HomePortfoliosStable wallet

Stable wallet

Created byuser-c3glzx
Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
Multi-currency
6.4yr backtest

Performance Summary

Total Return+157.15%
Annualized Return+15.88%
Volatility+13.41%
Sharpe Ratio1.03
Max Drawdown+20.96%

Holdings

Asset Allocation

Asset Class

Commodities 50.0%Equity 25.0%Bonds 15.0%Precious Metals 10.0%
Holdings Details
Diversified ETF portfolio blending commodities, leveraged equities, and reinsurance bonds for a unique multi-asset strategy.
AssetTypeAllocationTER
DBMF.US
iMGP DBi Managed Futures Strategy ETF • US53700T8273
ETF
40.0%0.85%
CL2.PA
Amundi MSCI USA Daily (2x) Leveraged UCITS ETF Acc • FR0010755611
ETF
15.0%0.5%
SHRIX.US
STONE RIDGE HIGH YIELD REINSURANCE RISK PREMIUM FUND CLASS I • US8617284000
FUND
15.0%1.85%
4RT8.XETRA
WisdomTree Gold 2x Daily Leveraged EUR • JE00B2NFTL95
ETF
10.0%0.99%
UEQC.XETRA
UBS CMCI Commodity Carry SF UCITS ETF USD acc • IE00BKFB6L02
ETF
10.0%0.34%
EFO.US
ProShares Ultra MSCI EAFE • US74347X5005
ETF
10.0%0.95%
Total100.0%0.92%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €25,715.15
Histogram of Monthly Returns
The portfolio had a positive return during 52 of the 78 months (67%)
Monthly Returns Heatmap
Best month: +7.3% • Worst month: -9.0% • Best year: 2021 (+31.5%) • Worst year: 2022 (+0.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.8%+5.5%-9.0%+5.9%+5.2%-0.9%-1.2%+3.9%+0.4%---+13.2%
2025+4.7%-3.0%-7.2%-4.9%+4.3%-0.5%+4.6%+1.0%+6.0%+6.0%+1.1%+0.9%+12.6%
2024+4.6%+4.4%+5.9%+0.6%+0.1%+4.9%-1.1%-1.7%+1.5%+1.4%+7.3%-0.7%+30.3%
2023+2.1%+1.7%-3.3%-0.2%+3.5%+2.2%+1.3%+0.1%+1.3%-1.4%+0.7%+0.9%+9.0%
2022-0.8%-1.2%+6.7%+3.5%-2.7%-1.5%+5.8%+0.8%-2.2%+2.6%-5.4%-4.7%+0.1%
2021+1.0%+2.8%+6.8%+1.1%+0.5%+4.3%+1.6%+1.8%-1.3%+5.8%+0.8%+2.8%+31.5%
2020---+3.9%-0.4%-1.1%-0.4%+3.2%-2.0%-1.8%+6.5%+0.0%+8.0%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +20.96% • The longest drawdown period lasted for 1 year and 5 months and was between August 2022 and January 2024. It reached a trough of -14.8%.
When could this portfolio get you to financial independence?

Stable wallet returned +15.88% 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 3 distributing ETFs (65.0% of total allocation)

Total Dividends Received

€3,073.95

53 payments

Dividend Yield

2.92%

(annualized)

Avg Per Payment

€58.00

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€191.24
2025€684.35
2024€673.39
2023€406.78
2022€953.78
2021€68.62
2020€95.82
Total€3,073.95

Detailed Metrics

Returns
Total Return
+157.15%
Annualized Return
+15.88%
Avg Monthly Return
+1.27%
Risk
Volatility (Annual)
+13.41%
Max Drawdown
+20.96%
Positive Months
67%
Average Drawdown
-4.4%
Risk-Adjusted
Sharpe Ratio
1.03
Risk-free rate: 2.0%
Sortino Ratio
0.98
Downside risk adjusted
Return/Volatility
1.18
Calmar Ratio
0.76
Return/Max Drawdown
Ulcer Index
5.62
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€25,715.15
Backtest Period
2020-04-07 to 2026-09-04
6.4 years
Rebalancing
none
Base Currency
EUR