HomePortfoliosV1 - Global
Optimize FIRE Projection
None Rebalancing
EUR
Moderate Risk
Multi-currency
16.0yr backtest

Performance Summary

Total Return+1104.16%
Annualized Return+16.84%
Volatility+19.90%
Sharpe Ratio0.75
Max Drawdown+30.54%

Holdings

Asset Allocation

Asset Class

Equity 100.0%
Holdings Details
A globally diversified ETF portfolio blending US tech (QQQ), broad US market (VOO), and developed & emerging international equities (VEA/VWO) for growth.
AssetTypeAllocationTER
QQQ.US
Invesco QQQ TrustUS46090E1038
ETF
40.0%0.2%
VOO.US
Vanguard S&P 500 ETFUS9229083632
ETF
30.0%0.03%
VEA.US
Vanguard FTSE Developed Markets Index Fund ETF SharesUS9219438580
ETF
20.0%0.05%
VWO.US
Vanguard FTSE Emerging Markets Index Fund ETF SharesUS9220428588
ETF
10.0%0.08%
Total100.0%0.11%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €120,415.88
Histogram of Monthly Returns
The portfolio had a positive return during 125 of the 193 months (65%)
Monthly Returns Heatmap
Best month: +13.6% • Worst month: -9.9% • Best year: 2023 (+37.1%) • Worst year: 2022 (-22.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026-0.2%+0.1%-3.3%+12.0%+9.2%+1.6%-5.2%+2.9%+0.5%---+17.7%
2025+2.5%-1.9%-9.9%-3.5%+7.4%+1.6%+4.2%+0.7%+4.1%+5.4%-1.1%-1.4%+7.0%
2024+3.6%+5.0%+2.1%-2.9%+3.9%+6.1%-1.3%-0.5%+1.5%+1.3%+8.1%+1.0%+31.0%
2023+7.5%+1.2%+4.3%-0.5%+7.6%+3.9%+3.1%-0.4%-2.6%-2.1%+7.0%+3.8%+37.1%
2022-6.0%-3.8%+5.1%-7.0%-2.5%-6.6%+13.6%-3.0%-8.1%+4.6%+0.8%-9.7%-22.3%
2021+0.6%+1.4%+5.5%+2.9%-1.6%+7.1%+2.3%+4.1%-3.4%+7.4%+2.6%+1.9%+35.0%
2020+2.8%-6.5%-9.8%+13.4%+4.9%+2.9%+1.2%+8.8%-3.5%-2.1%+7.7%+3.4%+22.9%
2019+8.4%+3.7%+3.9%+5.1%-6.7%+4.5%+4.4%-1.7%+2.5%+1.6%+5.0%+1.9%+36.9%
2018+2.4%-0.8%-3.5%+3.3%+6.4%+1.0%+2.5%+3.7%-0.0%-5.9%+0.8%-8.6%+0.3%
2017+2.0%+5.9%+0.1%+0.5%-0.3%-3.0%+0.3%+0.8%+1.3%+5.0%-0.3%+0.7%+13.5%
2016-6.1%-0.6%+2.1%-0.7%+4.1%-0.7%+6.0%-0.4%+1.1%+0.0%+4.8%+2.3%+12.1%
2015+5.3%+7.6%+2.0%-1.6%+3.4%-3.5%+4.2%-9.9%-1.8%+11.8%+3.6%-4.5%+15.7%
2014-1.6%+3.6%-1.3%-0.1%+5.2%+1.8%+1.8%+5.8%+2.4%+2.3%+4.2%+0.5%+27.3%
2013+0.3%+5.0%+4.2%+0.1%+2.4%-2.3%+4.2%-1.9%+2.8%+4.9%+1.7%+0.9%+24.4%
2012+5.2%+4.2%+2.9%-0.4%-1.7%+2.6%+4.6%+1.3%-0.7%-3.4%+1.0%-0.3%+16.0%
2011-1.4%+3.4%-3.3%-0.4%+1.6%-2.9%+0.5%-5.4%-1.6%+8.3%-0.0%+3.4%+1.5%
2010---------3.5%+3.7%+4.7%+4.6%+9.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +30.54% • The longest drawdown period lasted for 1 year and 8 months and was between January 2022 and September 2023. It reached a trough of -24.5%.
When could this portfolio get you to financial independence?

V1 - Global returned +16.84% a year over the 16 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 4 distributing ETFs (100.0% of total allocation)

Total Dividends Received

8,586.94

247 payments

Dividend Yield

1.25%

(annualized)

Avg Per Payment

34.76

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
2026412.06
2025893.31
2024890.02
2023777.47
2022731.11
2021602.54
2020520.25
2019580.21
2018474.47
2017443.04
2016425.77
2015393.29
2014363.86
2013340.01
2012336.00
2011256.61
2010146.96
Total8,586.94

Detailed Metrics

Returns
Total Return
+1104.16%
Annualized Return
+16.84%
Avg Monthly Return
+1.39%
Risk
Volatility (Annual)
+19.90%
Max Drawdown
+30.54%
Positive Months
65%
Average Drawdown
-5.2%
Risk-Adjusted
Sharpe Ratio
0.75
Risk-free rate: 2.0%
Sortino Ratio
0.72
Downside risk adjusted
Return/Volatility
0.85
Calmar Ratio
0.55
Return/Max Drawdown
Ulcer Index
6.91
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
120,415.88
Backtest Period
2010-09-09 to 2026-09-04
16.0 years
Rebalancing
none
Base Currency
EUR