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Annual Rebalancing

EUR

Moderate Risk

4.5yr backtest

Performance Summary

Total Return+44.33%

Annualized Return+8.46%

Volatility+13.01%

Sharpe Ratio0.50

Max Drawdown+19.13%

Holdings

Asset Allocation

Asset Class

Equity 75.0%Bonds 10.0%Money Market 5.0%Real Estate 5.0%Cryptocurrencies 5.0%

Holdings Details

Diversified global ETF portfolio with 60% world stocks, bonds, crypto, and targeted sector exposure for balanced, long-term growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80	IE00BK5BQT80	Acc	ETF	60.0%	0.19%
IEGA.AS iShares Core Euro Government Bond UCITS ETF (Dist) • IE00B4WXJJ64	IE00B4WXJJ64	Dist	ETF	10.0%	0.07%
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497	LU0290358497	Acc	ETF	5.0%	0.1%
IBC3.XETRA iShares Core MSCI Emerging Markets IMI UCITS ETF • IE00BD45KH83	IE00BD45KH83	Dist	ETF	5.0%	0.18%
IQQ6.XETRA iShares Developed Markets Property Yield UCITS ETF • IE00B1FZS350	IE00B1FZS350	Dist	ETF	5.0%	0.59%
VVSM.XETRA VanEck Semiconductor UCITS ETF • IE00BMC38736	IE00BMC38736	Acc	ETF	5.0%	0.35%
BTCE.XETRA Bitwise Physical Bitcoin ETP • DE000A27Z304	DE000A27Z304	Acc	ETF	4.0%	2%
USPY.XETRA L&G Cyber Security UCITS ETF • IE00BYPLS672	IE00BYPLS672	Acc	ETF	3.0%	0.69%
HEAL.AS iShares Healthcare Innovation UCITS ETF • IE00BYZK4776	IE00BYZK4776	Acc	ETF	2.0%	0.4%
ZETH.XETRA Bitwise Physical Ethereum ETP • DE000A3GMKD7	DE000A3GMKD7	Acc	ETF	1.0%	1.49%
Total		Total			100.0%	0.31%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €14,432.77

Histogram of Monthly Returns

The portfolio had a positive return during 34 of the 56 months (61%)

Monthly Returns Heatmap

Best month: +8.6% • Worst month: -6.7% • Best year: 2024 (+24.1%) • Worst year: 2022 (-17.8%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+1.5%	+0.7%	-4.5%	+1.9%	-	-	-	-	-	-	-	-	-0.5%
2025	+4.0%	-3.0%	-6.4%	-2.7%	+5.6%	+1.0%	+4.4%	-0.7%	+2.9%	+4.0%	-1.4%	+0.0%	+7.4%
2024	+2.3%	+5.1%	+3.6%	-2.6%	+1.5%	+3.6%	+0.5%	-1.4%	+2.1%	+0.9%	+7.9%	-1.2%	+24.1%
2023	+6.6%	+0.0%	+1.6%	-0.8%	+2.7%	+2.9%	+1.9%	-1.3%	-1.5%	-1.4%	+5.9%	+5.3%	+23.7%
2022	-5.4%	-1.4%	+3.5%	-3.1%	-4.1%	-6.7%	+8.6%	-2.2%	-5.8%	+2.4%	+1.0%	-5.2%	-17.8%
2021	-	-	-	-	-	-	-	-	-0.5%	+5.7%	+0.5%	+1.4%	+7.1%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +19.13% • The longest drawdown period lasted for 2 years and 1 month and was between November 2021 and December 2023. It reached a trough of -19.1%.

Dividend Income

Summary

This portfolio contains 3 distributing ETFs (20.0% of total allocation)

Total Dividends Received

€237.76

37 payments

Dividend Yield

0.46%

(annualized)

Avg Per Payment

€6.43

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	€30.11	0.21%	3
2025	€72.09	0.53%	8
2024	€53.45	0.44%	8
2023	€37.27	0.38%	8
2022	€33.87	0.35%	8
2021	€10.96	0.10%	2
Total	€237.76	0.46%	37

Detailed Metrics

Returns

Total Return

+44.33%

Annualized Return

+8.46%

Avg Monthly Return

+0.72%

Risk

Volatility (Annual)

+13.01%

Max Drawdown

+19.13%

Positive Months

61%

Average Drawdown

-6.8%

Risk-Adjusted

Sharpe Ratio

0.50

Risk-free rate: 2.0%

Sortino Ratio

0.47

Downside risk adjusted

Return/Volatility

0.65

Calmar Ratio

0.44

Return/Max Drawdown

Ulcer Index

8.28

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€14,432.77

Backtest Period

2021-09-24 to 2026-04-02
4.5 years

Rebalancing

annual

Base Currency

EUR