1,521.03

57 payments

Dividend Yield

1.79%

(annualized)

Avg Per Payment

€26.68

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€269.79
2025€444.98
2024€439.91
2023€188.49
2022€148.94
2021€28.90
Total€1,521.03

Detailed Metrics

Returns
Total Return
+176.80%
Annualized Return
+22.85%
Avg Monthly Return
+1.83%
Risk
Volatility (Annual)
+12.49%
Max Drawdown
+19.76%
Positive Months
57%
Average Drawdown
-5.1%
Risk-Adjusted
Sharpe Ratio
1.67
Risk-free rate: 2.0%
Sortino Ratio
1.75
Downside risk adjusted
Return/Volatility
1.83
Calmar Ratio
1.16
Return/Max Drawdown
Ulcer Index
6.42
Drawdown depth & duration
Martin Ratio
0.03
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€27,679.79
Backtest Period
2021-09-23 to 2026-09-04
4.9 years
Rebalancing
annual
Base Currency
EUR