DB2026

2026 status

Optimize
None Rebalancing
EUR
Moderate Risk
5.3yr backtest

Performance Summary

Total Return+83.80%
Annualized Return+12.18%
Volatility+11.37%
Sharpe Ratio0.90
Max Drawdown+20.42%

Holdings

Asset Allocation

Asset Class

Equity 81.9%Bonds 18.1%
Holdings Details
Diversified 2026 portfolio blending global tech stocks, US ETFs, and multi-asset bonds for balanced growth across key markets and sectors.
AssetTypeAllocationTER
LU0099574567
Fidelity Global Technology A-EURLU0099574567
FUND
12.0%1.89%
LU0260870158
Franklin Technology Fund A (Acc) EURLU0260870158
FUND
11.2%1.82%
LU2258443139
DB ESG Balanced SAA (EUR) Plus LCLU2258443139
FUND
8.9%1.35%
LU0323578657
FvS SICAV Multiple OpportunitiesLU0323578657
FUND
8.6%1.63%
VUSA.XETRA
Vanguard S&P 500 UCITS ETF (USD) DistributingIE00B3XXRP09
ETF
6.3%0.07%
LU2145461757
RobecoSAM Smart Energy Equities D EURLU2145461757
FUND
4.6%1.62%
LU1279334210
Pictet - Robotics P EURLU1279334210
FUND
4.5%1.98%
FR0011253624
R-co Valor C EURFR0011253624
FUND
4.3%2.26%
LU0348926287
Nordea 1 - Global Climate and Environment Fund BP EURLU0348926287
FUND
4.1%1.83%
LU1093406186
Allianz Global Investors Fund - Allianz Dynamic Multi Asset Strategy SRI 50 AT EURLU1093406186
FUND
3.6%1.55%
LU0599946893
DWS CONCEPT KALDEMORGEN-LCLU0599946893
FUND
3.6%1.54%
LU1863263346
DWS Invest Artificial Intelligence LCLU1863263346
FUND
3.3%1.75%
LLY.XETRA
Eli Lilly and CompanyUS5324571083
STOCK
3.2%0%
EUNL.XETRA
iShares Core MSCI World UCITS ETF USD (Acc)IE00B4L5Y983
ETF
3.0%0.2%
IQQQ.XETRA
iShares Global Water UCITS ETFIE00B1TXK627
ETF
2.8%0.65%
LYPG.XETRA
Amundi MSCI World Information Technology UCITS ETF EUR AccLU0533033667
ETF
2.3%0.3%
SXRV.XETRA
iShares Nasdaq 100 UCITS ETF (Acc)IE00B53SZB19
ETF
2.1%0.3%
BE6227494943
DPAM B - Balanced Strategy BBE6227494943
FUND
2.0%1.35%
LU0628613803
BlackRock Global Funds - Continental European Flexible Fund A4 EURLU0628613803
FUND
1.9%1.82%
LU0171307068
BlackRock Global Funds - World Healthscience Fund A2LU0171307068
FUND
1.9%1.81%
LYPD.XETRA
Amundi MSCI World Financials UCITS ETF EUR AccLU0533032859
ETF
1.8%0.3%
IUSK.XETRA
iShares MSCI Europe SRI UCITS ETF (Acc)IE00B52VJ196
ETF
1.3%0.2%
NOV.XETRA
Novo Nordisk A/SDK0062498333
STOCK
1.0%-
540J.XETRA
Amundi MSCI Switzerland UCITS ETF EUR (C)LU1681044720
ETF
0.9%0.25%
CN1G.XETRA
Amundi MSCI Nordic UCITS ETF EUR (C)LU1681044647
ETF
0.8%0.25%
Total100.0%1.35%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €18,379.84
Histogram of Monthly Returns
The portfolio had a positive return during 42 of the 64 months (66%)
Monthly Returns Heatmap
Best month: +9.8% • Worst month: -9.1% • Best year: 2023 (+25.1%) • Worst year: 2022 (-16.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.4%+0.0%-5.5%+9.0%+4.7%-------+8.4%
2025+3.7%-1.1%-9.1%-2.3%+4.1%+1.8%+3.5%-1.0%+3.0%+5.9%+0.3%+0.1%+8.4%
2024+3.4%+5.3%+3.2%-1.8%+2.0%+5.5%-2.5%+1.6%-0.4%+0.4%+4.4%-0.8%+21.5%
2023+5.6%+0.3%+1.9%-0.7%+5.3%+2.8%+1.9%+0.8%-2.1%-3.0%+6.9%+3.5%+25.1%
2022-6.8%-2.5%+4.0%-3.3%-3.0%-5.4%+9.8%-2.5%-5.9%+3.3%+1.2%-5.1%-16.3%
2021-+0.6%+3.7%+1.6%+0.0%+5.3%+1.3%+3.1%-2.7%+4.9%+1.2%+2.1%+23.0%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +20.42% • The longest drawdown period lasted for 2 years and was between November 2021 and November 2023. It reached a trough of -19.5%.

Dividend Income

Summary
This portfolio contains 3 distributing ETFs (11.0% of total allocation)

Total Dividends Received

146.53

63 payments

Dividend Yield

0.21%

(annualized)

Avg Per Payment

2.33

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
20268.41
202534.30
202430.04
202326.90
202223.69
202123.20
Total146.53

Detailed Metrics

Returns
Total Return
+83.80%
Annualized Return
+12.18%
Avg Monthly Return
+1.03%
Risk
Volatility (Annual)
+11.37%
Max Drawdown
+20.42%
Positive Months
66%
Average Drawdown
-6.1%
Risk-Adjusted
Sharpe Ratio
0.90
Risk-free rate: 2.0%
Sortino Ratio
0.83
Downside risk adjusted
Return/Volatility
1.07
Calmar Ratio
0.60
Return/Max Drawdown
Ulcer Index
7.51
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
18,379.84
Backtest Period
2021-02-01 to 2026-05-20
5.3 years
Rebalancing
none
Base Currency
EUR