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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

Created byuser-j9gpra
Quarterly Rebalancing
EUR
Moderate Risk
1.1yr backtest

Performance Summary

Total Return+40.36%
Annualized Return+34.58%
Volatility+10.88%
Sharpe Ratio2.99
Max Drawdown+9.93%

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.
AssetTypeAllocationTER
LYOR.XETRA
Amundi Smart Overnight Return UCITS ETF Acc • LU1190417599
ETF
26.0%0.1%
ESIE.XETRA
iShares MSCI Europe Energy Sector UCITS ETF EUR (Acc) • IE00BMW42637
ETF
25.0%0.18%
4GLD.XETRA
Xetra-Gold • DE000A0S9GB0
ETF
25.0%0%
FVSJ.XETRA
Franklin FTSE Asia ex China ex Japan UCITS ETF • IE00BFWXDV39
ETF
8.0%0.14%
FLXC.XETRA
Franklin FTSE China UCITS ETF • IE00BHZRR147
ETF
8.0%0.19%
FLXK.XETRA
Franklin FTSE Korea UCITS ETF • IE00BHZRR030
ETF
8.0%0.09%
Total100.0%0.10%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €14,036.31
Histogram of Monthly Returns
The portfolio had a positive return during 14 of the 15 months (93%)
Monthly Returns Heatmap
Best month: +7.8% • Worst month: -4.4% • Best year: 2026 (+19.5%) • Worst year: 2025 (+17.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+7.8%+6.7%+0.1%+2.3%+1.6%-------+19.5%
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
+40.36%
Annualized Return
+34.58%
Avg Monthly Return
+2.33%
Risk
Volatility (Annual)
+10.88%
Max Drawdown
+9.93%
Positive Months
93%
Average Drawdown
-1.7%
Risk-Adjusted
Sharpe Ratio
2.99
Risk-free rate: 2.0%
Sortino Ratio
2.60
Downside risk adjusted
Return/Volatility
3.18
Calmar Ratio
3.48
Return/Max Drawdown
Ulcer Index
2.14
Drawdown depth & duration
Martin Ratio
0.15
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€14,036.31
Backtest Period
2025-03-17 to 2026-05-08
1.1 years
Rebalancing
quarterly
Base Currency
EUR