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Young Investor

Created byuser-dqaxw8
FIRE Projection
Annual Rebalancing
EUR
Moderate Risk
1.9yr backtest

Performance Summary

Total Return+36.28%
Annualized Return+17.26%
Volatility+10.14%
Sharpe Ratio1.50
Max Drawdown+13.40%

Holdings

Asset Allocation

Asset Class

Equity 70.0%Bonds 20.0%Precious Metals 10.0%
Holdings Details
Diversified ETF portfolio blending 70% global equities, 20% bonds, and 10% gold for balanced long-term growth and stability.
AssetTypeAllocationTER
IS3S.XETRA
iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59
ETF
20.0%0.25%
AVWS.XETRA
Avantis Global Small Cap Value UCITS ETF USD Acc • IE0003R87OG3
ETF
20.0%0.39%
IUSQ.XETRA
iShares MSCI ACWI UCITS ETF USD (Acc) • IE00B6R52259
ETF
20.0%0.2%
EUNA.XETRA
iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) • IE00BDBRDM35
ETF
20.0%0.1%
4GLD.XETRA
Xetra-Gold • DE000A0S9GB0
ETF
10.0%0%
XDWU.XETRA
Xtrackers MSCI World Utilities UCITS ETF 1C • IE00BM67HQ30
ETF
10.0%0.25%
Total100.0%0.21%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €13,627.62
Histogram of Monthly Returns
The portfolio had a positive return during 17 of the 24 months (71%)
Monthly Returns Heatmap
Best month: +5.5% • Worst month: -4.4% • Best year: 2026 (+15.6%) • Worst year: 2024 (+2.6%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.5%+4.4%-4.4%+5.5%+4.4%+0.7%-1.1%+1.7%+0.2%---+15.6%
2025+3.8%-0.3%-3.1%-2.6%+3.4%-0.0%+2.8%+1.6%+2.7%+3.3%+1.8%+1.0%+15.0%
2024---------+0.2%+5.1%-2.6%+2.6%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +13.40% • The longest drawdown period lasted for 6 months and was between February 2025 and August 2025. It reached a trough of -13.4%.

Detailed Metrics

Returns
Total Return
+36.28%
Annualized Return
+17.26%
Avg Monthly Return
+1.33%
Risk
Volatility (Annual)
+10.14%
Max Drawdown
+13.40%
Positive Months
71%
Average Drawdown
-2.0%
Risk-Adjusted
Sharpe Ratio
1.50
Risk-free rate: 2.0%
Sortino Ratio
1.47
Downside risk adjusted
Return/Volatility
1.70
Calmar Ratio
1.29
Return/Max Drawdown
Ulcer Index
2.68
Drawdown depth & duration
Martin Ratio
0.06
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€13,627.62
Backtest Period
2024-10-01 to 2026-09-11
1.9 years
Rebalancing
annual
Base Currency
EUR