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Annual Rebalancing

EUR

Moderate Risk

Multi-currency

4.8yr backtest

Performance Summary

Total Return+59.87%

Annualized Return+10.33%

Volatility+10.18%

Sharpe Ratio0.82

Max Drawdown+16.55%

Holdings

Asset Allocation

Asset Class

Equity 65.0%Bonds 25.0%Commodities 10.0%

Holdings Details

Diversified ETF portfolio blending global ESG stocks, US tech, bonds, and commodities for balanced growth across multiple asset classes.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
IQSA.XETRA Invesco Global Active ESG Equity UCITS ETF Acc • IE00BJQRDN15	IE00BJQRDN15	Acc	ETF	50.0%	0.3%
PRAB.XETRA Amundi Prime Euro Government Bond 0-1Y UCITS ETF Acc • LU2233156582	LU2233156582	Acc	ETF	12.5%	0.05%
LYXF.XETRA Amundi Euro Government Bond 15+Y UCITS ETF Acc • LU1287023268	LU1287023268	Acc	ETF	12.5%	0.15%
EN4C.XETRA L&G Multi-Strategy Enhanced Commodities UCITS ETF USD Accumulating • IE00BFXR6159	IE00BFXR6159	Acc	ETF	10.0%	0.3%
EQQQ.XETRA Invesco EQQQ Nasdaq-100 UCITS ETF • IE0032077012	IE0032077012	Dist	ETF	7.5%	0.3%
VBR.US Vanguard Small-Cap Value Index Fund ETF Shares • US9229086114	US9229086114	Dist	ETF	7.5%	0.07%
Total		Total			100.0%	0.23%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €15,986.88

Histogram of Monthly Returns

The portfolio had a positive return during 35 of the 59 months (59%)

Monthly Returns Heatmap

Best month: +7.9% • Worst month: -6.6% • Best year: 2024 (+20.1%) • Worst year: 2022 (-8.8%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+1.6%	+2.0%	-2.0%	+6.0%	+3.8%	+2.2%	-0.7%	-	-	-	-	-	+13.5%
2025	+3.3%	-1.9%	-5.9%	-3.5%	+4.4%	-0.1%	+3.4%	-0.8%	+2.1%	+3.0%	+0.3%	+0.4%	+4.3%
2024	+3.2%	+3.0%	+4.2%	-2.1%	+0.5%	+3.0%	+0.4%	-0.5%	+1.4%	+0.8%	+7.2%	-2.2%	+20.1%
2023	+4.8%	+0.1%	-1.3%	-1.1%	+1.9%	+4.3%	+1.8%	-0.5%	-1.4%	-2.7%	+4.6%	+4.5%	+15.7%
2022	-2.2%	-0.6%	+3.4%	-0.3%	-2.1%	-6.6%	+7.9%	-1.7%	-5.7%	+4.3%	+1.2%	-5.6%	-8.8%
2021	-	-	-	-	-	-	-	-	-0.5%	+2.9%	+0.7%	+3.2%	+6.4%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +16.55% • The longest drawdown period lasted for 1 year and 3 months and was between August 2022 and November 2023. It reached a trough of -10.6%.

Dividend Income

Summary

This portfolio contains 2 distributing ETFs (15.0% of total allocation)

Total Dividends Received

€108.32

39 payments

Dividend Yield

0.19%

(annualized)

Avg Per Payment

€2.78

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

Year	Dividends	Yield	Payments
2026	€13.21	0.09%	4
2025	€22.70	0.17%	8
2024	€23.04	0.18%	8
2023	€21.82	0.21%	8
2022	€18.75	0.18%	8
2021	€8.79	0.09%	3
Total	€108.32	0.19%	39

Detailed Metrics

Returns

Total Return

+59.87%

Annualized Return

+10.33%

Avg Monthly Return

+0.85%

Risk

Volatility (Annual)

+10.18%

Max Drawdown

+16.55%

Positive Months

59%

Average Drawdown

-3.7%

Risk-Adjusted

Sharpe Ratio

0.82

Risk-free rate: 2.0%

Sortino Ratio

0.78

Downside risk adjusted

Return/Volatility

1.01

Calmar Ratio

0.62

Return/Max Drawdown

Ulcer Index

4.63

Drawdown depth & duration

Martin Ratio

0.02

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€15,986.88

Backtest Period

2021-09-23 to 2026-07-02
4.8 years

Rebalancing

annual

Base Currency

EUR