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Portafoglio Scalable

Created byuser-2ocsk2

Optimize FIRE Projection

Annual Rebalancing

EUR

Low Risk

Multi-currency

3.2yr backtest

Performance Summary

Total Return+63.83%

Annualized Return+16.88%

Volatility+9.84%

Sharpe Ratio1.51

Max Drawdown+15.51%

Holdings

Asset Allocation

Asset Class

Equity 50.8%Bonds 35.7%Precious Metals 7.6%Commodities 5.6%Money Market 0.3%

Holdings Details

Diversified ETF portfolio blending US tech stocks, global bonds, gold, and commodities for balanced growth across asset classes.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
STHY.LSE PIMCO US Short-Term High Yield Corporate Bond UCITS ETF Dist • IE00B7N3YW49	IE00B7N3YW49	Dist	ETF	27.2%	0.55%
QDVE.XETRA iShares S&P 500 Information Technology Sector UCITS ETF USD (Acc) • IE00B3WJKG14	IE00B3WJKG14	Acc	ETF	26.2%	0.15%
LYQ7.XETRA Amundi Euro Government Inflation-Linked Bond UCITS ETF Acc • LU1650491282	LU1650491282	Acc	ETF	8.5%	0.09%
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	7.6%	0.12%
SXRS.XETRA iShares Diversified Commodity Swap UCITS ETF • IE00BDFL4P12	IE00BDFL4P12	Acc	ETF	5.6%	0.19%
ASWC.XETRA HANetf Future of Defence UCITS ETF • IE000OJ5TQP4	IE000OJ5TQP4	Acc	ETF	4.5%	0.49%
LSMC.XETRA Amundi MSCI Semiconductors UCITS ETF Acc • LU1900066033	LU1900066033	Acc	ETF	3.7%	0.35%
WTDX.XETRA WisdomTree Japan Equity UCITS ETF USD Hedged • IE00BVXC4854	IE00BVXC4854	Dist	ETF	3.1%	0.48%
ICGA.XETRA iShares MSCI China UCITS ETF USD (Acc) • IE00BJ5JPG56	IE00BJ5JPG56	Acc	ETF	2.4%	0.28%
XWEV.XETRA Xtrackers MSCI World Value ESG UCITS ETF 1C • IE000LAUZQT6	IE000LAUZQT6	Acc	ETF	2.3%	0.25%
QDV5.XETRA iShares MSCI India UCITS ETF USD (Acc) • IE00BZCQB185	IE00BZCQB185	Acc	ETF	1.9%	0.65%
LI7U.XETRA Global X Lithium & Battery Tech UCITS ETF USD Accumulating • IE00BLCHJN13	IE00BLCHJN13	Acc	ETF	1.8%	0.6%
IQQH.XETRA iShares Global Clean Energy Transition UCITS ETF USD (Dist) • IE00B1XNHC34	IE00B1XNHC34	Dist	ETF	1.6%	0.65%
KMR.IR Kenmare Resources PLC • IE00BDC5DG00	IE00BDC5DG00	-	STOCK	1.0%	0%
0KGH.LSE Paycom Software Inc • US70432V1026	US70432V1026	-	STOCK	1.0%	0%
33L.F Lululemon Athletica Inc • US5500211090	US5500211090	-	STOCK	0.9%	0%
GD8A.F Gravity Co. Ltd • US38911N2062	US38911N2062	-	STOCK	0.4%	0%
FR0011210111 Amundi Euro Liquidity Short Term SRI S C • FR0011210111	FR0011210111	Acc	FUND	0.3%	0.1%
Total		Total			100.0%	0.31%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €16,383.19

Histogram of Monthly Returns

The portfolio had a positive return during 25 of the 39 months (64%)

Monthly Returns Heatmap

Best month: +6.7% • Worst month: -4.8% • Best year: 2024 (+25.1%) • Worst year: 2023 (+5.0%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+1.3%	+0.6%	-2.5%	+6.7%	+6.7%	-1.3%	-2.3%	+3.7%	+0.2%	-	-	-	+13.3%
2025	+1.6%	-1.1%	-4.8%	-2.9%	+4.6%	+0.6%	+4.4%	-0.6%	+4.7%	+4.9%	-1.5%	+0.3%	+10.1%
2024	+2.4%	+3.2%	+2.9%	-0.4%	+1.6%	+5.3%	-1.6%	-1.0%	+2.0%	+2.3%	+4.6%	+1.5%	+25.1%
2023	-	-	-	-	-	-	+1.4%	-0.1%	-1.0%	-1.1%	+3.3%	+2.5%	+5.0%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +15.51% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -15.5%.

When could this portfolio get you to financial independence?

Portafoglio Scalable returned +16.88% a year over the 3 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 (31.9% of total allocation)

Total Dividends Received

€790.72

63 payments

Dividend Yield

1.95%

(annualized)

Avg Per Payment

€12.55

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	€191.19	1.24%	13
2025	€256.21	1.92%	20
2024	€239.83	2.03%	20
2023	€103.47	1.03%	10
Total	€790.72	1.95%	63

Detailed Metrics

Returns

Total Return

+63.83%

Annualized Return

+16.88%

Avg Monthly Return

+1.31%

Risk

Volatility (Annual)

+9.84%

Max Drawdown

+15.51%

Positive Months

64%

Average Drawdown

-2.5%

Risk-Adjusted

Sharpe Ratio

1.51

Risk-free rate: 2.0%

Sortino Ratio

1.41

Downside risk adjusted

Return/Volatility

1.72

Calmar Ratio

1.09

Return/Max Drawdown

Ulcer Index

3.27

Drawdown depth & duration

Martin Ratio

0.05

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€16,383.19

Backtest Period

2023-07-05 to 2026-09-03
3.2 years

Rebalancing

annual

Base Currency

EUR