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Conservative Bonds ETF Portfolio

A capital preservation portfolio focused on short-duration EUR bonds. Core allocation (65%) in government and high-quality corporate bonds provides stability, while ultrashort bonds (20%) ensure liquidity. Small high-yield allocation (5%) adds yield enhancement. Annual rebalancing maintains target allocations while minimizing interest rate risk through short maturities (0-3 years).

Created byuser-riql33
Optimize FIRE Projection
Annual Rebalancing
EUR
Low Risk
4.4yr backtest

Performance Summary

Total Return+9.43%
Annualized Return+2.08%
Volatility+1.14%
Sharpe Ratio0.07
Max Drawdown+2.35%

Holdings

Asset Allocation

Asset Class

Bonds 90.0%Money Market 10.0%
Holdings Details
Conservative EUR bond ETF portfolio for capital preservation. Short-duration, diversified holdings, annual rebalancing. Ideal for low-risk investors. (149 chars)
AssetTypeAllocationTER
DBXP.XETRA
Xtrackers Eurozone Government Bond 1-3 UCITS ETF 1C • LU0290356871
ETF
40.0%0.1%
ECR3.XETRA
Amundi Index Euro Corporate SRI 0-3 Y UCITS ETF DR (C) • LU2037748774
ETF
25.0%0.12%
ERNX.XETRA
iShares EUR Ultrashort Bond UCITS ETF EUR (Acc) • IE000RHYOR04
ETF
20.0%0.09%
L8I3.XETRA
Amundi EUR Overnight Return UCITS ETF Acc • FR0010510800
ETF
10.0%0.1%
XHYG.XETRA
Xtrackers EUR High Yield Corporate Bond UCITS ETF 1D • LU1109942653
ETF
5.0%0.2%
Total100.0%0.11%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €10,942.71
Histogram of Monthly Returns
The portfolio had a positive return during 42 of the 54 months (78%)
Monthly Returns Heatmap
Best month: +1.0% • Worst month: -1.1% • Best year: 2023 (+4.0%) • Worst year: 2022 (-1.7%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.3%+0.1%-0.7%+0.4%+0.3%+0.3%-0.1%+0.1%-0.2%---+0.6%
2025+0.3%+0.3%+0.1%+0.5%+0.2%+0.2%+0.2%+0.1%+0.2%+0.3%+0.1%+0.2%+2.6%
2024+0.1%-0.2%+0.5%+0.0%+0.2%+0.4%+0.8%+0.4%+0.7%+0.1%+0.6%+0.1%+3.7%
2023+0.4%-0.3%+0.7%+0.1%+0.1%-0.0%+0.4%+0.3%+0.1%+0.4%+0.8%+1.0%+4.0%
2022---+0.0%-0.2%-0.8%+1.0%-1.1%-0.9%+0.1%+0.5%-0.3%-1.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +2.35% • The longest drawdown period lasted for 1 year and 4 months and was between May 2022 and October 2023. It reached a trough of -2.4%.
When could this portfolio get you to financial independence?

Conservative Bonds ETF Portfolio returned +2.08% a year over the 4 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (5.0% of total allocation)

Total Dividends Received

€109.37

18 payments

Dividend Yield

0.24%

(annualized)

Avg Per Payment

€6.08

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
YearDividends
2026€20.74
2025€25.60
2024€28.77
2023€20.92
2022€13.34
Total€109.37

Detailed Metrics

Returns
Total Return
+9.43%
Annualized Return
+2.08%
Avg Monthly Return
+0.17%
Risk
Volatility (Annual)
+1.14%
Max Drawdown
+2.35%
Positive Months
78%
Average Drawdown
-0.5%
Risk-Adjusted
Sharpe Ratio
0.07
Risk-free rate: 2.0%
Sortino Ratio
0.08
Downside risk adjusted
Return/Volatility
1.82
Calmar Ratio
0.89
Return/Max Drawdown
Ulcer Index
0.72
Drawdown depth & duration
Martin Ratio
0.00
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€10,942.71
Backtest Period
2022-04-29 to 2026-09-11
4.4 years
Rebalancing
annual
Base Currency
EUR