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Risky

Created byuser-jb9a33
Optimize FIRE Projection
Annual Rebalancing
EUR
High Risk
Multi-currency
4.7yr backtest

Performance Summary

Total Return+320.81%
Annualized Return+35.44%
Volatility+20.01%
Sharpe Ratio1.67
Max Drawdown+25.13%

Holdings

Asset Allocation

Asset Class

Equity 57.0%Commodities 40.0%Other 3.0%
Holdings Details
Diversified portfolio pairing 40% managed futures ETF with tech, finance, and healthcare stocks like NVDA and PLTR for all-weather growth.
AssetTypeAllocationTER
DBMF.US
iMGP DBi Managed Futures Strategy ETF • US53700T8273
ETF
40.0%0.85%
NU.US
Nu Holdings Ltd • KYG6683N1034
STOCK
3.0%0%
HUM.US
Humana Inc • US4448591028
STOCK
3.0%0%
FXI.DU
FLEXTRONICS INTL
STOCK
3.0%0%
AFRM.US
Affirm Holdings Inc • US00827B1061
STOCK
3.0%0%
NVDA.US
NVIDIA Corporation • US67066G1040
STOCK
3.0%0%
MU.US
Micron Technology Inc • US5951121038
STOCK
3.0%0%
PLTR.US
Palantir Technologies Inc. • US69608A1088
STOCK
3.0%0%
AMAT.US
Applied Materials Inc • US0382221051
STOCK
3.0%0%
STX.US
Seagate Technology PLC • IE00BKVD2N49
STOCK
3.0%0%
FTAI.US
FTAI Aviation Ltd. • KYG3730V1059
STOCK
3.0%0%
ANET.US
Arista Networks • US0404132054
STOCK
3.0%0%
ORCL.US
Oracle Corporation • US68389X1054
STOCK
3.0%0%
CIEN.US
Ciena Corp • US1717793095
STOCK
3.0%0%
WDC.US
Western Digital Corporation • US9581021055
STOCK
3.0%0%
MSFT.US
Microsoft Corporation • US5949181045
STOCK
3.0%0%
AMZN.US
Amazon.com Inc • US0231351067
STOCK
3.0%0%
MA.US
Mastercard Inc • US57636Q1040
STOCK
3.0%0%
GILD.US
Gilead Sciences Inc • US3755581036
STOCK
3.0%0%
CNH.US
CNH Industrial N.V. • NL0010545661
STOCK
3.0%0%
AVGO.US
Broadcom Inc • US11135F1012
STOCK
3.0%0%
Total100.0%0.34%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €42,081.07
Histogram of Monthly Returns
The portfolio had a positive return during 40 of the 58 months (69%)
Monthly Returns Heatmap
Best month: +14.6% • Worst month: -10.6% • Best year: 2024 (+49.7%) • Worst year: 2021 (+2.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+5.5%+4.9%-2.5%+14.2%+13.7%+5.8%-9.1%+1.3%+1.2%---+38.2%
2025+3.5%-2.4%-10.6%-1.5%+6.6%+5.0%+6.2%+1.8%+11.2%+9.9%-0.5%+1.8%+33.1%
2024+4.5%+7.8%+5.5%-0.4%+2.9%+7.8%-3.1%-0.3%+2.9%+1.8%+12.1%+0.5%+49.7%
2023+7.4%+2.3%-1.8%-2.6%+14.6%+2.8%+3.6%+2.7%+1.0%-1.2%+6.7%+3.4%+44.8%
2022-2.1%-0.3%+6.5%+3.6%-2.5%-1.3%+6.0%+0.7%+1.1%+4.3%-7.1%-4.7%+3.2%
2021-----------+2.3%+2.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +25.13% • The longest drawdown period lasted for 6 months and was between November 2022 and May 2023. It reached a trough of -15.6%.
When could this portfolio get you to financial independence?

Risky returned +35.44% a year over the 5 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 (40.0% of total allocation)

Total Dividends Received

€2,432.42

230 payments

Dividend Yield

2.60%

(annualized)

Avg Per Payment

€10.58

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€194.69
2025€637.68
2024€470.14
2023€201.68
2022€921.22
2021€6.98
Total€2,432.42

Detailed Metrics

Returns
Total Return
+320.81%
Annualized Return
+35.44%
Avg Monthly Return
+2.64%
Risk
Volatility (Annual)
+20.01%
Max Drawdown
+25.13%
Positive Months
69%
Average Drawdown
-4.5%
Risk-Adjusted
Sharpe Ratio
1.67
Risk-free rate: 2.0%
Sortino Ratio
1.62
Downside risk adjusted
Return/Volatility
1.77
Calmar Ratio
1.41
Return/Max Drawdown
Ulcer Index
5.88
Drawdown depth & duration
Martin Ratio
0.06
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€42,081.07
Backtest Period
2021-12-09 to 2026-09-04
4.7 years
Rebalancing
annual
Base Currency
EUR
Risky | +35.4% CAGR | ETF Backtest