HomePortfoliosIE000AK4O3W6
Optimize FIRE Projection
None Rebalancing
EUR
Low Risk
4.3yr backtest

Performance Summary

Total Return+42.94%
Annualized Return+8.72%
Volatility+7.27%
Sharpe Ratio0.92
Max Drawdown+11.12%

Holdings

Asset Allocation

Asset Class

Equity 69.0%Money Market 25.0%Bonds 6.0%
Holdings Details
Diversified ETF portfolio blending 69% global dividend and low-volatility equities with cash and short-term EUR bonds for steady, lower-risk growth.
AssetTypeAllocationTER
VGWE.XETRA
Vanguard FTSE All-World High Dividend Yield UCITS ETF AccIE00BK5BR626
ETF
59.0%0.29%
L8I3.XETRA
Amundi EUR Overnight Return UCITS ETF AccFR0010510800
ETF
25.0%0.1%
SXR0.XETRA
iShares Edge MSCI World Minimum Volatility UCITS ETF EUR Hedged (Acc)IE00BYXPXL17
ETF
10.0%0.35%
IE3E.XETRA
iShares EUR Corporate Bond 0-3yr ESG SRI UCITS ETF EUR (Acc)IE000AK4O3W6
ETF
6.0%0.12%
Total100.0%0.24%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €14,293.57
Histogram of Monthly Returns
The portfolio had a positive return during 36 of the 53 months (68%)
Monthly Returns Heatmap
Best month: +4.3% • Worst month: -4.3% • Best year: 2026 (+13.2%) • Worst year: 2022 (-2.6%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.4%+4.3%-3.2%+2.3%+1.8%+1.7%+1.9%+1.0%+0.6%---+13.2%
2025+3.6%+1.0%-2.5%-2.8%+2.5%-0.4%+2.0%+1.1%+0.8%+1.2%+1.5%+0.9%+9.2%
2024+1.6%+1.1%+3.1%-0.7%+0.6%+0.9%+2.3%+0.3%+0.9%-0.1%+3.6%-2.3%+11.7%
2023+1.7%-0.4%-1.0%+0.9%-1.1%+1.9%+1.9%-0.9%+0.2%-2.4%+2.5%+2.9%+6.2%
2022-----0.3%-4.3%+3.6%-0.9%-3.9%+3.8%+2.3%-2.6%-2.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +11.12% • The longest drawdown period lasted for 11 months and was between August 2022 and July 2023. It reached a trough of -6.7%.
When could this portfolio get you to financial independence?

IE000AK4O3W6 returned +8.72% a year over the 4 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.

Detailed Metrics

Returns
Total Return
+42.94%
Annualized Return
+8.72%
Avg Monthly Return
+0.70%
Risk
Volatility (Annual)
+7.27%
Max Drawdown
+11.12%
Positive Months
68%
Average Drawdown
-1.8%
Risk-Adjusted
Sharpe Ratio
0.92
Risk-free rate: 2.0%
Sortino Ratio
0.84
Downside risk adjusted
Return/Volatility
1.20
Calmar Ratio
0.78
Return/Max Drawdown
Ulcer Index
2.25
Drawdown depth & duration
Martin Ratio
0.03
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
14,293.57
Backtest Period
2022-05-27 to 2026-09-04
4.3 years
Rebalancing
none
Base Currency
EUR