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Jubilación - Gold Standard

Created byuser-xyd00k

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None Rebalancing

EUR

Moderate Risk

8.9yr backtest

Performance Summary

Total Return+251.02%

Annualized Return+15.08%

Volatility+11.19%

Sharpe Ratio1.17

Max Drawdown+18.86%

Holdings

Asset Allocation

Asset Class

Precious Metals 55.0%Equity 45.0%

Holdings Details

Gold-heavy diversified ETF portfolio blending 55% precious metals with US and European equities for inflation protection and steady long-term growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
EGLN.LSE iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	55.0%	0.12%
H4ZF.XETRA HSBC S&P 500 UCITS ETF USD • IE00B5KQNG97	IE00B5KQNG97	Dist	ETF	40.0%	0.09%
LYP6.XETRA Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753	LU0908500753	Acc	ETF	5.0%	0.07%
Total		Total			100.0%	0.11%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €35,102.44

Histogram of Monthly Returns

The portfolio had a positive return during 73 of the 108 months (68%)

Monthly Returns Heatmap

Best month: +8.1% • Worst month: -7.4% • Best year: 2024 (+32.3%) • Worst year: 2022 (-4.9%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+8.1%	+3.3%	-7.4%	+2.7%	+2.3%	-5.2%	-0.8%	+7.9%	-	-	-	-	+10.2%
2025	+5.8%	-0.9%	-1.5%	-1.7%	+2.6%	-1.3%	+4.3%	+0.7%	+7.2%	+5.1%	+2.6%	+0.6%	+25.5%
2024	+2.6%	+2.2%	+6.0%	+1.1%	+0.6%	+3.8%	+1.2%	+0.3%	+2.9%	+4.5%	+3.9%	-0.7%	+32.3%
2023	+4.2%	-1.0%	+3.0%	-0.3%	+3.1%	-0.6%	+2.0%	+0.2%	-2.1%	+1.9%	+2.5%	+1.9%	+15.6%
2022	-3.2%	+1.5%	+4.7%	+0.1%	-4.4%	-2.7%	+5.4%	-1.4%	-2.9%	+1.0%	+0.6%	-3.0%	-4.9%
2021	-0.1%	-2.1%	+4.5%	+1.8%	+2.4%	+0.5%	+2.8%	+1.6%	-1.5%	+3.6%	+2.2%	+3.2%	+20.4%
2020	+3.3%	-3.4%	-3.3%	+7.6%	+0.9%	+1.6%	+3.2%	+2.2%	-2.0%	-1.3%	-0.8%	+2.5%	+10.5%
2019	+5.1%	+2.0%	+1.4%	+1.6%	-1.6%	+5.2%	+4.1%	+3.6%	-0.4%	+0.1%	+1.2%	+1.9%	+26.7%
2018	+0.4%	-0.6%	-2.3%	+2.4%	+3.6%	-1.7%	-0.0%	+1.1%	-0.1%	+0.0%	+0.5%	-2.4%	+0.8%
2017	-	-	-	-	-	-	-	-	+0.4%	+1.9%	-0.7%	+1.1%	+2.7%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +18.86% • The longest drawdown period lasted for 1 year and 1 month and was between April 2022 and June 2023. It reached a trough of -9.2%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (40.0% of total allocation)

Total Dividends Received

€923.74

19 payments

Dividend Yield

0.57%

(annualized)

Avg Per Payment

€48.62

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	€120.84	0.36%	2
2025	€120.02	0.43%	2
2024	€115.63	0.52%	2
2023	€107.45	0.60%	2
2022	€97.94	0.57%	2
2021	€78.69	0.50%	2
2020	€136.65	0.98%	3
2019	€79.61	0.67%	2
2018	€66.92	0.64%	2
Total	€923.74	0.57%	19

Detailed Metrics

Returns

Total Return

+251.02%

Annualized Return

+15.08%

Avg Monthly Return

+1.21%

Risk

Volatility (Annual)

+11.19%

Max Drawdown

+18.86%

Positive Months

68%

Average Drawdown

-2.9%

Risk-Adjusted

Sharpe Ratio

1.17

Risk-free rate: 2.0%

Sortino Ratio

1.11

Downside risk adjusted

Return/Volatility

1.35

Calmar Ratio

0.80

Return/Max Drawdown

Ulcer Index

3.64

Drawdown depth & duration

Martin Ratio

0.04

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€35,102.44

Backtest Period

2017-09-19 to 2026-08-28
8.9 years

Rebalancing

none

Base Currency

EUR