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myportfolio

Created byuser-4t5pxw
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None Rebalancing
EUR
Low Risk
4.0yr backtest

Performance Summary

Total Return+26.84%
Annualized Return+6.15%
Volatility+7.52%
Sharpe Ratio0.55
Max Drawdown+10.23%

Holdings

Asset Allocation

Asset Class

Equity 25.0%Bonds 25.0%Real Estate 12.5%Money Market 12.5%Commodities 12.5%Precious Metals 12.5%
Holdings Details
Diversified global ETF portfolio blending stocks, bonds, commodities, and gold for balanced growth across multiple asset classes and regions.
AssetTypeAllocationTER
IQQ6.XETRA
iShares Developed Markets Property Yield UCITS ETF • IE00B1FZS350
ETF
12.5%0.59%
XDEM.XETRA
Xtrackers MSCI World Momentum UCITS ETF 1C • IE00BL25JP72
ETF
12.5%0.25%
IUSN.XETRA
iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31
ETF
12.5%0.35%
LU0095938881
JPMorgan Investment Funds - Global Macro Opportunities A (acc) EUR • LU0095938881
FUND
12.5%1.75%
ETLF.XETRA
L&G All Commodities UCITS ETF • IE00BF0BCP69
ETF
12.5%0.15%
CBUL.XETRA
iShares USD TIPS 0-5 UCITS ETF EUR Hedged (Dist) • IE000WIQIPT2
ETF
12.5%0.12%
EUN5.XETRA
iShares Core EUR Corporate Bond UCITS ETF (Dist) • IE00B3F81R35
ETF
12.5%0.09%
PPFB.XETRA
iShares Physical Gold ETC • IE00B4ND3602
ETF
12.5%0.12%
Total100.0%0.43%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €12,684.45
Histogram of Monthly Returns
The portfolio had a positive return during 29 of the 49 months (59%)
Monthly Returns Heatmap
Best month: +5.0% • Worst month: -4.0% • Best year: 2024 (+15.0%) • Worst year: 2022 (-8.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+4.6%+2.6%-4.0%+1.4%--------+4.5%
2025+3.8%-0.3%-2.3%-1.5%+1.5%-0.9%+1.9%+0.7%+3.2%+2.5%+1.2%+0.8%+11.0%
2024+1.0%+1.2%+3.5%-0.3%+0.6%+1.7%+1.2%+0.1%+1.8%+1.5%+3.6%-1.7%+15.0%
2023+2.4%-1.1%-0.1%-0.1%-0.5%-0.6%+1.7%+0.1%-1.0%-0.1%+1.2%+2.4%+4.3%
2022----0.3%-2.8%-4.0%+5.0%-1.6%-3.9%+1.3%+0.5%-2.9%-8.8%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +10.23% • The longest drawdown period lasted for 1 year and 11 months and was between April 2022 and March 2024. It reached a trough of -10.0%.

Dividend Income

Summary
This portfolio contains 3 distributing ETFs (37.5% of total allocation)

Total Dividends Received

€518.65

32 payments

Dividend Yield

1.27%

(annualized)

Avg Per Payment

€16.21

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€31.72
2025€156.68
2024€163.24
2023€127.08
2022€39.95
Total€518.65

Detailed Metrics

Returns
Total Return
+26.84%
Annualized Return
+6.15%
Avg Monthly Return
+0.51%
Risk
Volatility (Annual)
+7.52%
Max Drawdown
+10.23%
Positive Months
59%
Average Drawdown
-4.6%
Risk-Adjusted
Sharpe Ratio
0.55
Risk-free rate: 2.0%
Sortino Ratio
0.52
Downside risk adjusted
Return/Volatility
0.82
Calmar Ratio
0.60
Return/Max Drawdown
Ulcer Index
5.33
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€12,684.45
Backtest Period
2022-04-08 to 2026-04-02
4.0 years
Rebalancing
none
Base Currency
EUR