Moni's Future

My future

Holdings

Asset Allocation

Asset Class

Equity 80.0%Real Estate 10.0%Bonds 10.0%

Holdings Details

A diversified ETF portfolio designed for long-term growth with annual rebalancing. Ideal for EUR-based investors planning their future.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80	IE00BK5BQT80	Acc	ETF	55.0%	0.19%
VUAA.XETRA Vanguard S&P 500 UCITS ETF (USD) Accumulating • IE00BFMXXD54	IE00BFMXXD54	Acc	ETF	10.0%	0.07%
IWDP.AS iShares Developed Markets Property Yield UCITS ETF • IE00B1FZS350	IE00B1FZS350	Dist	ETF	10.0%	0.59%
EUNU.XETRA iShares Core Global Aggregate Bond UCITS ETF USD (Dist) • IE00B3F81409	IE00B3F81409	Dist	ETF	10.0%	0.1%
VHYL.AS Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10	IE00B8GKDB10	Dist	ETF	5.0%	0.29%
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31	IE00BF4RFH31	Acc	ETF	5.0%	0.35%
SPYW.XETRA State Street SPDR S&P Euro Dividend Aristocrats UCITS ETF EUR • IE00B5M1WJ87	IE00B5M1WJ87	Dist	ETF	5.0%	0.3%
Total		Total			100.0%	0.23%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €16,244.2

Histogram of Monthly Returns

The portfolio had a positive return during 47 of the 75 months (63%)

Monthly Returns Heatmap

Best month: +8.6% • Worst month: -12.1% • Best year: 2021 (+27.3%) • Worst year: 2022 (-13.1%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+1.0%	+2.8%	-4.9%	+1.8%	-	-	-	-	-	-	-	-	+0.6%
2025	+3.8%	-1.3%	-6.2%	-3.6%	+4.9%	+0.1%	+4.0%	-0.1%	+2.0%	+3.4%	-0.1%	+0.1%	+6.8%
2024	+2.1%	+2.5%	+3.4%	-1.9%	+1.1%	+3.6%	+1.4%	-0.1%	+1.5%	+0.6%	+6.1%	-1.8%	+19.8%
2023	+4.9%	+0.0%	-0.9%	+0.1%	+1.4%	+2.7%	+2.5%	-0.8%	-1.7%	-3.5%	+5.4%	+4.4%	+15.1%
2022	-4.1%	-1.8%	+3.4%	-1.7%	-3.2%	-5.7%	+8.6%	-1.9%	-6.1%	+3.4%	+1.0%	-4.9%	-13.1%
2021	+1.1%	+2.7%	+5.6%	+1.4%	-0.0%	+3.9%	+1.3%	+2.5%	-1.9%	+4.1%	+0.3%	+3.6%	+27.3%
2020	-	-9.4%	-12.1%	+8.5%	+1.5%	+1.8%	-0.7%	+4.3%	-0.8%	-1.9%	+8.3%	+1.6%	-0.8%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +31.83% • The longest drawdown period lasted for 2 years and was between January 2022 and January 2024. It reached a trough of -14.9%.

Dividend Income

Summary

This portfolio contains 4 distributing ETFs (30.0% of total allocation)

Total Dividends Received

€690.45

80 payments

Dividend Yield

0.90%

(annualized)

Avg Per Payment

€8.63

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	€20.30	0.12%	3
2025	€151.16	0.99%	12
2024	€139.80	1.00%	13
2023	€123.77	1.05%	14
2022	€97.41	0.83%	12
2021	€90.48	0.80%	14
2020	€67.57	0.74%	12
Total	€690.45	0.90%	80

Detailed Metrics

Returns

Total Return

+62.44%

Annualized Return

+8.20%

Avg Monthly Return

+0.72%

Risk

Volatility (Annual)

+14.35%

Max Drawdown

+31.83%

Positive Months

63%

Average Drawdown

-5.9%

Risk-Adjusted

Sharpe Ratio

0.43

Risk-free rate: 2.0%

Sortino Ratio

0.39

Downside risk adjusted

Return/Volatility

0.57

Calmar Ratio

0.26

Return/Max Drawdown

Ulcer Index

7.49

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€16,244.2

Backtest Period

2020-02-04 to 2026-04-02
6.2 years

Rebalancing

annual

Base Currency

EUR

Performance Summary

Holdings

Performance

Dividend Income

Detailed Metrics