TESTING

TEST

Holdings

Asset Allocation

Asset Class

Equity 49.0%Bonds 40.0%Money Market 6.0%Precious Metals 5.0%

Holdings Details

Diversified EUR ETF portfolio blending government bonds, European equities, emerging markets, and gold for balanced multi-asset growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
IS0Z.XETRA iShares Global AAA-AA Government Bond UCITS ETF (Dist) • IE00B87G8S03	IE00B87G8S03	Dist	ETF	30.0%	0.2%
LYP6.XETRA Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753	LU0908500753	Acc	ETF	27.0%	0.07%
IS3N.XETRA iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66	IE00BKM4GZ66	Acc	ETF	11.0%	0.18%
LYQ7.XETRA Amundi Euro Government Inflation-Linked Bond UCITS ETF Acc • LU1650491282	LU1650491282	Acc	ETF	10.0%	0.09%
L8I3.XETRA Amundi EUR Overnight Return UCITS ETF Acc • FR0010510800	FR0010510800	Acc	ETF	6.0%	0.1%
SXRJ.XETRA iShares MSCI EMU Small Cap UCITS ETF (Acc) • IE00B3VWMM18	IE00B3VWMM18	Acc	ETF	6.0%	0.58%
JPNK.PA Amundi JPX Nikkei 400 UCITS ETF EUR (C) • LU1681038912	LU1681038912	Acc	ETF	5.0%	0.18%
GOLD.PA Amundi Physical Gold ETC (C) • FR0013416716	FR0013416716	Acc	ETF	5.0%	0.12%
Total		Total			100.0%	0.16%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €15,244.44

Histogram of Monthly Returns

The portfolio had a positive return during 56 of the 84 months (67%)

Monthly Returns Heatmap

Best month: +5.3% • Worst month: -7.9% • Best year: 2025 (+14.8%) • Worst year: 2022 (-11.3%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+4.4%	+3.7%	-6.4%	+1.5%	-	-	-	-	-	-	-	-	+2.9%
2025	+3.6%	+1.6%	-2.0%	-0.2%	+2.9%	-0.5%	+1.2%	+0.5%	+2.4%	+2.8%	+0.6%	+1.1%	+14.8%
2024	+0.3%	+0.9%	+3.1%	-0.5%	+1.4%	+0.2%	+1.5%	+0.4%	+1.1%	-1.7%	+1.5%	-0.9%	+7.6%
2023	+4.5%	-0.6%	+0.8%	+0.4%	-0.3%	+0.8%	+1.6%	-1.6%	-1.6%	-1.8%	+4.4%	+3.3%	+10.0%
2022	-2.1%	-1.6%	+0.1%	-0.8%	-1.8%	-4.8%	+5.3%	-3.4%	-5.5%	+2.0%	+4.6%	-3.2%	-11.3%
2021	+0.2%	-0.1%	+3.3%	+0.1%	+1.5%	+1.1%	+0.9%	+1.1%	-1.4%	+1.8%	-0.7%	+2.2%	+10.2%
2020	-0.1%	-3.4%	-7.9%	+4.5%	+0.9%	+2.1%	+0.2%	+1.0%	+0.1%	-1.3%	+5.3%	+1.8%	+2.6%
2019	-	-	-	-	-0.1%	+2.7%	+1.2%	+0.6%	+1.4%	+0.2%	+1.1%	+1.3%	+8.7%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +19.80% • The longest drawdown period lasted for 2 years and 4 months and was between November 2021 and March 2024. It reached a trough of -15.6%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (30.0% of total allocation)

Total Dividends Received

€239.82

13 payments

Dividend Yield

0.29%

(annualized)

Avg Per Payment

€18.45

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
2025	€66.96	0.48%	2
2024	€62.60	0.50%	2
2023	€42.49	0.37%	2
2022	€20.82	0.18%	2
2021	€14.55	0.12%	2
2020	€19.32	0.18%	2
2019	€13.07	0.12%	1
Total	€239.82	0.29%	13

Detailed Metrics

Returns

Total Return

+52.44%

Annualized Return

+6.35%

Avg Monthly Return

+0.53%

Risk

Volatility (Annual)

+8.93%

Max Drawdown

+19.80%

Positive Months

67%

Average Drawdown

-4.4%

Risk-Adjusted

Sharpe Ratio

0.49

Risk-free rate: 2.0%

Sortino Ratio

0.44

Downside risk adjusted

Return/Volatility

0.71

Calmar Ratio

0.32

Return/Max Drawdown

Ulcer Index

5.57

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€15,244.44

Backtest Period

2019-05-28 to 2026-04-02
6.8 years

Rebalancing

none

Base Currency

EUR

Performance Summary

Holdings

Performance

Dividend Income

Detailed Metrics