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Mia strategia

Created byuser-szq3yt
Optimize FIRE Projection
Annual Rebalancing
EUR
Moderate Risk
7.2yr backtest

Performance Summary

Total Return+137.95%
Annualized Return+12.88%
Volatility+13.49%
Sharpe Ratio0.81
Max Drawdown+30.30%

Holdings

Asset Allocation

Asset Class

Equity 88.2%Bonds 5.9%Precious Metals 5.9%
Holdings Details
Diversified ETF portfolio with 88% global equities (US, Europe, Emerging Markets) plus bonds and gold for balanced growth and stability.
AssetTypeAllocationTER
SXR8.XETRA
iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087
ETF
52.9%0.07%
LYP6.XETRA
Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753
ETF
23.5%0.07%
LU0996177134
Amundi Index Solutions - Amundi Index MSCI Emerging Markets AE-C • LU0996177134
FUND
11.8%0.45%
IS3M.XETRA
iShares EUR Ultrashort Bond UCITS ETF EUR (Dist) • IE00BCRY6557
ETF
5.9%0.09%
GLDA.F
Amundi Physical Gold ETC C EUR • FR0013416716
ETC
5.9%0.12%
Total100.0%0.12%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €23,794.88
Histogram of Monthly Returns
The portfolio had a positive return during 60 of the 87 months (69%)
Monthly Returns Heatmap
Best month: +9.0% • Worst month: -10.2% • Best year: 2021 (+28.4%) • Worst year: 2022 (-11.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.1%+1.9%-5.8%+7.6%+5.3%+0.6%-0.8%+1.9%+0.4%---+13.5%
2025+4.3%-0.9%-5.7%-3.1%+5.1%+0.5%+3.8%-0.2%+3.5%+4.2%-0.1%+1.0%+12.5%
2024+2.2%+3.4%+3.7%-0.9%+1.4%+4.1%+0.2%-0.0%+1.8%+1.0%+4.5%-0.3%+23.1%
2023+4.5%+0.2%+0.6%+0.4%+1.7%+2.9%+2.3%-0.9%-1.5%-2.7%+5.2%+3.4%+16.8%
2022-4.2%-1.8%+3.5%-1.6%-2.8%-5.4%+7.8%-1.8%-5.5%+3.4%+1.6%-4.4%-11.4%
2021+0.7%+2.2%+5.5%+1.9%+0.5%+3.6%+1.1%+3.0%-2.2%+4.5%+0.9%+3.8%+28.4%
2020+0.1%-7.2%-10.2%+9.0%+1.6%+2.1%+0.7%+4.5%-1.4%-2.1%+7.3%+1.9%+4.9%
2019------+1.2%-1.1%+2.5%+0.3%+3.4%+2.2%+8.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +30.30% • The longest drawdown period lasted for 1 year and 10 months and was between January 2022 and November 2023. It reached a trough of -13.9%.
When could this portfolio get you to financial independence?

Mia strategia returned +12.88% a year over the 7 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (5.9% of total allocation)

Total Dividends Received

€96.02

8 payments

Dividend Yield

0.09%

(annualized)

Avg Per Payment

€12.00

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€13.85
2025€30.69
2024€34.39
2023€17.08
Total€96.02

Detailed Metrics

Returns
Total Return
+137.95%
Annualized Return
+12.88%
Avg Monthly Return
+1.06%
Risk
Volatility (Annual)
+13.49%
Max Drawdown
+30.30%
Positive Months
69%
Average Drawdown
-4.4%
Risk-Adjusted
Sharpe Ratio
0.81
Risk-free rate: 2.0%
Sortino Ratio
0.73
Downside risk adjusted
Return/Volatility
0.95
Calmar Ratio
0.43
Return/Max Drawdown
Ulcer Index
5.85
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€23,794.88
Backtest Period
2019-07-09 to 2026-09-03
7.2 years
Rebalancing
annual
Base Currency
EUR