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My Portfolio

Created byuser-xwp168
Annual Rebalancing
EUR
Moderate Risk
Multi-currency
1.9yr backtest

Performance Summary

Total Return+29.16%
Annualized Return+14.60%
Volatility+11.91%
Sharpe Ratio1.06
Max Drawdown+16.28%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Bonds 20.0%
Holdings Details
Diversified ETF portfolio with 80% global equity exposure and 20% in European government bonds for balanced, long-term growth.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
55.0%0.19%
EIMI.LSE
iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66
ETF
25.0%0.18%
28IY.PA
iShares iBonds Dec 2028 Term EUR Italy Government Bond UCITS ETF EUR (Dist) • IE000Q2EQ5K8
ETF
10.0%0.12%
AK8G.XETRA
Amundi Fixed Maturity 2027 German Bund Government Bond UCITS ETF Dist • LU2780871823
ETF
10.0%0.09%
Total100.0%0.17%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €12,916.1
Histogram of Monthly Returns
The portfolio had a positive return during 15 of the 23 months (65%)
Monthly Returns Heatmap
Best month: +8.1% • Worst month: -5.7% • Best year: 2026 (+11.5%) • Worst year: 2024 (+5.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.3%+2.7%-5.7%+8.1%+4.1%-------+11.5%
2025+2.8%-1.2%-4.7%-2.8%+4.3%+1.2%+3.4%+0.2%+3.1%+3.8%-0.7%+0.4%+9.8%
2024------+0.1%-0.4%+2.5%-0.2%+4.1%-0.5%+5.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +16.28% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -16.3%.

Dividend Income

Summary
This portfolio contains 2 distributing ETFs (20.0% of total allocation)

Total Dividends Received

€73.08

10 payments

Dividend Yield

0.36%

(annualized)

Avg Per Payment

€7.31

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€7.18
2025€45.48
2024€20.42
Total€73.08

Detailed Metrics

Returns
Total Return
+29.16%
Annualized Return
+14.60%
Avg Monthly Return
+1.16%
Risk
Volatility (Annual)
+11.91%
Max Drawdown
+16.28%
Positive Months
65%
Average Drawdown
-2.6%
Risk-Adjusted
Sharpe Ratio
1.06
Risk-free rate: 2.0%
Sortino Ratio
0.98
Downside risk adjusted
Return/Volatility
1.23
Calmar Ratio
0.90
Return/Max Drawdown
Ulcer Index
3.54
Drawdown depth & duration
Martin Ratio
0.04
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€12,916.1
Backtest Period
2024-07-05 to 2026-05-22
1.9 years
Rebalancing
annual
Base Currency
EUR