Perennial

Portfolio for a serene retirement, at any age.

Holdings

Asset Allocation

Asset Class

Equity 72.5%Bonds 15.0%Precious Metals 12.5%

Holdings Details

A diversified ETF portfolio for serene retirement, blending global stocks, bonds, and gold for stability and growth across all market cycles.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80	IE00BK5BQT80	Acc	ETF	50.0%	0.19%
LYXF.XETRA Amundi Euro Government Bond 15+Y UCITS ETF Acc • LU1287023268	LU1287023268	Acc	ETF	12.5%	0.15%
GLDA.F Amundi Physical Gold ETC C EUR • FR0013416716	FR0013416716	Acc	ETC	12.5%	0.12%
DBMFE.PA iMGP DBi Managed Futures Fund R EUR ETF UCITS ETF • LU2951555403	LU2951555403	Acc	ETF	12.5%	0.75%
AVWS.XETRA Avantis Global Small Cap Value UCITS ETF USD Acc • IE0003R87OG3	IE0003R87OG3	Acc	ETF	10.0%	0.39%
VEGF.XETRA Vanguard EUR Eurozone Government 1-3 Year Bond UCITS ETF (EUR) Accumulating • IE00004S2680	IE00004S2680	Acc	ETF	2.5%	0.07%
Total		Total			100.0%	0.26%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €12,585.65

Histogram of Monthly Returns

The portfolio had a positive return during 13 of the 17 months (76%)

Monthly Returns Heatmap

Best month: +4.4% • Worst month: -4.8% • Best year: 2025 (+12.8%) • Worst year: 2026 (+11.5%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+3.2%	+3.7%	-4.8%	+4.4%	+3.5%	+0.0%	-0.9%	+2.3%	-	-	-	-	+11.5%
2025	-	-	-	-3.4%	+3.8%	-0.4%	+3.3%	+0.2%	+3.5%	+4.4%	+0.4%	+0.6%	+12.8%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +9.31% • The longest drawdown period lasted for 2 months and was between March 2026 and May 2026. It reached a trough of -6.1%.

Detailed Metrics

Returns

Total Return

+25.86%

Annualized Return

+18.02%

Avg Monthly Return

+1.40%

Risk

Volatility (Annual)

+10.77%

Max Drawdown

+9.31%

Positive Months

76%

Average Drawdown

-1.4%

Risk-Adjusted

Sharpe Ratio

1.49

Risk-free rate: 2.0%

Sortino Ratio

1.40

Downside risk adjusted

Return/Volatility

1.67

Calmar Ratio

1.94

Return/Max Drawdown

Ulcer Index

1.90

Drawdown depth & duration

Martin Ratio

0.08

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€12,585.65

Backtest Period

2025-04-01 to 2026-08-21
1.4 years

Rebalancing

annual

Base Currency

EUR

Performance Summary

Holdings

Performance

Detailed Metrics