HomePortfoliosTER25 - SEM55 GLD30 SnP5 QDVE5 EMER5

TER25 - SEM55 GLD30 SnP5 QDVE5 EMER5

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None Rebalancing
EUR
Moderate Risk
Multi-currency
4.4yr backtest

Performance Summary

Total Return+221.05%
Annualized Return+30.75%
Volatility+19.66%
Sharpe Ratio1.46
Max Drawdown+22.18%

Holdings

Asset Allocation

Asset Class

Equity 70.0%Precious Metals 30.0%
Holdings Details
Diversified ETF portfolio with 70% global tech & US equity and 30% gold for growth and stability in all market conditions.
AssetTypeAllocationTER
SEME.PA
iShares MSCI Global Semiconductors UCITS ETF USD (Acc)IE000I8KRLL9
ETF
55.0%0.35%
SGLN.LSE
iShares Physical Gold ETCIE00B4ND3602
ETF
30.0%0.12%
I500.XETRA
iShares S&P 500 Swap UCITS ETF USD (Acc)IE00BMTX1Y45
ETF
5.0%0.05%
QDVE.XETRA
iShares S&P 500 Information Technology Sector UCITS ETF USD (Acc)IE00B3WJKG14
ETF
5.0%0.15%
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITSIE00BKM4GZ66
ETF
5.0%0.18%
Total100.0%0.25%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €32,105.14
Histogram of Monthly Returns
The portfolio had a positive return during 34 of the 54 months (63%)
Monthly Returns Heatmap
Best month: +22.1% • Worst month: -9.0% • Best year: 2026 (+52.1%) • Worst year: 2022 (-10.2%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+14.9%+3.1%-9.0%+22.1%+18.9%-2.8%------+52.1%
2025+4.1%-3.6%-6.8%-2.9%+7.3%+5.6%+3.5%+0.2%+11.5%+12.4%-1.1%+2.0%+35.1%
2024+3.4%+7.0%+5.7%-1.5%+3.5%+7.3%-4.3%-2.3%+1.9%+0.5%+1.9%+1.6%+27.0%
2023+9.3%+0.5%+5.7%-5.0%+12.2%+0.3%+2.9%-1.6%-3.1%-1.3%+7.6%+6.0%+37.0%
2022+2.9%+1.5%+2.8%-4.6%-1.7%-8.4%+8.6%-4.0%-6.2%-0.5%+6.2%-5.7%-10.2%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +22.18% • The longest drawdown period lasted for 1 year and 1 month and was between March 2022 and May 2023. It reached a trough of -20.0%.

Detailed Metrics

Returns
Total Return
+221.05%
Annualized Return
+30.75%
Avg Monthly Return
+2.38%
Risk
Volatility (Annual)
+19.66%
Max Drawdown
+22.18%
Positive Months
63%
Average Drawdown
-6.1%
Risk-Adjusted
Sharpe Ratio
1.46
Risk-free rate: 2.0%
Sortino Ratio
1.43
Downside risk adjusted
Return/Volatility
1.56
Calmar Ratio
1.39
Return/Max Drawdown
Ulcer Index
7.32
Drawdown depth & duration
Martin Ratio
0.04
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
32,105.14
Backtest Period
2022-01-28 to 2026-06-05
4.4 years
Rebalancing
none
Base Currency
EUR
TER25 - SEM55 GLD30 SnP5 QDVE5 EMER5 | 1.46 Sharpe