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UDE 2026

Portefeuille Université de l'épargne 2026 - Re-balancement trimestriel - Supports disponibles sur XTB

Created byuser-j9gpra
Optimize
None Rebalancing
EUR
Moderate Risk
11.5yr backtest

Performance Summary

Total Return+150.80%
Annualized Return+8.35%
Volatility+11.15%
Sharpe Ratio0.57
Max Drawdown+20.92%

Holdings

Asset Allocation

Asset Class

Equity 50.0%Precious Metals 25.0%Bonds 25.0%
Holdings Details
A diversified ETF portfolio blending global stocks, European small-cap, bonds, and gold for stable growth across market cycles.
AssetTypeAllocationTER
SPYN.XETRA
SPDR® MSCI Europe Energy UCITS ETF • IE00BKWQ0F09
ETF
25.0%0.18%
4GLD.XETRA
Xetra-Gold • DE000A0S9GB0
ETF
25.0%0%
CEBL.XETRA
iShares MSCI EM Asia UCITS ETF (Acc) • IE00B5L8K969
ETF
25.0%0.2%
XJSE.XETRA
Xtrackers II Japan Government Bond UCITS ETF 1C • LU0952581584
ETF
25.0%0.15%
Total100.0%0.13%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €25,079.87
Histogram of Monthly Returns
The portfolio had a positive return during 87 of the 139 months (63%)
Monthly Returns Heatmap
Best month: +9.7% • Worst month: -5.9% • Best year: 2025 (+25.1%) • Worst year: 2018 (-1.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+8.4%+6.4%-1.7%+1.0%--------+14.6%
2025+5.3%+1.3%+1.7%-4.7%+1.5%-0.1%+3.4%+1.5%+5.5%+5.2%+1.4%+1.0%+25.1%
2024-1.1%+0.6%+5.8%+2.8%-0.5%+1.6%+1.0%-0.4%+1.5%+1.5%+0.4%-1.1%+12.5%
2023+3.3%-0.9%+0.2%-0.8%-1.3%-0.8%+2.6%-0.8%+1.3%+0.4%+0.7%+0.4%+4.4%
2022+2.8%+0.3%+0.8%+1.4%+0.3%-3.9%+2.2%+0.3%-4.6%-0.3%+6.0%-2.5%+2.3%
2021+2.4%-0.4%+0.9%-1.0%+1.9%+0.9%-2.2%+1.0%+1.8%+1.0%-0.6%+1.1%+7.1%
2020-1.4%-3.1%-5.9%+4.3%-1.8%+2.4%+0.7%+0.3%-1.3%+0.3%+2.9%+2.0%-0.9%
2019+5.5%+0.8%+2.3%+0.1%-2.3%+3.2%+1.0%+0.9%+0.9%-0.5%+0.0%+2.2%+14.9%
2018+1.0%-1.2%-0.4%+3.5%+2.9%-2.4%-0.4%-1.0%+0.4%-2.2%-0.2%-1.3%-1.5%
2017+0.4%+3.2%+0.7%-1.0%-0.7%-2.9%+0.3%+0.6%+1.2%+3.2%-1.1%+1.1%+5.0%
2016-0.5%+5.7%-0.7%+3.4%-1.1%+7.6%+0.3%-0.5%+1.2%-0.2%-1.8%+1.1%+15.2%
2015+9.7%+1.8%+1.7%+0.1%-0.9%-3.7%-3.1%-4.8%-1.3%+6.2%+1.1%-4.5%+1.2%
2014---------+0.9%-2.4%+0.7%-0.9%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +20.92% • The longest drawdown period lasted for 1 year and 10 months and was between April 2015 and February 2017. It reached a trough of -20.6%.

Detailed Metrics

Returns
Total Return
+150.80%
Annualized Return
+8.35%
Avg Monthly Return
+0.70%
Risk
Volatility (Annual)
+11.15%
Max Drawdown
+20.92%
Positive Months
63%
Average Drawdown
-4.1%
Risk-Adjusted
Sharpe Ratio
0.57
Risk-free rate: 2.0%
Sortino Ratio
0.55
Downside risk adjusted
Return/Volatility
0.75
Calmar Ratio
0.40
Return/Max Drawdown
Ulcer Index
5.39
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€25,079.87
Backtest Period
2014-10-27 to 2026-04-17
11.5 years
Rebalancing
none
Base Currency
EUR