HomePortfoliosJubilación

Jubilación

Created byuser-xyd00k
Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
Multi-currency
7.2yr backtest

Performance Summary

Total Return+173.33%
Annualized Return+14.91%
Volatility+11.53%
Sharpe Ratio1.12
Max Drawdown+18.90%

Holdings

Asset Allocation

Asset Class

Precious Metals 50.0%Equity 35.0%Bonds 5.0%Real Estate 5.0%Commodities 5.0%
Holdings Details
Gold-heavy diversified ETF portfolio blending 50% precious metals with global equities, bonds, real estate and commodities for inflation protection.
AssetTypeAllocationTER
EGLN.LSE
iShares Physical Gold ETC • IE00B4ND3602
ETF
50.0%0.12%
UETW.XETRA
UBS Core MSCI World UCITS ETF USD acc • IE00BD4TXV59
ETF
35.0%0.06%
XHYA.XETRA
Xtrackers EUR High Yield Corporate Bond UCITS ETF 1C • LU1109943388
ETF
5.0%0.2%
TRET.XETRA
VanEck Global Real Estate UCITS ETF • NL0009690239
ETF
5.0%0.25%
CMOD.LSE
Invesco Bloomberg Commodity UCITS ETF Acc • IE00BD6FTQ80
ETF
5.0%0.19%
Total100.0%0.11%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €27,332.68
Histogram of Monthly Returns
The portfolio had a positive return during 59 of the 88 months (67%)
Monthly Returns Heatmap
Best month: +9.3% • Worst month: -7.3% • Best year: 2024 (+28.4%) • Worst year: 2022 (-2.7%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+9.3%+4.1%-7.3%+1.5%+1.2%-5.8%-0.2%+7.6%-1.4%---+8.2%
2025+6.1%+0.0%+0.1%-1.2%+1.7%-1.9%+3.5%+1.2%+7.3%+4.8%+3.1%+0.7%+28.0%
2024+2.0%+1.4%+6.0%+1.7%+0.5%+2.5%+1.5%+0.6%+3.0%+4.1%+2.8%-0.8%+28.4%
2023+4.0%-1.5%+2.6%-0.4%+2.1%-1.3%+2.1%-0.2%-1.6%+2.4%+1.7%+1.6%+11.9%
2022-2.1%+2.2%+4.4%+1.0%-4.1%-2.9%+4.5%-1.5%-2.9%+0.0%+1.5%-2.4%-2.7%
2021-0.1%-2.2%+3.5%+1.7%+2.9%-0.2%+2.7%+0.9%-0.9%+2.9%+1.2%+2.9%+16.1%
2020+2.8%-3.1%-4.4%+6.6%+0.9%+1.8%+2.9%+1.6%-1.8%-1.0%-0.9%+2.7%+7.8%
2019-----+3.4%+3.3%+3.8%-0.4%+0.2%+0.4%+1.6%+12.9%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +18.90% • The longest drawdown period lasted for 1 year and 7 months and was between April 2022 and November 2023. It reached a trough of -9.3%.
When could this portfolio get you to financial independence?

Jubilación returned +14.91% a year over the 7 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 1 distributing ETF (5.0% of total allocation)

Total Dividends Received

€141.45

30 payments

Dividend Yield

0.12%

(annualized)

Avg Per Payment

€4.71

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€16.42
2025€21.12
2024€19.52
2023€19.37
2022€22.55
2021€11.05
2020€19.26
2019€12.16
Total€141.45

Detailed Metrics

Returns
Total Return
+173.33%
Annualized Return
+14.91%
Avg Monthly Return
+1.19%
Risk
Volatility (Annual)
+11.53%
Max Drawdown
+18.90%
Positive Months
67%
Average Drawdown
-3.4%
Risk-Adjusted
Sharpe Ratio
1.12
Risk-free rate: 2.0%
Sortino Ratio
1.04
Downside risk adjusted
Return/Volatility
1.29
Calmar Ratio
0.79
Return/Max Drawdown
Ulcer Index
4.15
Drawdown depth & duration
Martin Ratio
0.03
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€27,332.68
Backtest Period
2019-06-11 to 2026-09-04
7.2 years
Rebalancing
none
Base Currency
EUR