HomePortfoliosThree-Fund Equity & Bond Portfolio (Trading212)

Three-Fund Equity & Bond Portfolio (Trading212)

Euro denominated Vanguard three-fund strategy on Trading212 mixing US large-cap exposure (S&P 500), developed European stocks, and high-quality Eurozone government bonds in roughly equal parts to balance growth and stability for long-term investors.

Optimize
Annual Rebalancing
EUR
Moderate Risk
6.3yr backtest

Performance Summary

Total Return+56.21%
Annualized Return+7.39%
Volatility+10.84%
Sharpe Ratio0.50
Max Drawdown+23.96%

Holdings

Asset Allocation

Asset Class

Equity 66.7%Bonds 33.3%
Holdings Details
Simple EUR Vanguard ETF portfolio for Trading212 with equal thirds in S&P 500, European stocks, and Eurozone bonds for diversified growth and stability.
AssetTypeAllocationTER
VUAA.F
Vanguard S&P 500 UCITS ETF (USD) AccumulatingIE00BFMXXD54
ETF
33.4%0.07%
VGEA.XETRA
Vanguard EUR Eurozone Government Bond UCITS ETF AccumulatingIE00BH04GL39
ETF
33.3%0.07%
VWCG.XETRA
Vanguard FTSE Developed Europe UCITS ETF (EUR) AccumulatingIE00BK5BQX27
ETF
33.3%0.1%
Total100.0%0.08%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €15,620.82
Histogram of Monthly Returns
The portfolio had a positive return during 51 of the 76 months (67%)
Monthly Returns Heatmap
Best month: +7.4% • Worst month: -9.2% • Best year: 2021 (+20.4%) • Worst year: 2022 (-13.6%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.2%+1.8%-4.8%+5.1%+1.0%-------+4.2%
2025+3.5%+0.0%-4.9%-1.1%+3.8%-0.1%+2.4%-0.4%+1.6%+2.9%+0.1%+0.4%+8.3%
2024+2.0%+1.1%+3.5%-1.6%+1.5%+2.0%+1.3%+0.2%+0.6%-0.1%+4.4%-1.1%+14.5%
2023+3.7%+0.5%+0.4%+1.0%+0.9%+1.9%+1.4%-0.5%-1.9%-2.0%+5.3%+3.5%+14.6%
2022-3.5%-2.7%+1.8%-2.2%-1.9%-5.4%+7.4%-3.5%-5.6%+3.8%+2.5%-4.2%-13.6%
2021-0.2%+1.5%+4.0%+1.6%+0.5%+3.0%+2.2%+1.8%-2.4%+3.4%+1.0%+2.7%+20.4%
2020--6.9%-9.2%+6.5%+2.1%+1.0%+0.6%+2.8%-0.5%-2.3%+7.0%+1.6%+1.4%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +23.96% • The longest drawdown period lasted for 2 years and was between January 2022 and January 2024. It reached a trough of -16.4%.

Detailed Metrics

Returns
Total Return
+56.21%
Annualized Return
+7.39%
Avg Monthly Return
+0.64%
Risk
Volatility (Annual)
+10.84%
Max Drawdown
+23.96%
Positive Months
67%
Average Drawdown
-5.3%
Risk-Adjusted
Sharpe Ratio
0.50
Risk-free rate: 2.0%
Sortino Ratio
0.46
Downside risk adjusted
Return/Volatility
0.68
Calmar Ratio
0.31
Return/Max Drawdown
Ulcer Index
6.69
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
15,620.82
Backtest Period
2020-02-04 to 2026-05-08
6.3 years
Rebalancing
annual
Base Currency
EUR