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None Rebalancing
USD
Moderate Risk
6.9yr backtest

Performance Summary

Total Return+97.79%
Annualized Return+10.33%
Volatility+11.27%
Sharpe Ratio0.74
Max Drawdown+21.18%

Holdings

Asset Allocation

Asset Class

Equity 60.0%Bonds 33.0%Precious Metals 7.0%
Holdings Details
A diversified ETF portfolio blending 60% global stocks, 33% US Treasury bonds, and 7% gold for balanced, long-term growth.
AssetTypeAllocationTER
VWRA.LSE
Vanguard FTSE All-World UCITS ETF (USD) AccumulatingIE00BK5BQT80
ETF
60.0%0.19%
IB01.LSE
iShares USD Treasury Bond 0-1yr UCITS ETF (Acc)IE00BGSF1X88
ETF
16.0%0.07%
CBU0.LSE
iShares USD Treasury Bond 7-10yr UCITS ETF (Acc)IE00B3VWN518
ETF
10.0%0.07%
IGLN.LSE
iShares Physical Gold ETCIE00B4ND3602
ETF
7.0%0.12%
DTLA.LSE
iShares USD Treasury Bond 20+yr UCITS ETF USD (Acc)IE00BFM6TC58
ETF
7.0%0.07%
Total100.0%0.15%

Performance

Portfolio Value Over Time
Starting with $10,000 investment → now worth $19,779.26
Histogram of Monthly Returns
The portfolio had a positive return during 55 of the 85 months (65%)
Monthly Returns Heatmap
Best month: +7.2% • Worst month: -7.1% • Best year: 2025 (+22.3%) • Worst year: 2022 (-15.0%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.4%+1.9%-7.1%+7.2%+3.8%-1.9%+0.7%-----+7.5%
2025+3.2%-1.1%-1.6%+1.2%+4.0%+3.4%+1.4%+1.9%+3.6%+2.3%+0.7%+1.4%+22.3%
2024+0.5%+2.1%+3.2%-2.1%+2.2%+2.7%+1.5%+1.8%+2.4%-1.3%+2.4%-1.7%+14.3%
2023+5.3%-2.4%+2.9%+1.3%-1.1%+3.7%+2.5%-2.0%-3.5%-2.1%+6.9%+4.3%+16.4%
2022-4.1%-0.9%+1.3%-5.8%-1.4%-5.6%+4.3%-2.6%-6.5%+2.1%+4.9%-1.0%-15.0%
2021-0.5%-0.1%+1.4%+3.1%+1.7%+0.5%+1.1%+1.5%-2.9%+3.0%-1.2%+2.6%+10.6%
2020+0.5%-4.8%-5.1%+5.6%+1.9%+2.5%+4.1%+3.4%-2.0%-2.1%+6.7%+3.3%+13.8%
2019-------0.1%-0.2%+0.9%+1.7%+1.4%+2.0%+5.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +21.18% • The longest drawdown period lasted for 2 years and 3 months and was between November 2021 and February 2024. It reached a trough of -21.2%.

Detailed Metrics

Returns
Total Return
+97.79%
Annualized Return
+10.33%
Avg Monthly Return
+0.85%
Risk
Volatility (Annual)
+11.27%
Max Drawdown
+21.18%
Positive Months
65%
Average Drawdown
-4.8%
Risk-Adjusted
Sharpe Ratio
0.74
Risk-free rate: 2.0%
Sortino Ratio
0.69
Downside risk adjusted
Return/Volatility
0.92
Calmar Ratio
0.49
Return/Max Drawdown
Ulcer Index
6.49
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
$10,000
Final Value
$19,779.26
Backtest Period
2019-07-26 to 2026-07-03
6.9 years
Rebalancing
none
Base Currency
USD
My portfolio | +10.3% CAGR | ETF Backtest