HomePortfoliosRobo advisor 1

Robo advisor 1

Created byuser-r2wv47
Optimize FIRE Projection
None Rebalancing
USD
Moderate Risk
5.7yr backtest

Performance Summary

Total Return+113.62%
Annualized Return+14.30%
Volatility+13.98%
Sharpe Ratio0.88
Max Drawdown+24.57%

Holdings

Asset Allocation

Asset Class

Equity 74.0%Bonds 11.0%Precious Metals 10.0%Real Estate 5.0%
Holdings Details
A diversified Sharia-compliant ETF portfolio blending US equities, global sukuk, gold, and international real estate for balanced growth.
AssetTypeAllocationTER
SPUS.US
SP Funds S&P 500 Sharia Industry Exclusions ETF • US8863648015
ETF
54.0%0.49%
SPSK.US
SP Funds Dow Jones Global Sukuk ETF • US8863647025
ETF
11.0%0.65%
GLD.US
SPDR® Gold Shares • US78463V1070
ETF
10.0%0.4%
ISDW.LSE
iShares MSCI World Islamic UCITS ETF • IE00B27YCN58
ETF
10.0%0.3%
ISDE.LSE
iShares MSCI Emerging Markets Islamic UCITS ETF • IE00B27YCP72
ETF
10.0%0.35%
SPRE.US
SP Funds S&P Global REIT Sharia ETF • US8863647694
ETF
5.0%0.65%
Total100.0%0.47%

Performance

Portfolio Value Over Time
Starting with $10,000 investment → now worth $21,361.65
Histogram of Monthly Returns
The portfolio had a positive return during 48 of the 70 months (69%)
Monthly Returns Heatmap
Best month: +9.7% • Worst month: -8.2% • Best year: 2023 (+25.1%) • Worst year: 2022 (-19.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.3%+1.9%-6.9%+9.7%+7.9%-2.3%-2.9%+5.2%+0.2%---+15.9%
2025+2.0%-2.3%-4.0%+0.2%+6.2%+4.7%+2.5%+2.2%+5.5%+4.1%+0.2%+0.4%+23.3%
2024+0.5%+4.4%+3.1%-2.9%+3.7%+4.4%+0.5%+1.5%+2.5%-1.8%+2.9%-0.9%+19.1%
2023+5.9%-2.2%+6.0%+1.3%+1.1%+4.9%+2.6%-1.7%-4.5%-2.2%+8.3%+4.2%+25.1%
2022-5.4%-2.9%+3.0%-6.9%-1.0%-7.1%+6.9%-4.2%-8.2%+4.5%+6.0%-4.0%-19.1%
2021+0.4%-0.2%+2.2%+4.2%+0.9%+2.1%+2.9%+2.5%-4.4%+6.2%+0.6%+4.1%+23.5%
2020-----------+0.3%+0.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +24.57% • The longest drawdown period lasted for 1 year and 11 months and was between December 2021 and December 2023. It reached a trough of -24.6%.
When could this portfolio get you to financial independence?

Robo advisor 1 returned +14.30% a year over the 6 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 5 distributing ETFs (90.0% of total allocation)

Total Dividends Received

$938.46

228 payments

Dividend Yield

1.22%

(annualized)

Avg Per Payment

$4.12

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$107.19
2025$174.00
2024$168.70
2023$164.17
2022$149.21
2021$167.30
2020$7.87
Total$938.46

Detailed Metrics

Returns
Total Return
+113.62%
Annualized Return
+14.30%
Avg Monthly Return
+1.17%
Risk
Volatility (Annual)
+13.98%
Max Drawdown
+24.57%
Positive Months
69%
Average Drawdown
-6.0%
Risk-Adjusted
Sharpe Ratio
0.88
Risk-free rate: 2.0%
Sortino Ratio
0.86
Downside risk adjusted
Return/Volatility
1.02
Calmar Ratio
0.58
Return/Max Drawdown
Ulcer Index
7.96
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
$10,000
Final Value
$21,361.65
Backtest Period
2020-12-30 to 2026-09-04
5.7 years
Rebalancing
none
Base Currency
USD