Ursulax

Two brokers

Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
Multi-currency
5.1yr backtest

Performance Summary

Total Return+107.65%
Annualized Return+15.47%
Volatility+13.17%
Sharpe Ratio1.02
Max Drawdown+17.86%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
A diversified global equity ETF portfolio targeting dividend income and growth across U.S., international, and technology sectors.
AssetTypeAllocationTER
SCHD.US
Schwab U.S. Dividend Equity ETFUS8085247976
ETF
40.0%0.06%
VYMI.US
Vanguard International High Dividend Yield Index Fund ETF SharesUS9219467944
ETF
25.0%0.22%
PSWD.XETRA
Invesco RAFI All-World Fundamental Value UCITS ETFIE00B23LNQ02
ETF
20.0%0.39%
SEC0.XETRA
iShares MSCI Global Semiconductors UCITS ETF USD (Acc)IE000I8KRLL9
ETF
15.0%0.35%
Total100.0%0.21%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €20,764.71
Histogram of Monthly Returns
The portfolio had a positive return during 42 of the 62 months (68%)
Monthly Returns Heatmap
Best month: +11.6% • Worst month: -7.8% • Best year: 2026 (+36.6%) • Worst year: 2022 (-6.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+7.7%+5.8%-4.5%+11.6%+9.3%+5.1%-5.1%+1.9%+1.2%---+36.6%
2025+3.4%+0.5%-5.2%-6.8%+4.4%+1.2%+2.4%+2.8%+2.6%+4.7%+0.9%+1.4%+12.1%
2024+2.1%+3.6%+4.3%-2.2%+2.0%+2.0%+1.3%-0.8%+0.5%+0.2%+5.1%-2.4%+16.6%
2023+4.6%+0.1%-2.1%-1.7%+1.6%+3.2%+3.3%-1.5%-1.2%-4.0%+5.2%+5.1%+12.8%
2022-1.9%-1.3%+3.0%-1.3%+1.2%-7.8%+7.0%-1.8%-6.5%+6.8%+3.7%-6.0%-6.1%
2021-------+0.6%-1.3%+4.2%+0.8%+5.4%+9.9%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +17.86% • The longest drawdown period lasted for 1 year and was between August 2022 and September 2023. It reached a trough of -12.1%.
When could this portfolio get you to financial independence?

Ursulax returned +15.47% a year over the 5 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.

Dividend Income

Summary
This portfolio contains 3 distributing ETFs (85.0% of total allocation)

Total Dividends Received

1,485.67

60 payments

Dividend Yield

2.29%

(annualized)

Avg Per Payment

24.76

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
2026216.33
2025390.85
2024304.32
2023241.55
2022226.70
2021105.94
Total1,485.67

Detailed Metrics

Returns
Total Return
+107.65%
Annualized Return
+15.47%
Avg Monthly Return
+1.26%
Risk
Volatility (Annual)
+13.17%
Max Drawdown
+17.86%
Positive Months
68%
Average Drawdown
-3.7%
Risk-Adjusted
Sharpe Ratio
1.02
Risk-free rate: 2.0%
Sortino Ratio
0.97
Downside risk adjusted
Return/Volatility
1.17
Calmar Ratio
0.87
Return/Max Drawdown
Ulcer Index
4.52
Drawdown depth & duration
Martin Ratio
0.03
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
20,764.71
Backtest Period
2021-08-06 to 2026-09-04
5.1 years
Rebalancing
none
Base Currency
EUR