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Pension plan 3

Pension plan with 10% bonds

Optimize
Annual Rebalancing
EUR
Moderate Risk
6.7yr backtest

Performance Summary

Total Return+85.86%
Annualized Return+9.68%
Volatility+14.72%
Sharpe Ratio0.52
Max Drawdown+30.92%

Holdings

Asset Allocation

Asset Class

Equity 90.0%Bonds 10.0%
Holdings Details
Diversified pension ETF portfolio with 70% global stocks, 20% emerging/small-cap growth, and 10% Eurozone bonds for balanced long-term investing.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) AccumulatingIE00BK5BQT80
ETF
70.0%0.19%
IUSN.XETRA
iShares MSCI World Small Cap UCITS ETFIE00BF4RFH31
ETF
10.0%0.35%
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITSIE00BKM4GZ66
ETF
10.0%0.18%
VGEB.XETRA
Vanguard EUR Eurozone Government Bond UCITS ETF DistributingIE00BZ163H91
ETF
10.0%0.07%
Total100.0%0.19%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €18,585.84
Histogram of Monthly Returns
The portfolio had a positive return during 50 of the 82 months (61%)
Monthly Returns Heatmap
Best month: +8.6% • Worst month: -11.3% • Best year: 2021 (+23.0%) • Worst year: 2022 (-14.0%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.0%+2.4%-5.6%+4.6%--------+3.1%
2025+3.7%-2.0%-6.2%-3.3%+5.2%+1.1%+4.1%-0.1%+2.8%+4.0%-0.4%+0.4%+9.0%
2024+1.7%+3.1%+3.3%-1.6%+0.9%+4.0%+0.9%-0.6%+2.0%+0.4%+5.9%-1.4%+19.9%
2023+5.1%-0.5%-0.1%-0.4%+1.7%+3.2%+2.6%-1.3%-1.6%-3.5%+5.4%+4.2%+15.4%
2022-4.0%-1.9%+2.6%-2.2%-3.0%-5.6%+8.1%-1.5%-6.2%+2.7%+2.1%-5.2%-14.0%
2021+1.5%+2.5%+4.8%+1.1%-0.1%+3.9%+0.1%+2.5%-1.5%+3.6%-0.1%+3.0%+23.0%
2020-1.0%-7.2%-11.3%+8.6%+1.8%+2.6%+0.2%+4.4%-0.4%-1.1%+8.1%+2.4%+5.5%
2019------+0.0%-1.8%+2.9%+0.1%+3.4%+2.3%+7.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +30.92% • The longest drawdown period lasted for 2 years and 2 months and was between November 2021 and January 2024. It reached a trough of -16.1%.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (10.0% of total allocation)

Total Dividends Received

134.74

87 payments

Dividend Yield

0.15%

(annualized)

Avg Per Payment

1.55

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
202613.06
202547.93
202435.54
202325.06
20227.54
20210.84
20202.13
20192.64
Total134.74

Detailed Metrics

Returns
Total Return
+85.86%
Annualized Return
+9.68%
Avg Monthly Return
+0.82%
Risk
Volatility (Annual)
+14.72%
Max Drawdown
+30.92%
Positive Months
61%
Average Drawdown
-5.7%
Risk-Adjusted
Sharpe Ratio
0.52
Risk-free rate: 2.0%
Sortino Ratio
0.47
Downside risk adjusted
Return/Volatility
0.66
Calmar Ratio
0.31
Return/Max Drawdown
Ulcer Index
7.23
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
18,585.84
Backtest Period
2019-07-25 to 2026-04-10
6.7 years
Rebalancing
annual
Base Currency
EUR
Pension plan 3 | +9.7% CAGR | ETF Backtest