Nahim

Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
9.8yr backtest

Performance Summary

Total Return+149.75%
Annualized Return+9.77%
Volatility+16.96%
Sharpe Ratio0.46
Max Drawdown+32.66%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
Global equity portfolio with 90% emerging markets and 10% US S&P 500 ETF exposure for targeted growth.
AssetTypeAllocationTER
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITSIE00BKM4GZ66
ETF
90.0%0.18%
SP500E.SW
UBS Core S&P 500 UCITS ETF hEUR accIE00BD34DK07
ETF
10.0%0.06%
Total100.0%0.17%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €24,975.19
Histogram of Monthly Returns
The portfolio had a positive return during 73 of the 119 months (61%)
Monthly Returns Heatmap
Best month: +12.5% • Worst month: -13.7% • Best year: 2026 (+23.0%) • Worst year: 2022 (-15.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+6.2%+4.8%-9.1%+12.5%+8.2%+1.2%-6.3%+4.3%+1.1%---+23.0%
2025+2.2%-1.1%-3.2%-3.5%+4.9%+3.5%+3.9%+0.1%+5.4%+5.1%-1.8%+0.8%+16.9%
2024-0.9%+3.5%+3.0%+0.8%-0.3%+5.3%-0.1%-1.1%+4.5%-1.4%+1.4%-0.5%+15.1%
2023+6.1%-3.9%+0.8%-1.9%+0.9%+3.1%+4.8%-4.0%-0.9%-4.3%+5.9%+2.7%+9.1%
2022-0.6%-3.5%-0.1%-1.4%-2.0%-5.2%+3.3%+1.2%-8.8%-2.3%+8.3%-4.2%-15.1%
2021+3.8%+1.7%+2.1%+0.0%+0.7%+3.4%-4.4%+1.9%-1.4%+1.1%-1.1%+1.7%+9.7%
2020-4.8%-5.7%-13.7%+8.5%-0.2%+6.4%+3.3%+2.4%+0.2%+1.6%+7.8%+4.2%+8.0%
2019+9.3%+0.2%+2.3%+2.1%-6.1%+3.8%+0.8%-4.1%+3.4%+1.4%+1.8%+6.0%+21.6%
2018+4.1%-3.0%-1.9%+0.9%+0.0%-4.1%+2.5%-2.1%-0.0%-6.8%+3.7%-4.0%-10.9%
2017+2.8%+4.5%+2.1%-0.0%-0.3%-0.3%+1.7%+1.7%+0.4%+4.4%-1.0%+2.7%+20.1%
2016----------+4.8%+0.7%+5.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +32.66% • The longest drawdown period lasted for 2 years and 7 months and was between November 2021 and June 2024. It reached a trough of -21.7%.
When could this portfolio get you to financial independence?

Nahim returned +9.77% a year over the 10 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
+149.75%
Annualized Return
+9.77%
Avg Monthly Return
+0.85%
Risk
Volatility (Annual)
+16.96%
Max Drawdown
+32.66%
Positive Months
61%
Average Drawdown
-7.3%
Risk-Adjusted
Sharpe Ratio
0.46
Risk-free rate: 2.0%
Sortino Ratio
0.43
Downside risk adjusted
Return/Volatility
0.58
Calmar Ratio
0.30
Return/Max Drawdown
Ulcer Index
8.82
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
24,975.19
Backtest Period
2016-11-14 to 2026-09-11
9.8 years
Rebalancing
none
Base Currency
EUR