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Plan Compare Rebalanced

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Annual Rebalancing
USD
Moderate Risk
Multi-currency
9.5yr backtest

Performance Summary

Total Return+172.71%
Annualized Return+11.08%
Volatility+10.20%
Sharpe Ratio0.89
Max Drawdown+20.11%

Holdings

Asset Allocation

Asset Class

Equity 56.3%Precious Metals 20.0%Bonds 20.0%Real Estate 3.7%
Holdings Details
Diversified ETF portfolio blending global stocks, gold, bonds, and real estate for balanced, long-term growth across major asset classes.
AssetTypeAllocationTER
EUNL.XETRA
iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983
ETF
30.0%0.2%
SGLD.LSE
Invesco Physical Gold ETC • IE00B579F325
ETC
20.0%0.12%
SPP7.XETRA
State Street SPDR Bloomberg 7-10 Year U.S. Treasury Bond UCITS ETF USD Unhedged (Dist) • IE00BYSZ5T81
ETF
17.0%0.05%
XDWS.LSE
Xtrackers MSCI World Consumer Staples UCITS ETF 1C • IE00BM67HN09
ETF
7.5%0.25%
XDWH.LSE
Xtrackers MSCI World Health Care UCITS ETF 1C • IE00BM67HK77
ETF
7.5%0.25%
XDWT.LSE
Xtrackers MSCI World Information Technology UCITS ETF 1C • IE00BM67HT60
ETF
7.5%0.25%
XDW0.LSE
Xtrackers MSCI World Energy UCITS ETF 1C • IE00BM67HM91
ETF
3.8%0.25%
EPRA.PA
Amundi FTSE EPRA NAREIT Global UCITS ETF Acc • LU1437018838
ETF
3.7%0.24%
DBXP.XETRA
Xtrackers Eurozone Government Bond 1-3 UCITS ETF 1C • LU0290356871
ETF
3.0%0.1%
Total100.0%0.17%

Performance

Portfolio Value Over Time
Starting with $10,000 investment → now worth $27,271.41
Histogram of Monthly Returns
The portfolio had a positive return during 81 of the 115 months (70%)
Monthly Returns Heatmap
Best month: +6.6% • Worst month: -6.4% • Best year: 2025 (+25.9%) • Worst year: 2022 (-10.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+4.8%+2.4%-6.4%+4.5%+2.1%-2.5%------+4.5%
2025+3.9%-0.1%+0.3%+1.6%+2.5%+2.6%+1.2%+1.7%+4.0%+2.6%+2.0%+1.0%+25.9%
2024+0.4%+1.4%+3.8%-1.8%+2.5%+2.2%+2.1%+2.5%+2.0%-0.7%+1.5%-2.9%+13.7%
2023+4.7%-2.7%+4.2%+1.7%-1.2%+2.3%+2.3%-1.4%-4.0%-0.9%+6.3%+4.1%+15.7%
2022-4.0%+0.5%+2.1%-4.6%-1.4%-5.4%+3.9%-3.3%-6.0%+3.0%+5.1%-0.8%-10.9%
2021-0.5%-0.9%+1.5%+3.4%+2.4%+0.3%+2.1%+1.2%-2.9%+3.2%-0.8%+3.5%+13.1%
2020+0.9%-5.0%-4.5%+6.6%+2.0%+2.4%+5.5%+2.8%-2.3%-2.7%+5.8%+3.1%+14.5%
2019+5.2%+1.8%+1.4%+1.2%-2.4%+5.5%+0.9%+1.0%+0.0%+1.8%+1.1%+2.6%+21.8%
2018+3.4%-2.9%-1.4%+0.2%+0.9%-0.7%+1.4%+1.2%+0.0%-3.8%+0.5%-3.4%-4.7%
2017+1.6%+2.7%+0.8%+1.2%+1.8%-0.1%+1.7%+1.0%+0.3%+0.8%+1.5%+1.4%+15.7%
2016-----------+1.7%+1.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +20.11% • The longest drawdown period lasted for 1 year and 11 months and was between January 2022 and December 2023. It reached a trough of -18.3%.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (17.0% of total allocation)

Total Dividends Received

$679.96

20 payments

Dividend Yield

0.44%

(annualized)

Avg Per Payment

$34.00

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$88.77
2025$145.70
2024$107.80
2023$109.69
2022$41.80
2021$26.12
2020$38.91
2019$47.26
2018$41.02
2017$32.89
Total$679.96

Detailed Metrics

Returns
Total Return
+172.71%
Annualized Return
+11.08%
Avg Monthly Return
+0.91%
Risk
Volatility (Annual)
+10.20%
Max Drawdown
+20.11%
Positive Months
70%
Average Drawdown
-3.2%
Risk-Adjusted
Sharpe Ratio
0.89
Risk-free rate: 2.0%
Sortino Ratio
0.85
Downside risk adjusted
Return/Volatility
1.09
Calmar Ratio
0.55
Return/Max Drawdown
Ulcer Index
4.44
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
$10,000
Final Value
$27,271.41
Backtest Period
2016-12-02 to 2026-06-19
9.5 years
Rebalancing
annual
Base Currency
USD
Plan Compare Rebalanced | +11.1% CAGR | ETF Backtest