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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).

Optimize
Annual Rebalancing
EUR
Low Risk
4.0yr backtest

Performance Summary

Total Return+9.16%
Annualized Return+2.23%
Volatility+1.16%
Sharpe Ratio0.20
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 1CLU0290356871
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 AccFR0010510800
ETF
10.0%0.1%
XHYG.XETRA
Xtrackers EUR High Yield Corporate Bond UCITS ETF 1DLU1109942653
ETF
5.0%0.2%
Total100.0%0.11%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €10,916.3
Histogram of Monthly Returns
The portfolio had a positive return during 39 of the 49 months (80%)
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%+0.6%--------+0.4%
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%.

Dividend Income

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

Total Dividends Received

95.39

16 payments

Dividend Yield

0.23%

(annualized)

Avg Per Payment

5.96

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
20266.76
202525.60
202428.77
202320.92
202213.34
Total95.39

Detailed Metrics

Returns
Total Return
+9.16%
Annualized Return
+2.23%
Avg Monthly Return
+0.18%
Risk
Volatility (Annual)
+1.16%
Max Drawdown
+2.35%
Positive Months
80%
Average Drawdown
-0.6%
Risk-Adjusted
Sharpe Ratio
0.20
Risk-free rate: 2.0%
Sortino Ratio
0.21
Downside risk adjusted
Return/Volatility
1.92
Calmar Ratio
0.95
Return/Max Drawdown
Ulcer Index
0.75
Drawdown depth & duration
Martin Ratio
0.00
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
10,916.3
Backtest Period
2022-04-29 to 2026-04-17
4.0 years
Rebalancing
annual
Base Currency
EUR