Quarterly Rebalancing
EUR
Moderate Risk
5.6yr backtest

Performance Summary

Total Return+183.78%
Annualized Return+20.54%
Volatility+15.34%
Sharpe Ratio1.21
Max Drawdown+26.05%

Holdings

Asset Allocation

Asset Class

Equity 95.0%Cryptocurrencies 5.0%
Holdings Details
A diversified ETF portfolio for growth: 75% S&P 500, 20% semiconductors, and 5% Bitcoin for strategic market exposure.
AssetTypeAllocationTER
SXR8.F
iShares Core S&P 500 UCITS ETF USD (Acc)IE00B5BMR087
ETF
75.0%0.07%
VVSM.DU
VanEck Semiconductor UCITS ETFIE00BMC38736
ETF
20.0%0.35%
BTC-EUR
Bitcoin EUR Price
CRYPTO
5.0%-
Total100.0%0.12%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €28,378
Histogram of Monthly Returns
The portfolio had a positive return during 41 of the 68 months (60%)
Monthly Returns Heatmap
Best month: +14.1% • Worst month: -9.2% • Best year: 2024 (+38.5%) • Worst year: 2022 (-21.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.6%-0.5%-3.7%+14.1%+10.8%+2.9%-3.4%+2.3%+0.6%---+26.0%
2025+3.2%-5.7%-9.2%-4.2%+8.2%+3.6%+6.6%-1.8%+4.5%+6.5%-1.9%+0.0%+8.4%
2024+5.0%+6.7%+5.3%-3.2%+2.9%+6.5%-2.2%-0.8%+0.5%+4.2%+8.3%+0.4%+38.5%
2023+8.2%+1.6%+2.9%-1.7%+7.1%+4.6%+2.6%-1.9%-1.5%-1.9%+7.0%+6.0%+37.4%
2022-7.5%-2.7%+7.0%-6.7%-1.0%-9.1%+12.6%-2.6%-7.7%+4.3%-0.7%-7.0%-21.1%
2021-+0.5%+8.2%+2.6%-3.5%+5.5%+3.4%+4.0%-1.8%+6.8%+3.9%+3.9%+38.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +26.05% • The longest drawdown period lasted for 1 year and 6 months and was between January 2022 and July 2023. It reached a trough of -21.7%.
When could this portfolio get you to financial independence?

Moje returned +20.54% a year over the 6 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.

Detailed Metrics

Returns
Total Return
+183.78%
Annualized Return
+20.54%
Avg Monthly Return
+1.67%
Risk
Volatility (Annual)
+15.34%
Max Drawdown
+26.05%
Positive Months
60%
Average Drawdown
-6.1%
Risk-Adjusted
Sharpe Ratio
1.21
Risk-free rate: 2.0%
Sortino Ratio
1.21
Downside risk adjusted
Return/Volatility
1.34
Calmar Ratio
0.79
Return/Max Drawdown
Ulcer Index
7.96
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
28,378
Backtest Period
2021-02-03 to 2026-09-04
5.6 years
Rebalancing
quarterly
Base Currency
EUR