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Plan Compare 3

Created byuser-xftfo3

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None Rebalancing

USD

Low Risk

Multi-currency

3.3yr backtest

Performance Summary

Total Return+72.20%

Annualized Return+18.02%

Volatility+9.46%

Sharpe Ratio1.69

Max Drawdown+8.85%

Holdings

Asset Allocation

Asset Class

Equity 56.3%Precious Metals 20.0%Bonds 20.0%Real Estate 3.7%

Holdings Details

Diversified global ETF portfolio with 56% equities, 20% bonds, 20% gold, and 4% real estate for balanced growth and stability.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
EUNL.XETRA iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983	IE00B4L5Y983	Acc	ETF	30.0%	0.2%
SGLD.LSE Invesco Physical Gold ETC • IE00B579F325	IE00B579F325	Acc	ETC	20.0%	0.12%
VAGT.XETRA Vanguard USD Treasury Bond UCITS ETF Accumulating • IE00BGYWFS63	IE00BGYWFS63	Acc	ETF	20.0%	0.05%
XDWT.LSE Xtrackers MSCI World Information Technology UCITS ETF 1C • IE00BM67HT60	IE00BM67HT60	Acc	ETF	7.5%	0.25%
XDWH.LSE Xtrackers MSCI World Health Care UCITS ETF 1C • IE00BM67HK77	IE00BM67HK77	Acc	ETF	7.5%	0.25%
XDWS.LSE Xtrackers MSCI World Consumer Staples UCITS ETF 1C • IE00BM67HN09	IE00BM67HN09	Acc	ETF	7.5%	0.25%
XDW0.LSE Xtrackers MSCI World Energy UCITS ETF 1C • IE00BM67HM91	IE00BM67HM91	Acc	ETF	3.8%	0.25%
EPRA.PA Amundi FTSE EPRA NAREIT Global UCITS ETF Acc • LU1437018838	LU1437018838	Acc	ETF	3.7%	0.24%
Total		Total			100.0%	0.17%

Performance

Portfolio Value Over Time

Starting with $10,000 investment → now worth $17,220.47

Histogram of Monthly Returns

The portfolio had a positive return during 29 of the 40 months (73%)

Monthly Returns Heatmap

Best month: +6.0% • Worst month: -7.3% • Best year: 2025 (+27.1%) • Worst year: 2026 (+4.7%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+5.9%	+2.3%	-7.3%	+4.9%	+2.6%	-3.1%	-	-	-	-	-	-	+4.7%
2025	+4.0%	-0.5%	+0.0%	+1.6%	+2.9%	+2.8%	+1.5%	+1.6%	+4.6%	+2.9%	+1.8%	+1.1%	+27.1%
2024	+0.6%	+1.7%	+3.8%	-1.8%	+2.6%	+2.4%	+2.0%	+2.5%	+2.0%	-0.5%	+1.6%	-2.7%	+14.8%
2023	-	-	+3.5%	+1.6%	-1.2%	+2.3%	+2.2%	-1.4%	-3.8%	-0.8%	+6.0%	+4.0%	+12.7%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +8.85% • The longest drawdown period lasted for 4 months and was between July 2023 and November 2023. It reached a trough of -7.1%.

Detailed Metrics

Returns

Total Return

+72.20%

Annualized Return

+18.02%

Avg Monthly Return

+1.40%

Risk

Volatility (Annual)

+9.46%

Max Drawdown

+8.85%

Positive Months

73%

Average Drawdown

-1.6%

Risk-Adjusted

Sharpe Ratio

1.69

Risk-free rate: 2.0%

Sortino Ratio

1.71

Downside risk adjusted

Return/Volatility

1.90

Calmar Ratio

2.04

Return/Max Drawdown

Ulcer Index

2.06

Drawdown depth & duration

Martin Ratio

0.08

Return/Ulcer Index

Backtest Configuration

Initial Investment

$10,000

Final Value

$17,220.47

Backtest Period

2023-03-09 to 2026-06-19
3.3 years

Rebalancing

none

Base Currency

USD