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Peter's Portfolio

Excluding the Vanguard EUR Cash ETF. The combined allocation to FTSE All-World ETFs (€300k Vanguard + €20k Xtrackers) is consolidated under "Vanguard FTSE All-World ETF" to allow for backtesting.

Created byuser-kofyg6
Optimize
Annual Rebalancing
EUR
Moderate Risk
6.9yr backtest

Performance Summary

Total Return+119.48%
Annualized Return+12.06%
Volatility+14.59%
Sharpe Ratio0.69
Max Drawdown+31.19%

Holdings

Asset Allocation

Asset Class

Equity 91.0%Bonds 7.4%Precious Metals 1.6%
Holdings Details
A diversified ETF portfolio with 88% global equities, 7% bonds, and 2% gold for balanced, long-term growth across developed and emerging markets.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
42.7%0.19%
EUNL.XETRA
iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983
ETF
20.6%0.2%
SXR8.XETRA
iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087
ETF
9.5%0.07%
MTB.PA
Amundi Euro Government Bond 3-5Y UCITS ETF Acc • LU1650488494
ETF
7.4%0.15%
EUNK.XETRA
iShares Core MSCI Europe UCITS ETF EUR (Acc) • IE00B4K48X80
ETF
7.1%0.12%
QDVI.XETRA
iShares Edge MSCI USA Value Factor UCITS ETF • IE00BD1F4M44
ETF
2.3%0.2%
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66
ETF
2.0%0.18%
IEVL.LSE
iShares Edge MSCI Europe Value Factor UCITS ETF • IE00BQN1K901
ETF
1.9%0.25%
4GLD.XETRA
Xetra-Gold • DE000A0S9GB0
ETF
1.6%0%
IUS3.XETRA
iShares S&P SmallCap 600 UCITS ETF • IE00B2QWCY14
ETF
1.5%0.3%
SXR1.XETRA
iShares Core MSCI Pacific ex Japan UCITS ETF (Acc) • IE00B52MJY50
ETF
1.4%0.2%
EXSE.XETRA
iShares STOXX Europe Small 200 UCITS ETF (DE) • DE000A0D8QZ7
ETF
1.1%0.2%
XDJP.XETRA
Xtrackers Nikkei 225 UCITS ETF 1D • LU0839027447
ETF
0.9%0.09%
Total100.0%0.17%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €21,947.67
Histogram of Monthly Returns
The portfolio had a positive return during 56 of the 84 months (67%)
Monthly Returns Heatmap
Best month: +8.7% • Worst month: -10.7% • Best year: 2021 (+27.2%) • Worst year: 2022 (-12.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.6%+1.9%-5.3%+7.8%+5.5%+1.2%------+12.9%
2025+4.2%-1.5%-6.3%-3.2%+5.4%+0.7%+3.9%+0.1%+2.6%+4.0%-0.1%+0.7%+10.3%
2024+2.4%+3.1%+3.6%-1.7%+1.2%+3.9%+0.7%-0.3%+1.6%+0.6%+6.0%-1.2%+21.4%
2023+4.8%+0.1%+0.1%+0.1%+1.7%+3.2%+2.4%-0.9%-1.5%-3.1%+5.4%+4.0%+16.8%
2022-4.2%-1.7%+3.4%-2.0%-2.8%-5.8%+8.5%-1.9%-5.7%+3.8%+1.5%-5.0%-12.4%
2021+0.9%+2.8%+5.6%+1.4%+0.2%+3.7%+1.0%+2.6%-1.7%+4.1%+0.2%+3.8%+27.2%
2020-0.5%-7.7%-10.7%+8.5%+1.9%+2.1%-0.3%+4.8%-1.0%-2.0%+8.7%+2.0%+4.0%
2019-------0.1%-1.6%+3.0%+0.1%+3.7%+1.9%+7.2%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +31.19% • The longest drawdown period lasted for 1 year and 11 months and was between January 2022 and December 2023. It reached a trough of -15.0%.

Dividend Income

Summary
This portfolio contains 3 distributing ETFs (3.5% of total allocation)

Total Dividends Received

€54.79

52 payments

Dividend Yield

0.06%

(annualized)

Avg Per Payment

€1.05

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€6.41
2025€12.38
2024€9.26
2023€8.01
2022€7.87
2021€5.02
2020€4.50
2019€1.34
Total€54.79

Detailed Metrics

Returns
Total Return
+119.48%
Annualized Return
+12.06%
Avg Monthly Return
+1.00%
Risk
Volatility (Annual)
+14.59%
Max Drawdown
+31.19%
Positive Months
67%
Average Drawdown
-5.0%
Risk-Adjusted
Sharpe Ratio
0.69
Risk-free rate: 2.0%
Sortino Ratio
0.62
Downside risk adjusted
Return/Volatility
0.83
Calmar Ratio
0.39
Return/Max Drawdown
Ulcer Index
6.55
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€21,947.67
Backtest Period
2019-07-25 to 2026-06-19
6.9 years
Rebalancing
annual
Base Currency
EUR
Peter's Portfolio | +12.1% CAGR | ETF Backtest