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
6.2yr backtest

Performance Summary

Total Return+48.87%
Annualized Return+6.68%
Volatility+11.40%
Sharpe Ratio0.41
Max Drawdown+23.99%

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 €14,886.8
Histogram of Monthly Returns
The portfolio had a positive return during 48 of the 75 months (64%)
Monthly Returns Heatmap
Best month: +7.6% • Worst month: -9.0% • Best year: 2021 (+21.0%) • Worst year: 2022 (-14.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.3%+1.8%-4.8%+1.3%---------0.5%
2025+3.4%-0.0%-4.6%-1.1%+3.4%+0.3%+2.2%-0.6%+1.8%+2.9%+0.3%+0.4%+8.3%
2024+1.4%+1.0%+3.3%-1.7%+1.8%+2.4%+0.4%+0.8%+0.9%-0.5%+4.5%-1.2%+13.8%
2023+4.6%-0.1%+0.9%+0.7%+0.7%+2.3%+1.7%-1.1%-2.2%-1.8%+5.4%+4.0%+15.9%
2022-3.8%-2.8%+2.0%-2.5%-1.8%-5.4%+7.6%-3.7%-5.4%+4.2%+2.1%-4.9%-14.3%
2021-0.2%+1.2%+4.3%+1.9%+0.3%+2.6%+2.6%+1.4%-2.2%+4.0%+0.7%+3.0%+21.0%
2020--7.4%-9.0%+6.5%+1.6%+1.9%-0.0%+3.1%-0.6%-2.1%+7.5%+1.0%+1.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +23.99% • The longest drawdown period lasted for 2 years and was between January 2022 and January 2024. It reached a trough of -16.6%.

Detailed Metrics

Returns
Total Return
+48.87%
Annualized Return
+6.68%
Avg Monthly Return
+0.58%
Risk
Volatility (Annual)
+11.40%
Max Drawdown
+23.99%
Positive Months
64%
Average Drawdown
-5.3%
Risk-Adjusted
Sharpe Ratio
0.41
Risk-free rate: 2.0%
Sortino Ratio
0.37
Downside risk adjusted
Return/Volatility
0.59
Calmar Ratio
0.28
Return/Max Drawdown
Ulcer Index
6.74
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
14,886.8
Backtest Period
2020-02-04 to 2026-04-02
6.2 years
Rebalancing
annual
Base Currency
EUR