HomePortfoliosRetirement 3

Retirement 3

Created byuser-dqaxw8
Optimize FIRE Projection
Annual Rebalancing
EUR
Low Risk
Multi-currency
7.3yr backtest

Performance Summary

Total Return+93.56%
Annualized Return+9.43%
Volatility+6.90%
Sharpe Ratio1.08
Max Drawdown+14.99%

Holdings

Asset Allocation

Asset Class

Equity 30.0%Bonds 25.0%Commodities 20.0%Money Market 15.0%Precious Metals 10.0%
Holdings Details
Diversified all-weather ETF portfolio blending global stocks, inflation-linked bonds, gold, commodities, and managed futures to thrive in any market.
AssetTypeAllocationTER
IUSQ.XETRA
iShares MSCI ACWI UCITS ETF USD (Acc) • IE00B6R52259
ETF
30.0%0.2%
XEON.XETRA
Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497
ETF
15.0%0.1%
LYQ7.XETRA
Amundi Euro Government Inflation-Linked Bond UCITS ETF Acc • LU1650491282
ETF
15.0%0.09%
EXXY.XETRA
iShares Diversified Commodity Swap UCITS ETF (DE) • DE000A0H0728
ETF
10.0%0.46%
DBMF.US
iMGP DBi Managed Futures Strategy ETF • US53700T8273
ETF
10.0%0.85%
SHRIX.US
STONE RIDGE HIGH YIELD REINSURANCE RISK PREMIUM FUND CLASS I • US8617284000
FUND
10.0%1.85%
EGLN.LSE
iShares Physical Gold ETC • IE00B4ND3602
ETF
10.0%0.12%
Total100.0%0.42%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €19,356.19
Histogram of Monthly Returns
The portfolio had a positive return during 65 of the 89 months (73%)
Monthly Returns Heatmap
Best month: +4.0% • Worst month: -5.1% • Best year: 2021 (+16.8%) • Worst year: 2020 (+0.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.0%+2.4%-1.2%+2.6%+1.8%-0.9%+0.1%+2.6%+0.2%---+11.1%
2025+2.7%-0.6%-2.5%-2.5%+1.5%-0.4%+2.4%+0.1%+3.1%+3.3%+1.0%+0.2%+8.3%
2024+1.8%+1.5%+3.1%+1.1%-0.2%+2.2%-0.4%-0.6%+1.7%+1.1%+3.5%+0.1%+16.0%
2023+1.5%+0.3%-0.5%-0.3%+1.8%+0.7%+1.6%+0.3%+0.1%-0.1%+0.6%+1.0%+7.2%
2022+0.8%+1.0%+4.0%+3.0%-2.3%-2.1%+4.0%-0.1%-2.7%+1.2%-1.5%-3.3%+1.7%
2021+1.0%+1.1%+3.2%+0.8%+0.9%+1.8%+1.4%+0.6%+0.6%+2.4%+0.1%+1.7%+16.8%
2020+0.4%-3.1%-5.1%+3.5%+0.2%+1.0%+0.4%+1.8%-0.5%-0.2%+1.6%+1.3%+0.9%
2019-----0.5%+1.9%+2.8%+1.1%+1.1%-0.5%+1.1%+0.9%+8.0%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +14.99% • The longest drawdown period lasted for 1 year and 5 months and was between August 2022 and January 2024. It reached a trough of -9.0%.
When could this portfolio get you to financial independence?

Retirement 3 returned +9.43% a year over the 7 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 2 distributing ETFs (20.0% of total allocation)

Total Dividends Received

€1,477.55

47 payments

Dividend Yield

1.48%

(annualized)

Avg Per Payment

€31.44

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€98.76
2025€290.83
2024€302.65
2023€209.55
2022€309.65
2021€52.69
2020€76.43
2019€136.98
Total€1,477.55

Detailed Metrics

Returns
Total Return
+93.56%
Annualized Return
+9.43%
Avg Monthly Return
+0.76%
Risk
Volatility (Annual)
+6.90%
Max Drawdown
+14.99%
Positive Months
73%
Average Drawdown
-2.9%
Risk-Adjusted
Sharpe Ratio
1.08
Risk-free rate: 2.0%
Sortino Ratio
0.97
Downside risk adjusted
Return/Volatility
1.37
Calmar Ratio
0.63
Return/Max Drawdown
Ulcer Index
3.71
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€19,356.19
Backtest Period
2019-05-08 to 2026-09-04
7.3 years
Rebalancing
annual
Base Currency
EUR