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Kurzfristig Scalabel

Created byuser-pqorkc

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None Rebalancing

EUR

Low Risk

4.0yr backtest

Performance Summary

Total Return+11.11%

Annualized Return+2.69%

Volatility+0.57%

Sharpe Ratio1.22

Max Drawdown+0.63%

Holdings

Asset Allocation

Asset Class

Bonds 100.0%

Holdings Details

Short-term scalable ETF portfolio with 100% allocation to ultra-short EUR bonds for stability and liquidity.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
ERNX.XETRA iShares EUR Ultrashort Bond UCITS ETF EUR (Acc) • IE000RHYOR04	IE000RHYOR04	Acc	ETF	50.0%	0.09%
IS3M.XETRA iShares EUR Ultrashort Bond UCITS ETF EUR (Dist) • IE00BCRY6557	IE00BCRY6557	Dist	ETF	50.0%	0.09%
Total		Total			100.0%	0.09%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €11,111.37

Histogram of Monthly Returns

The portfolio had a positive return during 43 of the 49 months (88%)

Monthly Returns Heatmap

Best month: +0.4% • Worst month: -0.4% • Best year: 2024 (+4.1%) • Worst year: 2022 (+0.0%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+0.2%	+0.2%	-0.0%	+0.2%	-	-	-	-	-	-	-	-	+0.6%
2025	+0.3%	+0.3%	+0.2%	+0.2%	+0.3%	+0.1%	+0.3%	+0.2%	+0.2%	+0.2%	+0.1%	+0.2%	+2.6%
2024	+0.4%	+0.3%	+0.4%	+0.3%	+0.4%	+0.2%	+0.4%	+0.4%	+0.4%	+0.2%	+0.4%	+0.2%	+4.1%
2023	+0.1%	+0.2%	+0.2%	+0.2%	+0.2%	+0.3%	+0.3%	+0.4%	+0.3%	+0.3%	+0.3%	+0.4%	+3.4%
2022	-	-	-	+0.0%	-0.1%	-0.2%	+0.1%	-0.0%	-0.4%	+0.1%	+0.3%	+0.2%	+0.0%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +0.63% • The longest drawdown period lasted for 7 months and was between May 2022 and December 2022. It reached a trough of -0.6%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (50.0% of total allocation)

Total Dividends Received

€487.96

7 payments

Dividend Yield

1.17%

(annualized)

Avg Per Payment

€69.71

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
2026	€30.73	0.28%	1
2025	€148.26	1.36%	2
2024	€198.87	1.88%	2
2023	€110.10	1.09%	2
Total	€487.96	1.17%	7

Detailed Metrics

Returns

Total Return

+11.11%

Annualized Return

+2.69%

Avg Monthly Return

+0.21%

Risk

Volatility (Annual)

+0.57%

Max Drawdown

+0.63%

Positive Months

88%

Average Drawdown

-0.1%

Risk-Adjusted

Sharpe Ratio

1.22

Risk-free rate: 2.0%

Sortino Ratio

1.29

Downside risk adjusted

Return/Volatility

4.72

Calmar Ratio

4.27

Return/Max Drawdown

Ulcer Index

0.14

Drawdown depth & duration

Martin Ratio

0.05

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€11,111.37

Backtest Period

2022-04-29 to 2026-04-17
4.0 years

Rebalancing

none

Base Currency

EUR