HomePortfoliosPlan 1

Plan 1

Created byuser-xftfo3
Optimize
Annual Rebalancing
EUR
Moderate Risk
Multi-currency
9.5yr backtest

Performance Summary

Total Return+156.10%
Annualized Return+10.40%
Volatility+10.91%
Sharpe Ratio0.77
Max Drawdown+19.54%

Holdings

Asset Allocation

Asset Class

Equity 57.5%Bonds 20.0%Precious Metals 20.0%Real Estate 2.5%
Holdings Details
Diversified ETF portfolio blending global stocks, bonds, gold, and real estate for balanced growth across key asset classes.
AssetTypeAllocationTER
IWDA.LSE
iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983
ETF
40.0%0.2%
IEF.US
iShares 7-10 Year Treasury Bond ETF • US4642874402
ETF
20.0%0.15%
SGLD.LSE
Invesco Physical Gold ETC • IE00B579F325
ETC
20.0%0.12%
XDWT.LSE
Xtrackers MSCI World Information Technology UCITS ETF 1C • IE00BM67HT60
ETF
5.0%0.25%
XDWS.LSE
Xtrackers MSCI World Consumer Staples UCITS ETF 1C • IE00BM67HN09
ETF
5.0%0.25%
XDWH.LSE
Xtrackers MSCI World Health Care UCITS ETF 1C • IE00BM67HK77
ETF
5.0%0.25%
XDW0.LSE
Xtrackers MSCI World Energy UCITS ETF 1C • IE00BM67HM91
ETF
2.5%0.25%
EPRA.PA
Amundi FTSE EPRA NAREIT Global UCITS ETF Acc • LU1437018838
ETF
2.5%0.24%
Total100.0%0.18%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €25,609.64
Histogram of Monthly Returns
The portfolio had a positive return during 72 of the 115 months (63%)
Monthly Returns Heatmap
Best month: +6.6% • Worst month: -5.1% • Best year: 2019 (+24.1%) • Worst year: 2022 (-6.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.4%+4.1%-5.1%+3.7%+3.0%-0.4%------+7.6%
2025+3.9%-0.2%-3.8%-2.8%+2.1%-1.4%+2.8%+1.6%+3.7%+3.9%+1.8%-0.3%+11.5%
2024+2.8%+1.3%+4.1%-0.7%+0.7%+3.6%+1.2%+0.2%+1.4%+1.5%+4.7%-0.8%+21.8%
2023+3.7%-0.1%+1.5%-0.1%+1.7%+0.6%+1.6%-0.2%-1.6%-1.2%+3.5%+2.9%+12.9%
2022-2.7%+0.6%+3.2%-0.2%-3.2%-3.1%+6.6%-1.4%-3.9%+1.9%-0.5%-3.3%-6.3%
2021-0.1%-0.0%+4.3%+1.0%+1.1%+2.7%+2.0%+1.8%-0.9%+3.4%+1.0%+2.8%+20.8%
2020+3.0%-4.8%-4.3%+6.1%+1.6%+0.6%-0.3%+2.9%-1.1%-2.2%+2.1%+2.6%+5.9%
2019+5.0%+2.6%+2.4%+1.8%-1.8%+3.2%+3.8%+0.7%+1.5%-0.3%+2.6%+0.5%+24.1%
2018-1.8%-0.8%-1.8%+3.4%+3.4%+0.4%+0.3%+0.6%+0.4%-2.2%+0.8%-3.0%-0.6%
2017+0.1%+5.1%-0.8%-0.3%-1.6%-2.4%-1.2%+0.6%+1.1%+2.4%-1.0%+1.1%+2.8%
2016-----------+2.3%+2.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +19.54% • The longest drawdown period lasted for 1 year and 3 months and was between August 2022 and November 2023. It reached a trough of -9.6%.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (20.0% of total allocation)

Total Dividends Received

€694.72

114 payments

Dividend Yield

0.47%

(annualized)

Avg Per Payment

€6.09

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€77.18
2025€156.09
2024€126.25
2023€85.05
2022€60.32
2021€22.97
2020€30.12
2019€47.34
2018€48.15
2017€35.20
2016€6.03
Total€694.72

Detailed Metrics

Returns
Total Return
+156.10%
Annualized Return
+10.40%
Avg Monthly Return
+0.85%
Risk
Volatility (Annual)
+10.91%
Max Drawdown
+19.54%
Positive Months
63%
Average Drawdown
-3.1%
Risk-Adjusted
Sharpe Ratio
0.77
Risk-free rate: 2.0%
Sortino Ratio
0.73
Downside risk adjusted
Return/Volatility
0.95
Calmar Ratio
0.53
Return/Max Drawdown
Ulcer Index
3.89
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€25,609.64
Backtest Period
2016-12-02 to 2026-06-05
9.5 years
Rebalancing
annual
Base Currency
EUR
Plan 1 | +10.4% CAGR | ETF Backtest