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Created byuser-0eabmb

Quarterly Rebalancing

EUR

Low Risk

1.6yr backtest

Performance Summary

Total Return+16.77%

Annualized Return+10.45%

Volatility+7.92%

Sharpe Ratio1.07

Max Drawdown+10.47%

Holdings

Asset Allocation

Asset Class

Equity 55.0%Bonds 40.0%Precious Metals 5.0%

Holdings Details

A globally diversified ETF portfolio blending world stocks, bonds, and gold for balanced growth and stability across major asset classes.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
EXUS.XETRA Xtrackers MSCI World ex USA UCITS ETF 1C • IE0006WW1TQ4	IE0006WW1TQ4	Acc	ETF	30.0%	0.15%
ERNX.XETRA iShares EUR Ultrashort Bond UCITS ETF EUR (Acc) • IE000RHYOR04	IE000RHYOR04	Acc	ETF	25.0%	0.09%
WEBN.XETRA Amundi Prime All Country World UCITS ETF Acc • IE0003XJA0J9	IE0003XJA0J9	Acc	ETF	20.0%	0.07%
VAGF.XETRA Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulating • IE00BG47KH54	IE00BG47KH54	Acc	ETF	15.0%	0.08%
GOLD-EUR.PA Amundi Physical Gold ETC (C) • FR0013416716	FR0013416716	Acc	ETF	5.0%	0.12%
AVWS.XETRA Avantis Global Small Cap Value UCITS ETF USD Acc • IE0003R87OG3	IE0003R87OG3	Acc	ETF	5.0%	0.39%
Total		Total			100.0%	0.12%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €11,677.23

Histogram of Monthly Returns

The portfolio had a positive return during 13 of the 19 months (68%)

Monthly Returns Heatmap

Best month: +3.6% • Worst month: -4.3% • Best year: 2025 (+11.0%) • Worst year: 2024 (+1.2%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.1%	+2.8%	-4.3%	+3.6%	-	-	-	-	-	-	-	-	+4.0%
2025	+3.3%	+0.1%	-2.7%	-1.2%	+3.0%	-0.1%	+1.8%	+0.8%	+1.8%	+2.4%	+0.6%	+0.9%	+11.0%
2024	-	-	-	-	-	-	-	-	-	-0.7%	+3.1%	-1.1%	+1.2%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +10.47% • The longest drawdown period lasted for 5 months and was between February 2025 and August 2025. It reached a trough of -10.5%.

Detailed Metrics

Returns

Total Return

+16.77%

Annualized Return

+10.45%

Avg Monthly Return

+0.84%

Risk

Volatility (Annual)

+7.92%

Max Drawdown

+10.47%

Positive Months

68%

Average Drawdown

-1.6%

Risk-Adjusted

Sharpe Ratio

1.07

Risk-free rate: 2.0%

Sortino Ratio

1.02

Downside risk adjusted

Return/Volatility

1.32

Calmar Ratio

1.00

Return/Max Drawdown

Ulcer Index

2.13

Drawdown depth & duration

Martin Ratio

0.04

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€11,677.23

Backtest Period

2024-10-01 to 2026-04-24
1.6 years

Rebalancing

quarterly

Base Currency

EUR