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.

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.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80	IE00BK5BQT80	Acc	ETF	42.7%	0.19%
EUNL.XETRA iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983	IE00B4L5Y983	Acc	ETF	20.6%	0.2%
SXR8.XETRA iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087	IE00B5BMR087	Acc	ETF	9.5%	0.07%
MTB.PA Amundi Euro Government Bond 3-5Y UCITS ETF Acc • LU1650488494	LU1650488494	Acc	ETF	7.4%	0.15%
EUNK.XETRA iShares Core MSCI Europe UCITS ETF EUR (Acc) • IE00B4K48X80	IE00B4K48X80	Acc	ETF	7.1%	0.12%
QDVI.XETRA iShares Edge MSCI USA Value Factor UCITS ETF • IE00BD1F4M44	IE00BD1F4M44	Acc	ETF	2.3%	0.2%
IS3N.XETRA iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66	IE00BKM4GZ66	Acc	ETF	2.0%	0.18%
IEVL.LSE iShares Edge MSCI Europe Value Factor UCITS ETF • IE00BQN1K901	IE00BQN1K901	Acc	ETF	1.9%	0.25%
4GLD.XETRA Xetra-Gold • DE000A0S9GB0	DE000A0S9GB0	Acc	ETF	1.6%	0%
IUS3.XETRA iShares S&P SmallCap 600 UCITS ETF • IE00B2QWCY14	IE00B2QWCY14	Dist	ETF	1.5%	0.3%
SXR1.XETRA iShares Core MSCI Pacific ex Japan UCITS ETF (Acc) • IE00B52MJY50	IE00B52MJY50	Acc	ETF	1.4%	0.2%
EXSE.XETRA iShares STOXX Europe Small 200 UCITS ETF (DE) • DE000A0D8QZ7	DE000A0D8QZ7	Dist	ETF	1.1%	0.2%
XDJP.XETRA Xtrackers Nikkei 225 UCITS ETF 1D • LU0839027447	LU0839027447	Dist	ETF	0.9%	0.09%
Total		Total			100.0%	0.17%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €22,280.37

Histogram of Monthly Returns

The portfolio had a positive return during 58 of the 87 months (67%)

Monthly Returns Heatmap

Best month: +8.7% • Worst month: -10.7% • Best year: 2021 (+27.2%) • Worst year: 2022 (-12.4%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+1.6%	+1.9%	-5.3%	+7.8%	+5.5%	+1.3%	-1.1%	+2.0%	+0.6%	-	-	-	+14.6%
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%.

When could this portfolio get you to financial independence?

Peter's Portfolio returned +11.92% a year over the 7 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 3 distributing ETFs (3.5% of total allocation)

Total Dividends Received

€58.23

54 payments

Dividend Yield

0.06%

(annualized)

Avg Per Payment

€1.08

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

Year	Dividends	Yield	Payments
2026	€9.85	0.05%	6
2025	€12.38	0.07%	8
2024	€9.26	0.06%	8
2023	€8.01	0.06%	8
2022	€7.87	0.06%	8
2021	€5.02	0.04%	7
2020	€4.50	0.04%	7
2019	€1.34	0.01%	2
Total	€58.23	0.06%	54

Detailed Metrics

Returns

Total Return

+122.80%

Annualized Return

+11.92%

Avg Monthly Return

+0.99%

Risk

Volatility (Annual)

+14.46%

Max Drawdown

+31.19%

Positive Months

67%

Average Drawdown

-4.9%

Risk-Adjusted

Sharpe Ratio

0.69

Risk-free rate: 2.0%

Sortino Ratio

0.62

Downside risk adjusted

Return/Volatility

0.82

Calmar Ratio

0.38

Return/Max Drawdown

Ulcer Index

6.45

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€22,280.37

Backtest Period

2019-07-25 to 2026-09-04
7.1 years

Rebalancing

annual

Base Currency

EUR

Performance Summary

Holdings

Performance

Dividend Income

Detailed Metrics