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The €29,874.57 invested grew into a market value of €44,232.07 — an overall ROI of 48.06%. The period's only notable pullback, between February and April 2025, was fully recovered within the year without any change in strategy.
85.3% of the €401.39 total cost comes from implicit spreads, not commissions. The two main drivers are Bitcoin EUR via Conio (€99.27) and the Asia Pacific ex Japan ETF via Fineco (€98.21) — both thinner-liquidity instruments.
| Asset | ROI | Weight |
|---|---|---|
| Vanguard FTSE North America | +40.87% | 41.99% |
| Vanguard FTSE Emerging Markets | +42.42% | 16.67% |
| Vanguard FTSE Developed Europe | +38.65% | 12.56% |
| Vanguard FTSE Japan | +43.06% | 9.59% |
| Vanguard Asia Pacific ex Japan | +90.82% | 7.70% |
| Bitcoin EUR | −44.72% | 4.08% |
Over 95% of the value sits in Vanguard ETFs across developed and emerging markets; the crypto sleeve is only 4.7% of the book but has averaged −41.44%, an isolated idiosyncratic risk relative to the rest of the allocation.
The 48.06% cumulative return works out to roughly 15.8% annualized, against an annualized volatility of 11.04% — a return/risk ratio of about 1.4×. The Vanguard FTSE North America position alone generates about 37% of total profit.
Annualized volatility stays contained at 11.04%, but with pronounced tails: the 26.36% spike in April 2025 coincides with the "Liberation Day" tariff shock, then fully absorbed over the following months.
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