MM

Created byuser-6nr0rj

None Rebalancing

EUR

Moderate Risk

1.9yr backtest

Performance Summary

Total Return+30.45%

Annualized Return+15.30%

Volatility+10.86%

Sharpe Ratio1.22

Max Drawdown+14.97%

Holdings

Asset Allocation

Asset Class

Equity 77.5%Bonds 12.5%Precious Metals 10.0%

Holdings Details

A diversified ETF portfolio blending global stocks, bonds, and gold for balanced exposure across developed and emerging markets.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
UETW.XETRA UBS Core MSCI World UCITS ETF USD acc • IE00BD4TXV59	IE00BD4TXV59	Acc	ETF	40.0%	0.06%
IQQ0.XETRA iShares Edge MSCI World Minimum Volatility UCITS ETF USD (Acc) • IE00B8FHGS14	IE00B8FHGS14	Acc	ETF	12.5%	0.3%
SXRQ.XETRA iShares Euro Government Bond 7-10yr UCITS ETF (Acc) • IE00B3VTN290	IE00B3VTN290	Acc	ETF	12.5%	0.15%
XMME.XETRA Xtrackers MSCI Emerging Markets UCITS ETF 1C • IE00BTJRMP35	IE00BTJRMP35	Acc	ETF	10.0%	0.18%
GLDA.F Amundi Physical Gold ETC C EUR • FR0013416716	FR0013416716	Acc	ETC	10.0%	0.12%
AVWS.XETRA Avantis Global Small Cap Value UCITS ETF USD Acc • IE0003R87OG3	IE0003R87OG3	Acc	ETF	7.5%	0.39%
EXUS.XETRA Xtrackers MSCI World ex USA UCITS ETF 1C • IE0006WW1TQ4	IE0006WW1TQ4	Acc	ETF	7.5%	0.15%
Total		Total			100.0%	0.15%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €13,044.78

Histogram of Monthly Returns

The portfolio had a positive return during 16 of the 23 months (70%)

Monthly Returns Heatmap

Best month: +5.2% • Worst month: -5.5% • Best year: 2026 (+12.7%) • Worst year: 2024 (+3.5%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+3.0%	+3.5%	-5.5%	+5.2%	+3.6%	+0.1%	-0.8%	+3.3%	-	-	-	-	+12.7%
2025	+4.2%	-0.7%	-4.4%	-2.5%	+3.9%	-0.2%	+3.1%	+0.5%	+3.0%	+3.5%	+0.6%	+0.6%	+11.8%
2024	-	-	-	-	-	-	-	-	-	+0.3%	+5.0%	-1.8%	+3.5%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +14.97% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -15.0%.

Detailed Metrics

Returns

Total Return

+30.45%

Annualized Return

+15.30%

Avg Monthly Return

+1.20%

Risk

Volatility (Annual)

+10.86%

Max Drawdown

+14.97%

Positive Months

70%

Average Drawdown

-2.5%

Risk-Adjusted

Sharpe Ratio

1.22

Risk-free rate: 2.0%

Sortino Ratio

1.16

Downside risk adjusted

Return/Volatility

1.41

Calmar Ratio

1.02

Return/Max Drawdown

Ulcer Index

3.33

Drawdown depth & duration

Martin Ratio

0.04

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€13,044.78

Backtest Period

2024-10-01 to 2026-08-14
1.9 years

Rebalancing

none

Base Currency

EUR