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Created byuser-lg34hs

None Rebalancing

EUR

Moderate Risk

1.9yr backtest

Performance Summary

Total Return+36.24%

Annualized Return+18.01%

Volatility+13.65%

Sharpe Ratio1.17

Max Drawdown+20.18%

Holdings

Asset Allocation

Asset Class

Equity 92.0%Precious Metals 5.0%Real Estate 3.0%

Holdings Details

A globally diversified ETF portfolio blending 92% equities, 5% gold, and 3% real estate for robust, long-term growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80	IE00BK5BQT80	Acc	ETF	77.0%	0.19%
AVWS.XETRA Avantis Global Small Cap Value UCITS ETF USD Acc • IE0003R87OG3	IE0003R87OG3	Acc	ETF	15.0%	0.39%
4GLD.XETRA Xetra-Gold • DE000A0S9GB0	DE000A0S9GB0	Acc	ETF	5.0%	0%
H4Z7.XETRA HSBC FTSE EPRA NAREIT Developed UCITS ETF USD (Acc) • IE000G6GSP88	IE000G6GSP88	Acc	ETF	3.0%	0.24%
Total		Total			100.0%	0.21%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €13,624.01

Histogram of Monthly Returns

The portfolio had a positive return during 17 of the 23 months (74%)

Monthly Returns Heatmap

Best month: +7.5% • Worst month: -6.3% • Best year: 2026 (+16.5%) • Worst year: 2024 (+5.7%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.4%	+2.9%	-5.3%	+7.5%	+4.8%	+0.9%	-0.9%	+3.6%	-	-	-	-	+16.5%
2025	+4.4%	-2.1%	-6.3%	-4.0%	+5.7%	+0.5%	+4.4%	+0.7%	+2.8%	+3.8%	+0.4%	+0.7%	+10.6%
2024	-	-	-	-	-	-	-	-	-	+0.8%	+6.8%	-1.9%	+5.7%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +20.18% • The longest drawdown period lasted for 7 months and was between February 2025 and September 2025. It reached a trough of -20.2%.

Detailed Metrics

Returns

Total Return

+36.24%

Annualized Return

+18.01%

Avg Monthly Return

+1.42%

Risk

Volatility (Annual)

+13.65%

Max Drawdown

+20.18%

Positive Months

74%

Average Drawdown

-3.3%

Risk-Adjusted

Sharpe Ratio

1.17

Risk-free rate: 2.0%

Sortino Ratio

1.11

Downside risk adjusted

Return/Volatility

1.32

Calmar Ratio

0.89

Return/Max Drawdown

Ulcer Index

4.65

Drawdown depth & duration

Martin Ratio

0.03

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€13,624.01

Backtest Period

2024-10-01 to 2026-08-14
1.9 years

Rebalancing

none

Base Currency

EUR