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Hybrid Theory - Retirement

Created byuser-xsvckd
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Monthly Rebalancing
EUR
Moderate Risk
3.0yr backtest

Performance Summary

Total Return+69.48%
Annualized Return+18.92%
Volatility+12.69%
Sharpe Ratio1.33
Max Drawdown+20.46%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
Retirement portfolio blending global growth, dividend income, and tech/EM ETFs for a diversified, long-term hybrid strategy.
AssetTypeAllocationTER
ANAV.XETRA
AXA IM NASDAQ 100 UCITS ETF USD Acc • IE000QDFFK00
ETF
25.0%0.14%
SPYI.XETRA
SPDR MSCI All Country World Investable Market UCITS ETF (Acc) • IE00B3YLTY66
ETF
25.0%0.17%
VDIV.XETRA
VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594
ETF
25.0%0.38%
VGWD.XETRA
Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10
ETF
10.0%0.29%
XSX7.XETRA
Xtrackers Stoxx Europe 600 UCITS ETF 1D • LU2581375156
ETF
5.0%0.07%
SEC0.XETRA
iShares MSCI Global Semiconductors UCITS ETF USD (Acc) • IE000I8KRLL9
ETF
5.0%0.35%
IS3N.XETRA
iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66
ETF
5.0%0.18%
Total100.0%0.23%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €16,948.49
Histogram of Monthly Returns
The portfolio had a positive return during 28 of the 38 months (74%)
Monthly Returns Heatmap
Best month: +6.5% • Worst month: -6.3% • Best year: 2024 (+21.9%) • Worst year: 2026 (+3.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.9%+2.6%-4.2%+1.9%--------+3.1%
2025+4.5%-0.9%-6.3%-3.8%+6.5%+1.3%+4.2%+0.1%+3.2%+5.0%+0.2%+1.2%+15.4%
2024+2.5%+2.9%+3.8%-1.4%+1.8%+4.1%+0.0%-0.9%+1.8%+0.4%+5.2%-0.2%+21.9%
2023--+3.6%+0.1%+2.7%+4.0%+3.3%-3.6%-0.9%-3.7%+5.9%+4.8%+16.9%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +20.46% • The longest drawdown period lasted for 6 months and was between February 2025 and September 2025. It reached a trough of -20.5%.

Dividend Income

Summary
This portfolio contains 3 distributing ETFs (40.0% of total allocation)

Total Dividends Received

€613.14

35 payments

Dividend Yield

1.50%

(annualized)

Avg Per Payment

€17.52

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€28.75
2025€208.51
2024€203.61
2023€172.28
Total€613.14

Detailed Metrics

Returns
Total Return
+69.48%
Annualized Return
+18.92%
Avg Monthly Return
+1.44%
Risk
Volatility (Annual)
+12.69%
Max Drawdown
+20.46%
Positive Months
74%
Average Drawdown
-2.8%
Risk-Adjusted
Sharpe Ratio
1.33
Risk-free rate: 2.0%
Sortino Ratio
1.21
Downside risk adjusted
Return/Volatility
1.49
Calmar Ratio
0.92
Return/Max Drawdown
Ulcer Index
3.77
Drawdown depth & duration
Martin Ratio
0.04
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€16,948.49
Backtest Period
2023-03-17 to 2026-04-02
3.0 years
Rebalancing
monthly
Base Currency
EUR