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Vwce/VAGF/Gold

Largo plazo

Optimize
None Rebalancing
EUR
Moderate Risk
6.7yr backtest

Performance Summary

Total Return+101.26%
Annualized Return+11.02%
Volatility+15.26%
Sharpe Ratio0.59
Max Drawdown+28.16%

Holdings

Asset Allocation

Asset Class

Equity 82.0%Bonds 10.0%Precious Metals 8.0%
Holdings Details
A diversified long-term ETF portfolio combining global equities, bonds, and gold for stability and growth in EUR.
AssetTypeAllocationTER
VWCE.F
Vanguard FTSE All-World UCITS ETF (USD) AccumulatingIE00BK5BQT80
ETF
82.0%0.19%
VAGF.XETRA
Vanguard Global Aggregate Bond UCITS ETF EUR Hedged AccumulatingIE00BG47KH54
ETF
10.0%0.08%
4GLD.XETRA
Xetra-GoldDE000A0S9GB0
ETF
8.0%0%
Total100.0%0.16%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €20,126.3
Histogram of Monthly Returns
The portfolio had a positive return during 54 of the 82 months (66%)
Monthly Returns Heatmap
Best month: +10.4% • Worst month: -9.8% • Best year: 2024 (+24.5%) • Worst year: 2022 (-11.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.2%+1.7%-4.9%+1.4%--------+0.2%
2025+3.7%-1.6%-6.4%-1.9%+3.9%+1.1%+4.7%-0.6%+3.5%+4.6%-0.1%+0.9%+11.9%
2024+2.8%+3.4%+3.3%-1.2%+1.1%+3.9%+0.7%+0.5%+0.7%+1.8%+5.2%+0.1%+24.5%
2023+4.2%-0.3%+0.3%-0.1%+2.5%+2.7%+2.7%-1.1%-1.5%-3.0%+5.7%+3.5%+16.1%
2022-3.6%-2.0%+4.8%-3.0%-2.4%-6.1%+8.4%-1.8%-6.2%+3.8%+1.4%-4.4%-11.5%
2021+0.3%+2.3%+5.5%+1.4%-0.2%+2.7%+1.7%+2.6%-1.9%+4.6%+0.4%+2.6%+23.7%
2020+0.1%-6.9%-9.8%+10.4%+0.9%+1.2%+1.8%+3.5%-0.9%-1.7%+6.3%+1.9%+5.4%
2019-------0.1%-0.3%+2.3%+0.6%+2.9%+2.1%+7.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +28.16% • The longest drawdown period lasted for 1 year and 11 months and was between January 2022 and December 2023. It reached a trough of -14.7%.

Detailed Metrics

Returns
Total Return
+101.26%
Annualized Return
+11.02%
Avg Monthly Return
+0.91%
Risk
Volatility (Annual)
+15.26%
Max Drawdown
+28.16%
Positive Months
66%
Average Drawdown
-4.8%
Risk-Adjusted
Sharpe Ratio
0.59
Risk-free rate: 2.0%
Sortino Ratio
0.57
Downside risk adjusted
Return/Volatility
0.72
Calmar Ratio
0.39
Return/Max Drawdown
Ulcer Index
6.17
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
20,126.3
Backtest Period
2019-07-25 to 2026-04-02
6.7 years
Rebalancing
none
Base Currency
EUR