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Retire

Created byuser-2nsl2u

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None Rebalancing

USD

Moderate Risk

Multi-currency

2.4yr backtest

Performance Summary

Total Return+111.83%

Annualized Return+37.45%

Volatility+13.02%

Sharpe Ratio2.72

Max Drawdown+16.13%

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.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80	IE00BK5BQT80	Acc	ETF	20.0%	0.19%
8PSG.F Invesco Physical Gold ETC • IE00B579F325	IE00B579F325	Acc	ETF	10.0%	0.12%
AIQ.US Global X Artificial Intelligence & Technology ETF • US37954Y6326	US37954Y6326	Dist	ETF	10.0%	0.68%
MO.US Altria Group • US02209S1033	US02209S1033	-	STOCK	9.5%	0%
AUMI.US Themes Gold Miners ETF • US8829277008	US8829277008	Dist	ETF	8.0%	0.35%
0I0T.LSE Coca-Cola Consolidated Inc. • US1910981026	US1910981026	-	STOCK	7.5%	0%
0QOS.LSE PepsiCo, Inc. • US7134481081	US7134481081	-	STOCK	7.5%	0%
MCD.US McDonald’s Corporation • US5801351017	US5801351017	-	STOCK	7.5%	0%
COPM.AS iShares Copper Miners UCITS ETF USD (Acc) • IE00063FT9K6	IE00063FT9K6	Acc	ETF	5.0%	0.55%
SLVR.XETRA Global X Silver Miners UCITS ETF USD Accumulating • IE000UL6CLP7	IE000UL6CLP7	Acc	ETF	5.0%	0.65%
BTC-EUR Bitcoin EUR Price	-	-	CRYPTO	5.0%	-
8PSB.XETRA Invesco Physical Silver • IE00B43VDT70	IE00B43VDT70	Acc	ETF	5.0%	0.19%
Total		Total			100.0%	0.22%

Performance

Portfolio Value Over Time

Starting with $10,000 investment → now worth $21,183.34

Histogram of Monthly Returns

The portfolio had a positive return during 23 of the 29 months (79%)

Monthly Returns Heatmap

Best month: +10.0% • Worst month: -12.5% • Best year: 2025 (+52.0%) • Worst year: 2023 (+1.3%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+6.8%	+10.0%	-12.5%	+5.3%	-	-	-	-	-	-	-	-	+8.3%
2025	+5.8%	-1.0%	+3.0%	+2.4%	+2.9%	+2.8%	+2.3%	+6.4%	+8.5%	-0.0%	+5.5%	+4.5%	+52.0%
2024	-1.4%	+2.4%	+7.5%	-0.1%	+5.0%	+0.7%	+3.3%	+3.0%	+3.6%	+1.0%	+4.0%	-4.4%	+26.9%
2023	-	-	-	-	-	-	-	-	-	-	-	+1.3%	+1.3%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +16.13% • The longest drawdown period lasted for 2 months and was between December 2023 and February 2024. It reached a trough of -4.0%.

Dividend Income

Summary

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

Total Dividends Received

$463.63

44 payments

Dividend Yield

1.35%

(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

Year	Dividends	Yield	Payments
2026	$50.94	0.24%	5
2025	$211.79	1.35%	19
2024	$196.35	1.67%	19
2023	$4.55	0.05%	1
Total	$463.63	1.35%	44

Detailed Metrics

Returns

Total Return

+111.83%

Annualized Return

+37.45%

Avg Monthly Return

+2.71%

Risk

Volatility (Annual)

+13.02%

Max Drawdown

+16.13%

Positive Months

79%

Average Drawdown

-2.6%

Risk-Adjusted

Sharpe Ratio

2.72

Risk-free rate: 2.0%

Sortino Ratio

2.58

Downside risk adjusted

Return/Volatility

2.88

Calmar Ratio

2.32

Return/Max Drawdown

Ulcer Index

3.44

Drawdown depth & duration

Martin Ratio

0.10

Return/Ulcer Index

Backtest Configuration

Initial Investment

$10,000

Final Value

$21,183.34

Backtest Period

2023-12-14 to 2026-04-24
2.4 years

Rebalancing

none

Base Currency

USD