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Pruebas

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None Rebalancing

EUR

Moderate Risk

2.9yr backtest

Performance Summary

Total Return+108.57%

Annualized Return+29.42%

Volatility+12.64%

Sharpe Ratio2.17

Max Drawdown+9.84%

Holdings

Asset Allocation

Asset Class

Equity 45.0%Bonds 42.0%Precious Metals 13.0%

Holdings Details

Diversified portfolio blending US & European equities, global bonds, and gold for balanced growth across key markets and asset classes.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
ES0161937034 BANKIA BOLSA USA FI • ES0161937034	ES0161937034	Acc	FUND	28.0%	1.85%
LU0284393930 DNCA Invest Beyond European Bond Opportunities Class A shares EUR • LU0284393930	LU0284393930	Acc	FUND	17.0%	1.15%
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602	IE00B4ND3602	Acc	ETF	13.0%	0.12%
ES0137474005 Caixabank Destino 2030 Estándar Fi • ES0137474005	ES0137474005	Acc	FUND	13.0%	1.25%
CBU8.XETRA iShares iBonds Dec 2026 Term USD Corporate UCITS ETF USD (Dist) • IE0007UPSEA3	IE0007UPSEA3	Dist	ETF	12.0%	0.12%
0ILK.LSE Caixabank SA • ES0140609019	ES0140609019	-	STOCK	6.0%	0%
0IE9.LSE Semapa • PTSEM0AM0004	PTSEM0AM0004	-	STOCK	3.0%	0%
0H00.LSE Banco de Sabadell SA • ES0113860A34	ES0113860A34	-	STOCK	2.0%	0%
0NQ2.LSE Mapfre • ES0124244E34	ES0124244E34	-	STOCK	2.0%	0%
2KQ.F Kraken Robotics Inc • CA50077N1024	CA50077N1024	-	STOCK	2.0%	0%
TKE.F Take-Two Interactive Software Inc • US8740541094	US8740541094	-	STOCK	2.0%	0%
Total		Total			100.0%	0.91%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €20,856.93

Histogram of Monthly Returns

The portfolio had a positive return during 29 of the 35 months (83%)

Monthly Returns Heatmap

Best month: +7.7% • Worst month: -5.1% • Best year: 2025 (+37.0%) • Worst year: 2023 (+6.5%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+7.4%	+1.1%	-5.1%	+3.8%	+2.3%	-1.1%	-	-	-	-	-	-	+8.2%
2025	+3.9%	+0.3%	-0.5%	-0.5%	+2.9%	+1.5%	+5.8%	+0.5%	+7.3%	+7.7%	-0.9%	+4.5%	+37.0%
2024	+2.9%	+1.8%	+5.5%	+1.3%	+2.0%	+0.4%	+2.7%	+2.1%	+1.5%	+2.7%	+3.0%	+2.5%	+32.2%
2023	-	-	-	-	-	-	-	+1.7%	-0.9%	+0.8%	+4.2%	+0.6%	+6.5%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +9.84% • The longest drawdown period lasted for 3 months and was between March 2026 and June 2026. It reached a trough of -9.4%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (12.0% of total allocation)

Total Dividends Received

€667.41

34 payments

Dividend Yield

1.60%

(annualized)

Avg Per Payment

€19.63

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	€215.73	1.05%	5
2025	€222.77	1.39%	14
2024	€198.38	1.61%	11
2023	€30.52	0.30%	4
Total	€667.41	1.60%	34

Detailed Metrics

Returns

Total Return

+108.57%

Annualized Return

+29.42%

Avg Monthly Return

+2.16%

Risk

Volatility (Annual)

+12.64%

Max Drawdown

+9.84%

Positive Months

83%

Average Drawdown

-1.8%

Risk-Adjusted

Sharpe Ratio

2.17

Risk-free rate: 2.0%

Sortino Ratio

2.03

Downside risk adjusted

Return/Volatility

2.33

Calmar Ratio

2.99

Return/Max Drawdown

Ulcer Index

2.32

Drawdown depth & duration

Martin Ratio

0.12

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€20,856.93

Backtest Period

2023-08-10 to 2026-06-16
2.9 years

Rebalancing

none

Base Currency

EUR