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Retire

Created byuser-2nsl2u
Optimize
None Rebalancing
USD
Moderate Risk
2.3yr backtest

Performance Summary

Total Return+99.51%
Annualized Return+35.03%
Volatility+12.80%
Sharpe Ratio2.58
Max Drawdown+15.25%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Precious Metals 15.0%Cryptocurrencies 5.0%
Holdings Details
Retirement portfolio blending global stocks, gold, AI tech, and consumer staples for a diversified, long-term growth and stability strategy.
AssetTypeAllocationTER
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
20.0%0.19%
8PSG.F
Invesco Physical Gold ETC • IE00B579F325
ETF
10.0%0.12%
AIQ.US
Global X Artificial Intelligence & Technology ETF • US37954Y6326
ETF
10.0%0.68%
MO.US
Altria Group • US02209S1033
STOCK
9.5%0%
AUMI.US
Themes Gold Miners ETF • US8829277008
ETF
8.0%0.35%
0I0T.LSE
Coca-Cola Consolidated Inc. • US1910981026
STOCK
7.5%0%
0QOS.LSE
PepsiCo, Inc. • US7134481081
STOCK
7.5%0%
MCD.US
McDonald’s Corporation • US5801351017
STOCK
7.5%0%
COPM.AS
iShares Copper Miners UCITS ETF USD (Acc) • IE00063FT9K6
ETF
5.0%0.55%
SLVR.XETRA
Global X Silver Miners UCITS ETF USD Accumulating • IE000UL6CLP7
ETF
5.0%0.65%
BTC-EUR
Bitcoin EUR Price
CRYPTO
5.0%-
8PSB.XETRA
Invesco Physical Silver • IE00B43VDT70
ETF
5.0%0.19%
Total100.0%0.22%

Performance

Portfolio Value Over Time
Starting with $10,000 investment → now worth $19,951.11
Histogram of Monthly Returns
The portfolio had a positive return during 25 of the 29 months (86%)
Monthly Returns Heatmap
Best month: +10.4% • Worst month: -11.7% • Best year: 2025 (+43.7%) • Worst year: 2023 (+1.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+6.3%+10.4%-11.7%+1.3%--------+5.0%
2025+5.9%-1.0%+1.1%+0.5%+2.6%+0.9%+3.1%+5.9%+8.3%+0.7%+5.4%+3.8%+43.7%
2024-0.5%+2.5%+7.5%+0.3%+4.2%+1.3%+2.9%+2.3%+3.2%+2.0%+5.4%-3.7%+30.5%
2023-----------+1.3%+1.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +15.25% • The longest drawdown period lasted for 2 months and was between February 2025 and May 2025. It reached a trough of -10.4%.

Dividend Income

Summary
This portfolio contains 2 distributing ETFs (18.0% of total allocation)

Total Dividends Received

$463.57

44 payments

Dividend Yield

1.41%

(annualized)

Avg Per Payment

$10.54

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$50.94
2025$211.77
2024$196.30
2023$4.55
Total$463.57

Detailed Metrics

Returns
Total Return
+99.51%
Annualized Return
+35.03%
Avg Monthly Return
+2.49%
Risk
Volatility (Annual)
+12.80%
Max Drawdown
+15.25%
Positive Months
86%
Average Drawdown
-2.3%
Risk-Adjusted
Sharpe Ratio
2.58
Risk-free rate: 2.0%
Sortino Ratio
2.39
Downside risk adjusted
Return/Volatility
2.74
Calmar Ratio
2.30
Return/Max Drawdown
Ulcer Index
3.09
Drawdown depth & duration
Martin Ratio
0.11
Return/Ulcer Index
Backtest Configuration
Initial Investment
$10,000
Final Value
$19,951.11
Backtest Period
2023-12-14 to 2026-04-02
2.3 years
Rebalancing
none
Base Currency
USD