FIRE Projection
None Rebalancing
EUR
High Risk
16.9yr backtest

Performance Summary

Total Return+218.80%
Annualized Return+7.11%
Volatility+30.85%
Sharpe Ratio0.17
Max Drawdown+39.45%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
A diversified ETF portfolio for long-term growth providing 100% exposure to emerging market equities through the iShares MSCI EM ETF.
AssetTypeAllocationTER
EUNM.F
iShares MSCI EM UCITS ETF (Acc)IE00B4L5YC18
ETF
100.0%0.18%
Total100.0%0.18%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €31,879.73
Histogram of Monthly Returns
The portfolio had a positive return during 120 of the 204 months (59%)
Monthly Returns Heatmap
Best month: +11.4% • Worst month: -14.3% • Best year: 2010 (+28.1%) • Worst year: 2011 (-17.6%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+6.8%+5.9%-8.0%+11.2%+8.9%+2.6%-6.9%+3.4%+0.7%---+25.3%
2025+2.0%-1.3%-2.7%-3.9%+5.2%+3.2%+3.7%-0.3%+5.9%+6.4%-2.5%+2.0%+18.4%
2024-2.1%+4.8%+2.6%+0.9%+0.4%+5.0%+0.4%-1.8%+5.1%-2.2%+0.5%+1.6%+15.8%
2023+6.8%-5.2%+0.6%-2.3%+0.8%+2.2%+4.8%-4.6%-0.5%-4.8%+5.1%+2.5%+4.7%
2022+0.6%-3.1%-1.1%-0.5%-1.7%-3.6%+1.7%+1.6%-8.6%-5.0%+9.1%-3.1%-14.0%
2021+4.2%+0.6%+1.9%-0.3%-0.1%+2.8%-5.6%+2.3%-1.5%+0.7%-1.8%+0.9%+3.8%
2020-5.1%-5.6%-14.3%+11.4%-1.9%+6.3%+3.5%+1.7%-0.3%+1.5%+9.3%+3.9%+8.0%
2019+9.5%+0.4%+1.5%+2.8%-7.5%+3.6%+0.2%-2.9%+3.3%+1.5%+0.6%+6.9%+20.7%
2018+5.3%-4.0%-2.1%+0.9%-0.8%-4.3%+2.0%-2.8%+0.4%-6.9%+4.4%-3.2%-11.2%
2017+2.8%+3.7%+2.6%+0.6%-0.1%-0.9%+1.1%+1.3%+1.2%+3.6%-0.9%+2.8%+19.2%
2016-7.4%+0.8%+8.9%-0.4%-2.1%+4.4%+4.5%+2.6%+0.8%+2.5%-0.9%+0.9%+14.7%
2015+9.5%+4.2%+2.7%+2.6%-1.0%-5.6%-5.1%-10.8%-3.4%+9.4%+1.5%-5.6%-3.8%
2014-4.6%+0.4%+4.3%-0.4%+6.6%+0.9%+3.3%+5.5%-4.5%+2.3%+0.4%-4.2%+9.7%
2013-2.1%+3.2%-1.1%-2.3%-2.2%-6.2%-0.2%-2.4%+5.5%+4.0%-1.8%-3.2%-9.1%
2012+11.1%+3.6%-3.8%-0.6%-4.9%+0.3%+6.0%-2.0%+2.5%-0.6%+0.5%+3.6%+15.8%
2011-5.4%-2.4%+2.5%-1.3%+0.4%-2.1%-0.4%-9.6%-8.8%+10.0%-0.7%+0.0%-17.6%
2010-0.6%+0.2%+10.4%+1.1%-1.6%+0.0%+1.3%+0.9%+4.1%+0.4%+5.4%+3.9%+28.1%
2009----------3.9%+2.8%+8.0%+6.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +39.45% • The longest drawdown period lasted for 5 years and 5 months and was between October 2009 and April 2015. It reached a trough of -39.5%.
When could this portfolio get you to financial independence?

Ishare EM returned +7.11% a year over the 17 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
+218.80%
Annualized Return
+7.11%
Avg Monthly Return
+0.66%
Risk
Volatility (Annual)
+30.85%
Max Drawdown
+39.45%
Positive Months
59%
Average Drawdown
-14.7%
Risk-Adjusted
Sharpe Ratio
0.17
Risk-free rate: 2.0%
Sortino Ratio
0.18
Downside risk adjusted
Return/Volatility
0.23
Calmar Ratio
0.18
Return/Max Drawdown
Ulcer Index
16.75
Drawdown depth & duration
Martin Ratio
0.00
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
31,879.73
Backtest Period
2009-10-20 to 2026-09-04
16.9 years
Rebalancing
none
Base Currency
EUR