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mit devensifseite

Created byuser-0piyh2

FIRE Projection

Quarterly Rebalancing

EUR

Moderate Risk

1.9yr backtest

Performance Summary

Total Return+29.67%

Annualized Return+14.43%

Volatility+10.67%

Sharpe Ratio1.16

Max Drawdown+15.86%

Holdings

Asset Allocation

Asset Class

Equity 75.0%Bonds 18.0%Precious Metals 5.0%Commodities 2.0%

Holdings Details

Diversified ETF portfolio blending 73% global equities with EUR bonds and gold for balanced long-term growth and stability.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
SPYI.XETRA SPDR MSCI All Country World Investable Market UCITS ETF (Acc) • IE00B3YLTY66	IE00B3YLTY66	Acc	ETF	43.1%	0.17%
GERD.XETRA L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating • IE0001UQQ933	IE0001UQQ933	Acc	ETF	18.8%	0.45%
VHYL.AS Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10	IE00B8GKDB10	Dist	ETF	11.2%	0.29%
EXHA.XETRA iShares eb.rexx Government Germany UCITS ETF (DE) • DE0006289465	DE0006289465	Dist	ETF	5.0%	0.16%
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	5.0%	0.12%
IUS6.XETRA iShares Euro Covered Bond UCITS ETF • IE00B3B8Q275	IE00B3B8Q275	Dist	ETF	2.5%	0.2%
EFRN.XETRA iShares EUR Floating Rate Bond Advanced UCITS ETF EUR (Dist) • IE00BF5GB717	IE00BF5GB717	Dist	ETF	2.5%	0.1%
EUNT.XETRA iShares EUR Corporate Bond 1-5yr UCITS ETF EUR (Dist) • IE00B4L60045	IE00B4L60045	Dist	ETF	2.0%	0.2%
SYBD.XETRA State Street SPDR Bloomberg 0-3 Year Euro Corporate Bond UCITS ETF EUR Unhedged (Dist) • IE00BC7GZW19	IE00BC7GZW19	Dist	ETF	2.0%	0.2%
IBCI.XETRA iShares Euro Inflation Linked Government Bond UCITS ETF • IE00B0M62X26	IE00B0M62X26	Acc	ETF	2.0%	0.09%
CBUL.XETRA iShares USD TIPS 0-5 UCITS ETF EUR Hedged (Dist) • IE000WIQIPT2	IE000WIQIPT2	Dist	ETF	2.0%	0.12%
PCOM.XETRA WisdomTree Broad Commodities UCITS ETF USD Unhedged Acc • IE00BKY4W127	IE00BKY4W127	Acc	ETF	2.0%	0.19%
SMH.PA VanEck Semiconductor UCITS ETF • IE00BMC38736	IE00BMC38736	Acc	ETF	1.9%	0.35%
Total		Total			100.0%	0.23%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €12,966.72

Histogram of Monthly Returns

The portfolio had a positive return during 16 of the 24 months (67%)

Monthly Returns Heatmap

Best month: +6.3% • Worst month: -4.7% • Best year: 2026 (+13.9%) • Worst year: 2024 (+2.8%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.6%	+2.5%	-4.5%	+6.3%	+4.6%	+1.3%	-1.2%	+2.0%	-0.1%	-	-	-	+13.9%
2025	+3.8%	-1.1%	-4.7%	-3.1%	+4.4%	+0.6%	+3.4%	+0.2%	+2.5%	+3.5%	+0.3%	+0.7%	+10.7%
2024	-	-	-	-	-	-	-	-	-	-0.7%	+5.0%	-1.5%	+2.8%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +15.86% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -15.9%.

Dividend Income

Summary

This portfolio contains 7 distributing ETFs (27.2% of total allocation)

Total Dividends Received

€155.20

35 payments

Dividend Yield

0.72%

(annualized)

Avg Per Payment

€4.43

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	€56.99	0.46%	13
2025	€78.47	0.74%	18
2024	€19.71	0.19%	4
Total	€155.20	0.72%	35

Detailed Metrics

Returns

Total Return

+29.67%

Annualized Return

+14.43%

Avg Monthly Return

+1.13%

Risk

Volatility (Annual)

+10.67%

Max Drawdown

+15.86%

Positive Months

67%

Average Drawdown

-2.4%

Risk-Adjusted

Sharpe Ratio

1.16

Risk-free rate: 2.0%

Sortino Ratio

1.10

Downside risk adjusted

Return/Volatility

1.35

Calmar Ratio

0.91

Return/Max Drawdown

Ulcer Index

3.42

Drawdown depth & duration

Martin Ratio

0.04

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€12,966.72

Backtest Period

2024-10-07 to 2026-09-11
1.9 years

Rebalancing

quarterly

Base Currency

EUR