None Rebalancing
EUR
Moderate Risk
14.9yr backtest

Performance Summary

Total Return+271.16%
Annualized Return+9.18%
Volatility+15.96%
Sharpe Ratio0.45
Max Drawdown+35.28%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
A 100% European equity ETF portfolio for focused growth through the diversified OP-Eurooppa Indeksi A fund.
AssetTypeAllocationTER
FI4000029301
OP-Eurooppa Indeksi AFI4000029301
FUND
100.0%0.39%
Total100.0%0.39%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €37,115.92
Histogram of Monthly Returns
The portfolio had a positive return during 113 of the 181 months (62%)
Monthly Returns Heatmap
Best month: +13.6% • Worst month: -14.3% • Best year: 2019 (+26.0%) • Worst year: 2022 (-10.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.1%+3.5%-8.3%+5.6%+3.6%+3.1%+0.6%+0.7%-0.3%---+11.5%
2025+6.3%+3.4%-4.3%-1.0%+4.9%-1.5%+1.0%+1.0%+1.4%+2.5%+0.9%+2.8%+18.3%
2024+2.0%+2.4%+3.7%-1.0%+3.0%-0.4%+1.0%+1.4%-0.2%-3.3%+0.8%-0.2%+9.4%
2023+7.4%+1.8%+0.3%+2.1%-2.1%+2.3%+1.9%-2.5%-1.8%-3.4%+6.7%+4.0%+17.4%
2022-3.6%-3.5%+0.8%-0.5%-1.0%-7.4%+7.5%-5.2%-6.2%+5.5%+7.7%-3.9%-10.8%
2021-0.8%+2.0%+6.6%+2.3%+2.7%+1.6%+2.2%+2.2%-3.2%+5.0%-2.7%+5.5%+25.6%
2020-1.3%-8.5%-14.3%+6.1%+2.9%+3.1%-1.4%+2.9%-1.4%-5.3%+13.6%+2.3%-4.1%
2019+6.2%+4.2%+2.0%+3.8%-4.9%+4.4%+0.3%-1.5%+3.8%+0.9%+2.7%+2.0%+26.0%
2018+1.6%-3.9%-2.0%+4.6%+0.2%-0.7%+3.1%-2.3%+0.5%-5.3%-0.9%-5.6%-10.7%
2017-0.4%+2.9%+3.3%+1.7%+1.5%-2.5%-0.4%-0.9%+3.9%+1.9%-2.1%+0.8%+9.7%
2016-6.3%-2.3%+1.3%+2.0%+2.4%-4.3%+3.5%+0.7%-0.1%-0.9%+1.0%+5.8%+2.0%
2015+7.2%+6.9%+1.6%-0.0%+1.5%-4.7%+3.9%-8.4%-4.3%+8.2%+2.6%-5.4%+7.7%
2014-2.2%+4.3%-1.4%+2.5%+2.6%-0.6%-1.6%+2.0%+0.3%-1.9%+3.1%-1.5%+5.4%
2013+2.5%+0.6%+2.3%+1.6%+1.2%-4.9%+3.6%-0.7%+4.0%+3.7%+1.0%+0.6%+16.3%
2012+2.4%+2.6%-0.4%-1.6%-5.3%+5.7%+4.2%+1.5%+0.4%+0.3%+1.2%+0.9%+12.2%
2011---------0.8%+7.4%-0.5%+3.1%+9.2%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +35.28% • The longest drawdown period lasted for 2 years and was between April 2015 and May 2017. It reached a trough of -26.2%.
When could this portfolio get you to financial independence?

test returned +9.18% a year over the 15 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.

Detailed Metrics

Returns
Total Return
+271.16%
Annualized Return
+9.18%
Avg Monthly Return
+0.80%
Risk
Volatility (Annual)
+15.96%
Max Drawdown
+35.28%
Positive Months
62%
Average Drawdown
-5.7%
Risk-Adjusted
Sharpe Ratio
0.45
Risk-free rate: 2.0%
Sortino Ratio
0.42
Downside risk adjusted
Return/Volatility
0.58
Calmar Ratio
0.26
Return/Max Drawdown
Ulcer Index
7.76
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
37,115.92
Backtest Period
2011-09-29 to 2026-09-03
14.9 years
Rebalancing
none
Base Currency
EUR