HomePortfoliosPEA

PEA

Created byuser-jzjjyd
Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
12.2yr backtest

Performance Summary

Total Return+152.74%
Annualized Return+7.90%
Volatility+17.34%
Sharpe Ratio0.34
Max Drawdown+41.10%

Holdings

Asset Allocation

Asset Class

Equity 75.0%Real Estate 25.0%
Holdings Details
Diversified European ETF portfolio blending 75% equities and 25% real estate for targeted exposure to banks, dividends, and property.
AssetTypeAllocationTER
C50.PA
Amundi Core EURO STOXX 50 UCITS ETF EUR Acc • LU1681047236
ETF
25.0%0.09%
BNKE.PA
Amundi Euro Stoxx Banks UCITS ETF Acc • LU1829219390
ETF
25.0%0.3%
PMEH.PA
Amundi PEA Immobilier Europe (FTSE EPRA/NAREIT) UCITS ETF Acc • FR0011869304
ETF
25.0%0.4%
SPYW.XETRA
State Street SPDR S&P Euro Dividend Aristocrats UCITS ETF EUR • IE00B5M1WJ87
ETF
25.0%0.3%
Total100.0%0.27%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €25,273.81
Histogram of Monthly Returns
The portfolio had a positive return during 89 of the 148 months (60%)
Monthly Returns Heatmap
Best month: +17.5% • Worst month: -21.4% • Best year: 2025 (+34.5%) • Worst year: 2022 (-15.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.8%+3.0%-9.5%+6.7%+3.3%+4.3%+3.7%+0.7%+0.4%---+15.4%
2025+7.0%+5.0%-1.3%+1.6%+6.1%-0.8%+2.1%+0.7%+2.3%+1.4%+2.1%+4.1%+34.5%
2024+1.2%+0.2%+7.1%-0.3%+4.1%-3.5%+2.8%+1.5%+1.1%-2.7%-0.8%+1.1%+11.9%
2023+9.8%+2.0%-4.5%+3.2%-3.6%+3.4%+4.2%-2.0%-2.4%-2.9%+9.2%+4.9%+21.9%
2022-1.6%-5.9%+0.1%-2.6%+0.1%-11.3%+6.7%-5.9%-8.1%+7.8%+7.7%-1.9%-15.8%
2021-2.4%+3.9%+5.9%+2.7%+3.9%-0.4%+2.7%+2.7%-4.1%+4.1%-2.5%+4.2%+22.0%
2020-1.4%-8.2%-21.4%+5.1%+3.2%+3.7%-1.2%+3.0%-3.2%-5.8%+17.5%+2.2%-10.8%
2019+6.9%+2.3%+1.3%+3.4%-4.0%+2.1%-0.9%-0.4%+5.1%+2.1%+2.6%+2.1%+24.7%
2018+2.3%-4.7%-1.2%+5.0%-3.1%+0.2%+3.1%-3.6%-1.5%-4.4%-0.4%-5.4%-13.5%
2017-1.5%+2.2%+5.3%+3.1%+1.6%-1.8%+0.4%-1.0%+2.7%+1.7%-1.1%+0.2%+12.1%
2016-8.6%-2.3%+3.2%+2.1%+2.0%-8.3%+5.0%+2.4%-1.8%+0.8%-0.7%+7.0%-0.4%
2015+8.6%+7.9%+2.9%-1.7%+0.3%-4.4%+5.3%-6.7%-4.5%+8.6%+0.7%-4.2%+11.6%
2014------0.4%-2.3%+1.6%-0.5%-1.6%+4.0%-3.8%-3.2%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +41.10% • The longest drawdown period lasted for 2 years and was between April 2015 and May 2017. It reached a trough of -26.8%.
When could this portfolio get you to financial independence?

PEA returned +7.90% a year over the 12 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.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (25.0% of total allocation)

Total Dividends Received

€1,362.59

24 payments

Dividend Yield

0.84%

(annualized)

Avg Per Payment

€56.77

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€27.92
2025€197.65
2024€148.66
2023€123.80
2022€114.05
2021€99.74
2020€95.19
2019€109.59
2018€107.25
2017€99.01
2016€84.07
2015€78.60
2014€77.05
Total€1,362.59

Detailed Metrics

Returns
Total Return
+152.74%
Annualized Return
+7.90%
Avg Monthly Return
+0.74%
Risk
Volatility (Annual)
+17.34%
Max Drawdown
+41.10%
Positive Months
60%
Average Drawdown
-8.4%
Risk-Adjusted
Sharpe Ratio
0.34
Risk-free rate: 2.0%
Sortino Ratio
0.32
Downside risk adjusted
Return/Volatility
0.46
Calmar Ratio
0.19
Return/Max Drawdown
Ulcer Index
10.83
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€25,273.81
Backtest Period
2014-06-25 to 2026-09-04
12.2 years
Rebalancing
none
Base Currency
EUR