HomePortfoliosRente neu mit 5% Bonds

Rente neu mit 5% Bonds

Created byuser-ohgx9f
Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
4.2yr backtest

Performance Summary

Total Return+102.16%
Annualized Return+18.32%
Volatility+13.86%
Sharpe Ratio1.18
Max Drawdown+21.22%

Holdings

Asset Allocation

Asset Class

Equity 95.0%Bonds 5.0%
Holdings Details
Diversified global ETF portfolio with 95% equities and 5% bonds, targeting growth through world, emerging markets, dividend, tech, and space innovators.
AssetTypeAllocationTER
XDWD.XETRA
Xtrackers MSCI World UCITS ETF 1C • IE00BJ0KDQ92
ETF
55.0%0.12%
AEME.PA
Amundi Core MSCI Emerging Markets UCITS ETF Acc • LU1437017350
ETF
18.0%0.18%
VDIV.XETRA
VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594
ETF
7.0%0.38%
SEC0.XETRA
iShares MSCI Global Semiconductors UCITS ETF USD (Acc) • IE000I8KRLL9
ETF
6.0%0.35%
IUSN.XETRA
iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31
ETF
5.0%0.35%
JEDI.XETRA
VanEck Space Innovators UCITS ETF • IE000YU9K6K2
ETF
4.0%0.55%
VAGF.XETRA
Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulating • IE00BG47KH54
ETF
3.0%0.08%
CBE3.LSE
iShares Euro Government Bond 1-3yr UCITS ETF (Acc) • IE00B3VTMJ91
ETF
2.0%0.15%
Total100.0%0.19%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €20,216.47
Histogram of Monthly Returns
The portfolio had a positive return during 33 of the 52 months (63%)
Monthly Returns Heatmap
Best month: +12.1% • Worst month: -6.7% • Best year: 2026 (+22.4%) • Worst year: 2022 (-0.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+5.2%+1.8%-5.2%+12.1%+10.8%+0.7%-6.4%+2.0%+1.0%---+22.4%
2025+4.3%-2.2%-6.7%-3.9%+6.2%+2.9%+4.4%+0.4%+3.8%+5.9%-1.3%+1.9%+15.8%
2024+1.6%+3.7%+3.7%-1.8%+1.7%+4.4%+0.3%-0.8%+2.0%+0.2%+6.3%-0.7%+22.2%
2023+5.9%-0.2%-0.1%-1.1%+2.8%+3.3%+2.8%-1.6%-1.7%-4.0%+5.9%+4.8%+17.7%
2022------1.0%+8.0%-1.3%-6.6%+3.1%+2.6%-5.1%-0.9%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +21.22% • The longest drawdown period lasted for 11 months and was between August 2022 and July 2023. It reached a trough of -12.2%.
When could this portfolio get you to financial independence?

Rente neu mit 5% Bonds returned +18.32% 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.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (7.0% of total allocation)

Total Dividends Received

€166.49

17 payments

Dividend Yield

0.29%

(annualized)

Avg Per Payment

€9.79

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
YearDividends
2026€35.43
2025€41.46
2024€38.85
2023€39.61
2022€11.12
Total€166.49

Detailed Metrics

Returns
Total Return
+102.16%
Annualized Return
+18.32%
Avg Monthly Return
+1.44%
Risk
Volatility (Annual)
+13.86%
Max Drawdown
+21.22%
Positive Months
63%
Average Drawdown
-3.8%
Risk-Adjusted
Sharpe Ratio
1.18
Risk-free rate: 2.0%
Sortino Ratio
1.12
Downside risk adjusted
Return/Volatility
1.32
Calmar Ratio
0.86
Return/Max Drawdown
Ulcer Index
4.78
Drawdown depth & duration
Martin Ratio
0.03
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€20,216.47
Backtest Period
2022-06-29 to 2026-09-04
4.2 years
Rebalancing
none
Base Currency
EUR