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Annual Rebalancing
GBP
Low Risk
7.3yr backtest

Performance Summary

Total Return+54.71%
Annualized Return+6.16%
Volatility+7.68%
Sharpe Ratio0.54
Max Drawdown+13.02%

Holdings

Asset Allocation

Asset Class

Equity 50.0%Money Market 35.0%Bonds 15.0%
Holdings Details
Diversified ETF portfolio blending global stocks, emerging markets, bonds, and money market funds for balanced growth and stability.
AssetTypeAllocationTER
CSH2.LSE
Amundi Smart Overnight Return UCITS ETF GBP Hedged Acc • LU1230136894
ETF
35.0%0.1%
HMWO.LSE
HSBC MSCI World UCITS ETF USD • IE00B4X9L533
ETF
30.0%0.15%
AUEG.LSE
Amundi MSCI Emerging Markets Swap UCITS ETF USD Acc • LU1681045453
ETF
20.0%0.2%
SLXX.LSE
iShares Core GBP Corporate Bond UCITS ETF • IE00B00FV011
ETF
5.0%0.2%
VGOV.LSE
Vanguard U.K. Gilt UCITS ETF (GBP) Distributing • IE00B42WWV65
ETF
5.0%0.05%
GLT5.LSE
Invesco UK Gilt 1-5 Year UCITS ETF Dist • IE00BG0TQ445
ETF
5.0%0.06%
Total100.0%0.14%

Performance

Portfolio Value Over Time
Starting with £10,000 investment → now worth £15,471.33
Histogram of Monthly Returns
The portfolio had a positive return during 52 of the 89 months (58%)
Monthly Returns Heatmap
Best month: +4.6% • Worst month: -4.8% • Best year: 2025 (+10.6%) • Worst year: 2022 (-7.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.3%+2.6%-4.2%+4.6%+4.1%+0.5%-0.8%-----+8.2%
2025+2.2%-1.2%-2.3%-0.9%+2.2%+2.1%+2.7%-0.0%+2.7%+3.3%-0.7%+0.3%+10.6%
2024-0.4%+2.0%+2.0%-0.7%+0.4%+2.6%-0.1%-0.2%+1.1%+0.5%+1.9%-0.2%+9.3%
2023+2.8%-1.5%+0.8%-0.6%-0.5%+1.6%+1.8%-1.1%+0.1%-1.7%+2.9%+2.9%+7.6%
2022-2.5%-1.3%+1.3%-1.6%-0.9%-2.2%+2.1%+0.3%-3.4%-0.1%+2.5%-1.5%-7.1%
2021+0.0%-0.5%+1.3%+1.5%-0.4%+2.0%-0.9%+1.6%-1.1%+0.9%+0.7%+0.6%+5.7%
2020-1.0%-2.4%-4.8%+3.8%+2.3%+2.3%+0.0%+1.9%+0.3%-1.0%+3.9%+2.0%+7.1%
2019---0.4%+1.2%-1.2%+2.8%+2.3%-1.6%+0.9%-1.4%+1.1%+1.1%+4.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +13.02% • The longest drawdown period lasted for 2 years and 2 months and was between December 2021 and February 2024. It reached a trough of -10.4%.

Dividend Income

Summary
This portfolio contains 4 distributing ETFs (45.0% of total allocation)

Total Dividends Received

£263.54

176 payments

Dividend Yield

0.31%

(annualized)

Avg Per Payment

£1.50

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£33.97
2025£62.43
2024£50.67
2023£41.30
2022£21.18
2021£16.65
2020£18.54
2019£18.72
Total£263.54

Detailed Metrics

Returns
Total Return
+54.71%
Annualized Return
+6.16%
Avg Monthly Return
+0.51%
Risk
Volatility (Annual)
+7.68%
Max Drawdown
+13.02%
Positive Months
58%
Average Drawdown
-2.8%
Risk-Adjusted
Sharpe Ratio
0.54
Risk-free rate: 2.0%
Sortino Ratio
0.50
Downside risk adjusted
Return/Volatility
0.80
Calmar Ratio
0.47
Return/Max Drawdown
Ulcer Index
3.68
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
£10,000
Final Value
£15,471.33
Backtest Period
2019-03-21 to 2026-07-09
7.3 years
Rebalancing
annual
Base Currency
GBP
live | ETF Backtest