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Strategia 1 anno (4)

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Monthly Rebalancing

EUR

Low Risk

11.1yr backtest

Performance Summary

Total Return+126.20%

Annualized Return+7.66%

Volatility+7.92%

Sharpe Ratio0.71

Max Drawdown+15.51%

Holdings

Asset Allocation

Asset Class

Bonds 45.0%Equity 40.0%Money Market 15.0%

Holdings Details

A 1-year ETF portfolio blending 40% Nasdaq 100 growth with 85% ultra-short and overnight bonds for a balanced, diversified strategy.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
IS3M.XETRA iShares EUR Ultrashort Bond UCITS ETF EUR (Dist) • IE00BCRY6557	IE00BCRY6557	Dist	ETF	45.0%	0.09%
CNDX.LSE iShares Nasdaq 100 UCITS ETF (Acc) • IE00B53SZB19	IE00B53SZB19	Acc	ETF	40.0%	0.3%
CSH2.PA Amundi Smart Overnight Return UCITS ETF Acc • LU1190417599	LU1190417599	Acc	ETF	15.0%	0.1%
Total		Total			100.0%	0.18%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €22,620.36

Histogram of Monthly Returns

The portfolio had a positive return during 92 of the 134 months (69%)

Monthly Returns Heatmap

Best month: +5.7% • Worst month: -4.9% • Best year: 2023 (+22.6%) • Worst year: 2022 (-14.3%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+0.5%	-1.0%	-2.6%	+1.1%	-	-	-	-	-	-	-	-	-1.9%
2025	+1.1%	-1.9%	-3.0%	+0.7%	+4.1%	+2.7%	+1.6%	+0.1%	+2.1%	+2.3%	-0.7%	+0.2%	+9.4%
2024	+1.0%	+1.8%	+1.0%	-1.2%	+1.7%	+3.6%	-0.8%	+0.3%	+1.5%	+0.1%	+2.2%	+0.9%	+12.7%
2023	+4.4%	+0.3%	+3.5%	+0.4%	+3.4%	+2.9%	+1.6%	-0.3%	-1.7%	-1.1%	+4.5%	+2.9%	+22.6%
2022	-4.1%	-1.2%	+2.1%	-4.9%	-1.9%	-3.4%	+4.4%	-1.4%	-3.6%	+0.6%	+0.6%	-2.1%	-14.3%
2021	+0.4%	-0.2%	+0.5%	+2.3%	-0.4%	+2.4%	+1.0%	+1.7%	-1.9%	+2.5%	+1.0%	+0.7%	+10.4%
2020	+1.4%	-3.0%	-2.5%	+5.7%	+2.1%	+2.9%	+3.0%	+4.4%	-1.7%	-1.4%	+3.9%	+2.4%	+18.2%
2019	+3.6%	+1.2%	+1.5%	+2.0%	-2.8%	+2.7%	+1.7%	-1.6%	+0.4%	+1.7%	+1.8%	+1.4%	+14.4%
2018	+3.0%	-0.1%	-2.3%	+0.9%	+1.9%	+0.5%	+0.9%	+2.4%	-0.1%	-3.5%	-0.4%	-3.2%	-0.3%
2017	+1.3%	+2.0%	+0.8%	+1.1%	+1.5%	-0.8%	+1.6%	+0.6%	+0.0%	+1.9%	+0.7%	+0.7%	+11.9%
2016	-3.7%	+0.4%	+2.4%	-1.6%	+2.0%	-1.1%	+3.2%	+0.4%	+0.9%	-0.5%	+0.3%	+0.8%	+3.1%
2015	-	-	+0.5%	+0.8%	+0.5%	-0.9%	+1.9%	-2.3%	-1.5%	+5.0%	+0.0%	-0.2%	+3.5%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +15.51% • The longest drawdown period lasted for 1 year and 7 months and was between November 2021 and July 2023. It reached a trough of -15.5%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (45.0% of total allocation)

Total Dividends Received

€849.30

10 payments

Dividend Yield

0.51%

(annualized)

Avg Per Payment

€84.93

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	€57.19	0.25%	1
2025	€268.58	1.23%	2
2024	€341.83	1.72%	2
2023	€174.05	1.01%	2
2016	€1.50	0.01%	1
2015	€6.15	0.06%	2
Total	€849.30	0.51%	10

Detailed Metrics

Returns

Total Return

+126.20%

Annualized Return

+7.66%

Avg Monthly Return

+0.63%

Risk

Volatility (Annual)

+7.92%

Max Drawdown

+15.51%

Positive Months

69%

Average Drawdown

-2.8%

Risk-Adjusted

Sharpe Ratio

0.71

Risk-free rate: 2.0%

Sortino Ratio

0.66

Downside risk adjusted

Return/Volatility

0.97

Calmar Ratio

0.49

Return/Max Drawdown

Ulcer Index

4.20

Drawdown depth & duration

Martin Ratio

0.01

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€22,620.36

Backtest Period

2015-03-12 to 2026-04-02
11.1 years

Rebalancing

monthly

Base Currency

EUR