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Annual Rebalancing

GBP

Low Risk

7.2yr backtest

Performance Summary

Total Return+68.01%

Annualized Return+7.42%

Volatility+7.96%

Sharpe Ratio0.68

Max Drawdown+11.85%

Holdings

Asset Allocation

Asset Class

Equity 50.0%Bonds 25.0%Money Market 15.0%Precious Metals 10.0%

Holdings Details

A diversified ETF portfolio blending global stocks, emerging markets, UK gilts, money market, and gold for balanced growth and stability.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
HMWO.LSE HSBC MSCI World UCITS ETF USD • IE00B4X9L533	IE00B4X9L533	Dist	ETF	30.0%	0.15%
AUEG.LSE Amundi MSCI Emerging Markets Swap UCITS ETF USD Acc • LU1681045453	LU1681045453	Acc	ETF	20.0%	0.2%
CSH2.LSE Amundi Smart Overnight Return UCITS ETF GBP Hedged Acc • LU1230136894	LU1230136894	Acc	ETF	15.0%	0.1%
GLT5.LSE Invesco UK Gilt 1-5 Year UCITS ETF Dist • IE00BG0TQ445	IE00BG0TQ445	Dist	ETF	15.0%	0.06%
SGLN.LSE iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	10.0%	0.12%
VGOV.LSE Vanguard U.K. Gilt UCITS ETF (GBP) Distributing • IE00B42WWV65	IE00B42WWV65	Dist	ETF	10.0%	0.05%
Total		Total			100.0%	0.13%

Performance

Portfolio Value Over Time

Starting with £10,000 investment → now worth £16,800.5

Histogram of Monthly Returns

The portfolio had a positive return during 53 of the 88 months (60%)

Monthly Returns Heatmap

Best month: +4.6% • Worst month: -5.6% • Best year: 2025 (+14.6%) • Worst year: 2022 (-7.5%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.5%	+3.4%	-5.6%	+4.2%	+4.1%	+0.5%	-	-	-	-	-	-	+9.1%
2025	+3.0%	-1.2%	-1.8%	-0.6%	+1.9%	+1.8%	+3.0%	+0.1%	+3.7%	+3.9%	-0.2%	+0.2%	+14.6%
2024	-0.6%	+1.9%	+2.7%	-0.4%	+0.4%	+2.5%	+0.2%	-0.1%	+1.3%	+1.1%	+1.7%	-0.6%	+10.3%
2023	+3.2%	-2.1%	+1.4%	-0.9%	-0.7%	+0.8%	+2.0%	-1.2%	-0.2%	-0.9%	+2.6%	+3.0%	+7.1%
2022	-2.7%	-0.6%	+1.6%	-1.4%	-1.4%	-2.1%	+2.0%	+0.1%	-3.9%	-0.4%	+3.0%	-1.7%	-7.5%
2021	-0.3%	-1.5%	+1.2%	+1.8%	+0.1%	+1.5%	-0.4%	+1.5%	-1.3%	+0.8%	+1.1%	+0.4%	+4.9%
2020	-0.5%	-1.9%	-3.7%	+4.6%	+2.9%	+2.7%	+0.4%	+1.6%	+0.3%	-1.1%	+2.9%	+2.4%	+10.8%
2019	-	-	-0.5%	+1.0%	-0.6%	+3.4%	+2.8%	-0.6%	+0.3%	-1.8%	+0.6%	+1.3%	+5.9%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +11.85% • The longest drawdown period lasted for 2 years and 3 months and was between November 2021 and March 2024. It reached a trough of -11.4%.

Dividend Income

Summary

This portfolio contains 3 distributing ETFs (55.0% of total allocation)

Total Dividends Received

£242.96

146 payments

Dividend Yield

0.27%

(annualized)

Avg Per Payment

£1.66

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	£34.90	0.22%	10
2025	£63.53	0.45%	20
2024	£50.63	0.39%	20
2023	£38.04	0.33%	20
2022	£18.67	0.16%	20
2021	£12.83	0.11%	20
2020	£12.55	0.11%	20
2019	£11.74	0.11%	16
Total	£242.96	0.27%	146

Detailed Metrics

Returns

Total Return

+68.01%

Annualized Return

+7.42%

Avg Monthly Return

+0.61%

Risk

Volatility (Annual)

+7.96%

Max Drawdown

+11.85%

Positive Months

60%

Average Drawdown

-3.0%

Risk-Adjusted

Sharpe Ratio

0.68

Risk-free rate: 2.0%

Sortino Ratio

0.64

Downside risk adjusted

Return/Volatility

0.93

Calmar Ratio

0.63

Return/Max Drawdown

Ulcer Index

3.88

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

£10,000

Final Value

£16,800.5

Backtest Period

2019-03-21 to 2026-06-19
7.2 years

Rebalancing

annual

Base Currency

GBP