UDE 2025

Portefeuille Université de l'épargne 2025 - avec la poche JPY remplacé par Monétaire EUR - Re-balancement trimestriel - Avec des ETFs disponibles sur XTB

Holdings

Asset Allocation

Asset Class

Equity 49.0%Money Market 26.0%Precious Metals 25.0%

Holdings Details

A diversified ETF portfolio for long-term growth, focused on global equity markets and designed for the European investor in EUR.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
LYOR.XETRA Amundi Smart Overnight Return UCITS ETF Acc • LU1190417599	LU1190417599	Acc	ETF	26.0%	0.1%
ESIE.XETRA iShares MSCI Europe Energy Sector UCITS ETF EUR (Acc) • IE00BMW42637	IE00BMW42637	Acc	ETF	25.0%	0.18%
4GLD.XETRA Xetra-Gold • DE000A0S9GB0	DE000A0S9GB0	Acc	ETF	25.0%	0%
FVSJ.XETRA Franklin FTSE Asia ex China ex Japan UCITS ETF • IE00BFWXDV39	IE00BFWXDV39	Acc	ETF	8.0%	0.14%
FLXC.XETRA Franklin FTSE China UCITS ETF • IE00BHZRR147	IE00BHZRR147	Acc	ETF	8.0%	0.19%
FLXK.XETRA Franklin FTSE Korea UCITS ETF • IE00BHZRR030	IE00BHZRR030	Acc	ETF	8.0%	0.09%
Total		Total			100.0%	0.10%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €13,776.4

Histogram of Monthly Returns

The portfolio had a positive return during 13 of the 14 months (93%)

Monthly Returns Heatmap

Best month: +7.8% • Worst month: -4.4% • Best year: 2025 (+17.5%) • Worst year: 2026 (+17.3%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+7.8%	+6.7%	+0.1%	+2.0%	-	-	-	-	-	-	-	-	+17.3%
2025	-	-	+1.4%	-4.4%	+2.1%	+1.5%	+3.4%	+1.3%	+4.2%	+5.4%	+0.6%	+1.3%	+17.5%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +9.93% • The longest drawdown period lasted for 2 months and was between March 2025 and June 2025. It reached a trough of -9.9%.

Detailed Metrics

Returns

Total Return

+37.76%

Annualized Return

+33.69%

Avg Monthly Return

+2.36%

Risk

Volatility (Annual)

+10.95%

Max Drawdown

+9.93%

Positive Months

93%

Average Drawdown

-1.7%

Risk-Adjusted

Sharpe Ratio

2.89

Risk-free rate: 2.0%

Sortino Ratio

2.51

Downside risk adjusted

Return/Volatility

3.08

Calmar Ratio

3.39

Return/Max Drawdown

Ulcer Index

2.17

Drawdown depth & duration

Martin Ratio

0.15

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€13,776.4

Backtest Period

2025-03-17 to 2026-04-24
1.1 years

Rebalancing

quarterly

Base Currency

EUR

Performance Summary

Holdings

Performance

Detailed Metrics