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UDE 2025 AV

Portefeuille Université de l'épargne 2025 - Avec une poche monétaire EUR à la place du JPY - avec des supports de l'Assurance Vie Linxea Suravenir 2 - Re-balancement Trimestriel

Optimize
Quarterly Rebalancing
EUR
Low Risk
3.5yr backtest

Performance Summary

Total Return+66.16%
Annualized Return+15.55%
Volatility+9.07%
Sharpe Ratio1.49
Max Drawdown+8.45%

Holdings

Asset Allocation

Asset Class

Equity 50.0%Bonds 25.0%Precious Metals 25.0%
Holdings Details
Diversified 2025 portfolio for EUR investors. Quarterly rebalanced ETF strategy within the Linxea Suravenir 2 life insurance wrapper for growth.
AssetTypeAllocationTER
WELN.XETRA
Amundi S&P Global Energy Carbon Reduced UCITS ETF DR EUR (A)IE000J0LN0R5
ETF
25.0%0.18%
AMEM.F
Amundi MSCI Emerging Markets Swap UCITS ETF EUR AccLU1681045370
ETF
25.0%0.2%
FR0050000746
Schelcher Short Term ESG ZFR0050000746
FUND
25.0%0.2%
XAD1.XETRA
Xtrackers Physical Gold EUR Hedged ETCDE000A1EK0G3
ETF
25.0%0.59%
Total100.0%0.29%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €16,615.87
Histogram of Monthly Returns
The portfolio had a positive return during 32 of the 43 months (74%)
Monthly Returns Heatmap
Best month: +7.8% • Worst month: -2.9% • Best year: 2025 (+19.5%) • Worst year: 2022 (+4.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+7.8%+5.3%-1.5%+0.8%--------+12.8%
2025+3.8%+0.2%+2.0%-2.9%+1.0%+1.1%+2.3%+1.1%+4.2%+2.6%+1.2%+1.6%+19.5%
2024-0.4%+0.7%+4.8%+1.6%-0.1%+1.6%+1.4%-0.2%+2.0%+1.5%+1.6%-2.0%+12.8%
2023+3.5%-2.5%+0.7%+0.1%-1.9%+1.1%+3.2%-1.0%+0.1%-0.4%+0.9%+1.0%+4.9%
2022---------+0.9%+4.8%-1.7%+4.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +8.45% • The longest drawdown period lasted for 7 months and was between January 2023 and September 2023. It reached a trough of -5.3%.

Detailed Metrics

Returns
Total Return
+66.16%
Annualized Return
+15.55%
Avg Monthly Return
+1.21%
Risk
Volatility (Annual)
+9.07%
Max Drawdown
+8.45%
Positive Months
74%
Average Drawdown
-1.6%
Risk-Adjusted
Sharpe Ratio
1.49
Risk-free rate: 2.0%
Sortino Ratio
1.42
Downside risk adjusted
Return/Volatility
1.71
Calmar Ratio
1.84
Return/Max Drawdown
Ulcer Index
1.89
Drawdown depth & duration
Martin Ratio
0.07
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
16,615.87
Backtest Period
2022-10-11 to 2026-04-16
3.5 years
Rebalancing
quarterly
Base Currency
EUR