None Rebalancing
EUR
Moderate Risk
3.8yr backtest

Performance Summary

Total Return+83.67%
Annualized Return+17.34%
Volatility+13.72%
Sharpe Ratio1.12
Max Drawdown+22.25%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
Diversified all-equity ETF portfolio with 75% global developed markets, 15% US tech via Nasdaq 100, and 10% emerging markets for long-term growth.
AssetTypeAllocationTER
UETW.XETRA
UBS Core MSCI World UCITS ETF USD accIE00BD4TXV59
ETF
72.0%0.06%
ANAV.XETRA
AXA IM NASDAQ 100 UCITS ETF USD AccIE000QDFFK00
ETF
18.0%0.14%
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITSIE00BKM4GZ66
ETF
10.0%0.18%
Total100.0%0.09%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €18,367.24
Histogram of Monthly Returns
The portfolio had a positive return during 32 of the 47 months (68%)
Monthly Returns Heatmap
Best month: +10.1% • Worst month: -8.1% • Best year: 2024 (+26.8%) • Worst year: 2022 (-5.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.9%+0.8%-5.1%+10.1%+7.2%+1.4%-2.9%+2.6%+0.2%---+15.3%
2025+4.0%-2.9%-8.1%-3.9%+7.0%+1.4%+5.1%-0.7%+3.3%+5.0%-1.0%+0.1%+8.6%
2024+3.3%+3.9%+3.3%-1.8%+1.3%+6.1%-0.7%-0.6%+1.9%+1.2%+6.9%-0.3%+26.8%
2023+6.1%+0.1%+1.7%+0.2%+3.5%+4.2%+2.9%-2.8%-1.5%-3.5%+6.2%+4.0%+22.3%
2022----------+0.2%-5.6%-5.4%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +22.25% • The longest drawdown period lasted for 7 months and was between February 2025 and September 2025. It reached a trough of -22.2%.
When could this portfolio get you to financial independence?

1 returned +17.34% a year over the 4 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.

Detailed Metrics

Returns
Total Return
+83.67%
Annualized Return
+17.34%
Avg Monthly Return
+1.37%
Risk
Volatility (Annual)
+13.72%
Max Drawdown
+22.25%
Positive Months
68%
Average Drawdown
-3.2%
Risk-Adjusted
Sharpe Ratio
1.12
Risk-free rate: 2.0%
Sortino Ratio
1.07
Downside risk adjusted
Return/Volatility
1.26
Calmar Ratio
0.78
Return/Max Drawdown
Ulcer Index
4.28
Drawdown depth & duration
Martin Ratio
0.04
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
18,367.24
Backtest Period
2022-11-22 to 2026-09-11
3.8 years
Rebalancing
none
Base Currency
EUR