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None Rebalancing
EUR
Low Risk
4.3yr backtest

Performance Summary

Total Return+48.44%
Annualized Return+9.54%
Volatility+7.45%
Sharpe Ratio1.01
Max Drawdown+10.17%

Holdings

Asset Allocation

Asset Class

Money Market 36.5%Equity 19.1%Precious Metals 17.8%Bonds 15.2%Commodities 8.2%Cryptocurrencies 3.2%
Holdings Details
A diversified ETF portfolio blending short-term bonds, gold, Nasdaq, commodities, and select themes like semiconductors and Bitcoin for strategic growth.
AssetTypeAllocationTER
C3M.PA
Amundi Euro Government Bond 0-6 M UCITS ETF AccFR0010754200
ETF
36.5%0.14%
PPFB.XETRA
iShares Physical Gold ETCIE00B4ND3602
ETF
17.8%0.12%
VGEA.XETRA
Vanguard EUR Eurozone Government Bond UCITS ETF AccumulatingIE00BH04GL39
ETF
15.2%0.07%
CNDX.LSE
iShares Nasdaq 100 UCITS ETF (Acc)IE00B53SZB19
ETF
11.4%0.3%
EXXY.XETRA
iShares Diversified Commodity Swap UCITS ETF (DE)DE000A0H0728
ETF
8.2%0.46%
VVSM.XETRA
VanEck Semiconductor UCITS ETFIE00BMC38736
ETF
6.1%0.35%
WBIT.XETRA
WisdomTree Physical BitcoinGB00BJYDH287
ETF
3.2%0.15%
ISAE.AS
iShares Agribusiness UCITS ETFIE00B6R52143
ETF
1.6%0.55%
Total100.0%0.19%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €14,844.11
Histogram of Monthly Returns
The portfolio had a positive return during 34 of the 54 months (63%)
Monthly Returns Heatmap
Best month: +5.6% • Worst month: -3.6% • Best year: 2024 (+17.6%) • Worst year: 2022 (-7.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+5.6%+1.0%-3.5%+1.2%--------+4.1%
2025+3.3%-1.8%-0.8%-0.1%+2.3%+0.5%+2.4%-0.1%+4.8%+3.9%+0.4%+1.0%+16.8%
2024+1.1%+2.3%+3.4%+0.1%+1.1%+2.1%-0.3%-0.5%+2.2%+1.8%+3.0%+0.1%+17.6%
2023+2.9%-0.8%+2.6%-0.9%+2.3%+0.1%+1.5%-0.1%-1.2%+1.4%+1.6%+2.0%+12.0%
2022-1.8%+1.3%+2.6%-1.0%-2.1%-3.6%+3.4%-1.7%-2.5%-0.4%+0.9%-2.4%-7.3%
2021----------+0.0%+0.1%+0.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +10.17% • The longest drawdown period lasted for 1 year and 9 months and was between March 2022 and December 2023. It reached a trough of -10.2%.

Detailed Metrics

Returns
Total Return
+48.44%
Annualized Return
+9.54%
Avg Monthly Return
+0.75%
Risk
Volatility (Annual)
+7.45%
Max Drawdown
+10.17%
Positive Months
63%
Average Drawdown
-3.3%
Risk-Adjusted
Sharpe Ratio
1.01
Risk-free rate: 2.0%
Sortino Ratio
0.95
Downside risk adjusted
Return/Volatility
1.28
Calmar Ratio
0.94
Return/Max Drawdown
Ulcer Index
4.00
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
14,844.11
Backtest Period
2021-11-30 to 2026-04-02
4.3 years
Rebalancing
none
Base Currency
EUR