Conservateur Diversifié

Test

Holdings

Asset Allocation

Asset Class

Equity 100.0%

Holdings Details

Conservateur Diversifié: A balanced EUR-based ETF portfolio blending global and European equities with annual rebalancing for steady, diversified growth.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
CW8.PA Amundi MSCI World Swap UCITS ETF EUR Acc • LU1681043599	LU1681043599	Acc	ETF	45.0%	0.38%
MEUD.PA Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753	LU0908500753	Acc	ETF	18.0%	0.07%
SXR7.XETRA iShares Core MSCI EMU UCITS ETF EUR (Acc) • IE00B53QG562	IE00B53QG562	Acc	ETF	17.0%	0.12%
CD5.PA Amundi Core EURO STOXX 50 UCITS ETF EUR Dist • LU1681047319	LU1681047319	Dist	ETF	10.0%	0.09%
BNKE.PA Amundi Euro Stoxx Banks UCITS ETF Acc • LU1829219390	LU1829219390	Acc	ETF	10.0%	0.3%
Total		Total			100.0%	0.24%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €31,888.38

Histogram of Monthly Returns

The portfolio had a positive return during 91 of the 148 months (61%)

Monthly Returns Heatmap

Best month: +14.1% • Worst month: -15.3% • Best year: 2021 (+29.3%) • Worst year: 2022 (-10.9%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.2%	+1.8%	-7.0%	+2.2%	-	-	-	-	-	-	-	-	-1.0%
2025	+5.9%	+1.8%	-4.7%	-1.7%	+6.6%	-0.2%	+3.6%	+0.4%	+2.7%	+2.9%	+0.9%	+2.4%	+22.0%
2024	+3.0%	+3.1%	+5.1%	-1.2%	+2.4%	+0.6%	+1.0%	+0.5%	+1.0%	-0.9%	+3.3%	+0.6%	+19.9%
2023	+7.5%	+1.8%	-1.2%	+1.3%	-0.3%	+4.2%	+2.6%	-1.8%	-1.8%	-3.3%	+6.8%	+3.4%	+20.2%
2022	-3.1%	-4.3%	+1.8%	-2.2%	-0.9%	-7.7%	+7.9%	-3.2%	-5.4%	+6.4%	+4.7%	-4.0%	-10.9%
2021	-0.9%	+4.8%	+6.2%	+2.4%	+2.0%	+2.0%	+1.4%	+2.8%	-1.8%	+4.8%	-2.0%	+4.7%	+29.3%
2020	-0.8%	-8.5%	-15.3%	+7.5%	+3.3%	+3.5%	-1.2%	+4.6%	-2.1%	-4.0%	+14.1%	+1.9%	-0.1%
2019	+6.2%	+4.4%	+1.4%	+4.6%	-5.7%	+4.3%	+1.6%	-1.9%	+4.0%	+0.7%	+3.6%	+1.3%	+26.7%
2018	+2.7%	-3.1%	-3.2%	+4.3%	-0.1%	-0.1%	+3.2%	-1.3%	+0.5%	-5.7%	-0.1%	-6.7%	-9.9%
2017	-0.4%	+3.1%	+3.5%	+1.2%	+0.0%	-1.4%	+0.1%	-1.0%	+3.8%	+2.4%	-1.4%	+0.0%	+10.0%
2016	-8.2%	-1.4%	+1.7%	+1.3%	+2.9%	-5.0%	+5.0%	+0.8%	-0.3%	+1.7%	+2.3%	+5.1%	+5.0%
2015	+5.6%	+7.3%	+3.5%	-1.5%	+1.6%	-3.5%	+3.8%	-8.8%	-4.1%	+8.5%	+3.1%	-4.6%	+9.5%
2014	-2.1%	+3.9%	-0.2%	+0.4%	+3.7%	+0.4%	-1.4%	+2.0%	+2.2%	-1.8%	+3.9%	-1.1%	+10.1%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +35.81% • The longest drawdown period lasted for 1 year and 11 months and was between April 2015 and March 2017. It reached a trough of -26.4%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (10.0% of total allocation)

Total Dividends Received

€576.91

13 payments

Dividend Yield

0.27%

(annualized)

Avg Per Payment

€44.38

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

Year	Dividends	Yield	Payments
2025	€79.54	0.27%	1
2024	€67.91	0.27%	1
2023	€61.91	0.30%	1
2022	€53.23	0.29%	1
2021	€35.46	0.19%	1
2020	€31.46	0.22%	1
2019	€45.16	0.31%	1
2018	€44.88	0.32%	2
2017	€42.01	0.31%	1
2016	€40.47	0.35%	1
2015	€40.60	0.33%	1
2014	€34.29	0.33%	1
Total	€576.91	0.27%	13

Detailed Metrics

Returns

Total Return

+218.88%

Annualized Return

+9.95%

Avg Monthly Return

+0.86%

Risk

Volatility (Annual)

+15.93%

Max Drawdown

+35.81%

Positive Months

61%

Average Drawdown

-5.9%

Risk-Adjusted

Sharpe Ratio

0.50

Risk-free rate: 2.0%

Sortino Ratio

0.46

Downside risk adjusted

Return/Volatility

0.62

Calmar Ratio

0.28

Return/Max Drawdown

Ulcer Index

7.95

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€31,888.38

Backtest Period

2014-01-09 to 2026-04-02
12.2 years

Rebalancing

annual

Base Currency

EUR

Performance Summary

Holdings

Performance

Dividend Income

Detailed Metrics