FIRE Projection
Annual Rebalancing
USD
Moderate Risk
7.1yr backtest

Performance Summary

Total Return+143.63%
Annualized Return+13.34%
Volatility+17.13%
Sharpe Ratio0.66
Max Drawdown+33.62%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
A globally diversified ETF portfolio with annual rebalancing for long-term growth in USD. Simple, strategic investing.
AssetTypeAllocationTER
VWRA.LSE
Vanguard FTSE All-World UCITS ETF (USD) AccumulatingIE00BK5BQT80
ETF
100.0%0.19%
Total100.0%0.19%

Performance

Portfolio Value Over Time
Starting with $10,000 investment → now worth $24,362.71
Histogram of Monthly Returns
The portfolio had a positive return during 55 of the 87 months (63%)
Monthly Returns Heatmap
Best month: +11.9% • Worst month: -11.0% • Best year: 2025 (+22.5%) • Worst year: 2022 (-18.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.4%+1.4%-7.7%+10.5%+5.5%-0.9%-0.7%+4.3%-0.2%---+14.3%
2025+3.6%-2.2%-3.6%+0.8%+6.2%+4.6%+2.0%+2.0%+3.3%+2.6%+0.0%+1.6%+22.5%
2024+0.9%+3.3%+3.5%-2.8%+2.6%+3.6%+1.3%+1.7%+2.6%-1.8%+3.6%-1.9%+17.6%
2023+6.7%-2.3%+2.6%+1.6%-1.2%+6.0%+3.6%-2.6%-3.9%-3.5%+9.0%+5.3%+22.3%
2022-5.3%-1.7%+2.6%-7.2%-1.6%-8.2%+6.4%-2.9%-8.4%+4.3%+5.9%-2.1%-18.1%
2021-0.0%+2.2%+2.8%+4.2%+1.7%+1.0%+0.8%+2.4%-3.6%+4.2%-2.1%+3.9%+18.5%
2020-0.9%-9.3%-11.0%+9.0%+3.7%+3.7%+4.9%+6.8%-2.9%-2.9%+11.9%+4.9%+16.2%
2019-------0.5%-3.3%+2.6%+2.4%+2.9%+3.1%+7.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +33.62% • The longest drawdown period lasted for 2 years and was between December 2021 and January 2024. It reached a trough of -26.1%.
When could this portfolio get you to financial independence?

returned +13.34% a year over the 7 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
+143.63%
Annualized Return
+13.34%
Avg Monthly Return
+1.12%
Risk
Volatility (Annual)
+17.13%
Max Drawdown
+33.62%
Positive Months
63%
Average Drawdown
-6.1%
Risk-Adjusted
Sharpe Ratio
0.66
Risk-free rate: 2.0%
Sortino Ratio
0.62
Downside risk adjusted
Return/Volatility
0.78
Calmar Ratio
0.40
Return/Max Drawdown
Ulcer Index
8.37
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
$10,000
Final Value
$24,362.71
Backtest Period
2019-07-26 to 2026-09-04
7.1 years
Rebalancing
annual
Base Currency
USD