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Jubilación - Compleja

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None Rebalancing

EUR

Moderate Risk

Multi-currency

7.7yr backtest

Performance Summary

Total Return+183.68%

Annualized Return+14.48%

Volatility+10.63%

Sharpe Ratio1.17

Max Drawdown+19.84%

Holdings

Asset Allocation

Asset Class

Precious Metals 40.0%Equity 35.0%Bonds 10.0%Commodities 10.0%Real Estate 5.0%

Holdings Details

Diversified ETF portfolio led by 40% gold, plus global equities, commodities, bonds, and real estate for inflation protection across all market cycles.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
EGLN.LSE iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	40.0%	0.12%
H4ZF.XETRA HSBC S&P 500 UCITS ETF USD • IE00B5KQNG97	IE00B5KQNG97	Dist	ETF	25.0%	0.09%
XHYA.XETRA Xtrackers EUR High Yield Corporate Bond UCITS ETF 1C • LU1109943388	LU1109943388	Acc	ETF	10.0%	0.2%
CMOD.LSE Invesco Bloomberg Commodity UCITS ETF Acc • IE00BD6FTQ80	IE00BD6FTQ80	Acc	ETF	10.0%	0.19%
EUNN.XETRA iShares Core MSCI Japan IMI UCITS ETF • IE00B4L5YX21	IE00B4L5YX21	Acc	ETF	5.0%	0.12%
LYP6.XETRA Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753	LU0908500753	Acc	ETF	5.0%	0.07%
TRET.XETRA VanEck Global Real Estate UCITS ETF • NL0009690239	NL0009690239	Dist	ETF	5.0%	0.25%
Total		Total			100.0%	0.13%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €28,367.59

Histogram of Monthly Returns

The portfolio had a positive return during 66 of the 93 months (71%)

Monthly Returns Heatmap

Best month: +8.2% • Worst month: -6.3% • Best year: 2024 (+26.6%) • Worst year: 2022 (-3.2%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+8.2%	+3.6%	-6.3%	+2.2%	+1.5%	-4.9%	-0.1%	+7.3%	-	-	-	-	+11.1%
2025	+5.5%	-0.2%	-0.8%	-1.8%	+1.9%	-1.5%	+3.5%	+1.0%	+6.4%	+4.6%	+2.7%	+0.5%	+23.6%
2024	+2.1%	+1.5%	+5.4%	+1.2%	+0.5%	+2.8%	+1.1%	+0.4%	+2.7%	+3.6%	+3.2%	-0.6%	+26.6%
2023	+3.5%	-1.2%	+2.1%	-0.5%	+2.1%	-0.5%	+2.2%	+0.1%	-1.4%	+1.6%	+1.7%	+1.7%	+11.8%
2022	-1.9%	+1.8%	+4.6%	+0.9%	-3.7%	-3.7%	+5.3%	-1.4%	-3.2%	+0.4%	+1.1%	-2.8%	-3.2%
2021	+0.2%	-1.3%	+3.6%	+1.7%	+2.3%	+0.5%	+2.6%	+1.2%	-0.5%	+2.8%	+1.0%	+3.1%	+18.6%
2020	+2.0%	-3.7%	-5.3%	+6.4%	+1.2%	+1.6%	+2.3%	+2.2%	-1.6%	-0.9%	+0.0%	+2.4%	+6.3%
2019	+4.9%	+1.6%	+1.4%	+1.0%	-1.4%	+4.1%	+3.2%	+3.0%	+0.1%	+0.2%	+0.8%	+1.6%	+22.2%
2018	-	-	-	-	-	-	-	-	-	-	-	-2.1%	-2.1%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +19.84% • 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%.

Dividend Income

Summary

This portfolio contains 2 distributing ETFs (30.0% of total allocation)

Total Dividends Received

€621.10

47 payments

Dividend Yield

0.49%

(annualized)

Avg Per Payment

€13.21

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

Year	Dividends	Yield	Payments
2026	€78.05	0.28%	4
2025	€88.49	0.39%	6
2024	€84.34	0.45%	6
2023	€79.72	0.52%	6
2022	€77.92	0.51%	6
2021	€55.02	0.40%	6
2020	€95.61	0.78%	7
2019	€61.95	0.56%	6
Total	€621.10	0.49%	47

Detailed Metrics

Returns

Total Return

+183.68%

Annualized Return

+14.48%

Avg Monthly Return

+1.16%

Risk

Volatility (Annual)

+10.63%

Max Drawdown

+19.84%

Positive Months

71%

Average Drawdown

-3.0%

Risk-Adjusted

Sharpe Ratio

1.17

Risk-free rate: 2.0%

Sortino Ratio

1.09

Downside risk adjusted

Return/Volatility

1.36

Calmar Ratio

0.73

Return/Max Drawdown

Ulcer Index

3.84

Drawdown depth & duration

Martin Ratio

0.03

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€28,367.59

Backtest Period

2018-12-11 to 2026-08-28
7.7 years

Rebalancing

none

Base Currency

EUR