HomePortfoliosSmart Growth
Optimize FIRE Projection
Monthly Rebalancing
EUR
High Risk
Multi-currency
4.5yr backtest

Performance Summary

Total Return+103.09%
Annualized Return+17.23%
Volatility+22.05%
Sharpe Ratio0.69
Max Drawdown+29.54%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Precious Metals 10.0%Commodities 10.0%
Holdings Details
Growth-focused ETF portfolio with 80% equities led by Nasdaq-100, plus gold and volatility hedges for diversified, tech-driven returns.
AssetTypeAllocationTER
QQQM.US
Invesco NASDAQ 100 ETFUS46138G6492
ETF
50.0%0.15%
W1TB.XETRA
WisdomTree Cybersecurity UCITS ETF USD AccIE00BLPK3577
ETF
20.0%0.45%
PHAU.AS
WisdomTree Physical Gold EURJE00B1VS3770
ETF
10.0%0.39%
SVIX.US
-1x Short VIX Futures ETFUS92891H1014
ETF
10.0%1.35%
LQQ.PA
Amundi Nasdaq-100 Daily (2x) Leveraged UCITS ETF AccFR0010342592
ETF
10.0%0.6%
Total100.0%0.40%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €20,308.5
Histogram of Monthly Returns
The portfolio had a positive return during 30 of the 55 months (55%)
Monthly Returns Heatmap
Best month: +15.6% • Worst month: -11.3% • Best year: 2023 (+63.7%) • Worst year: 2022 (-25.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026-1.1%-2.9%-5.0%+13.1%+15.6%+2.9%-4.8%+7.6%-1.6%---+23.6%
2025+4.5%-4.1%-11.3%-6.3%+9.4%+2.3%+5.0%+0.6%+5.6%+4.6%-2.2%+0.0%+6.4%
2024+3.7%+5.1%+1.2%-3.0%+2.4%+8.6%-2.8%-3.8%-0.1%+1.1%+12.0%-0.0%+26.1%
2023+10.6%+2.8%+4.9%-1.3%+13.2%+5.2%+4.0%+0.4%-2.6%-2.7%+11.0%+6.2%+63.7%
2022---0.9%-8.9%-6.6%-6.4%+14.1%-1.1%-8.8%+2.7%-2.2%-8.3%-25.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +29.54% • The longest drawdown period lasted for 1 year and 2 months and was between April 2022 and June 2023. It reached a trough of -27.9%.
When could this portfolio get you to financial independence?

Smart Growth returned +17.23% a year over the 4 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 (60.0% of total allocation)

Total Dividends Received

180.74

18 payments

Dividend Yield

0.31%

(annualized)

Avg Per Payment

10.04

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
202622.43
202541.55
202446.38
202338.78
202231.61
Total180.74

Detailed Metrics

Returns
Total Return
+103.09%
Annualized Return
+17.23%
Avg Monthly Return
+1.49%
Risk
Volatility (Annual)
+22.05%
Max Drawdown
+29.54%
Positive Months
55%
Average Drawdown
-9.0%
Risk-Adjusted
Sharpe Ratio
0.69
Risk-free rate: 2.0%
Sortino Ratio
0.62
Downside risk adjusted
Return/Volatility
0.78
Calmar Ratio
0.58
Return/Max Drawdown
Ulcer Index
11.01
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
20,308.5
Backtest Period
2022-03-28 to 2026-09-11
4.5 years
Rebalancing
monthly
Base Currency
EUR