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UdemyPortfolio

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Annual Rebalancing
EUR
Moderate Risk
5.3yr backtest

Performance Summary

Total Return+110.42%
Annualized Return+14.99%
Volatility+14.59%
Sharpe Ratio0.89
Max Drawdown+24.14%

Holdings

Asset Allocation

Asset Class

Equity 45.0%Bonds 40.0%Precious Metals 15.0%
Holdings Details
A diversified ETF portfolio blending semiconductors, German bonds, Euro bonds, and gold for growth and stability across key asset classes.
AssetTypeAllocationTER
VVSM.XETRA
VanEck Semiconductor UCITS ETFIE00BMC38736
ETF
45.0%0.35%
IS0L.XETRA
iShares Germany Government Bond UCITS ETF (Dist)IE00B5V94313
ETF
25.0%0.2%
EIBX.XETRA
Invesco Euro Government Bond 7-10 Year UCITS ETF DistIE00BGJWWW40
ETF
15.0%0.1%
SGLD.AS
Invesco Physical Gold ETCIE00B579F325
ETC
15.0%0.12%
Total100.0%0.24%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €21,042.13
Histogram of Monthly Returns
The portfolio had a positive return during 41 of the 65 months (63%)
Monthly Returns Heatmap
Best month: +10.6% • Worst month: -6.6% • Best year: 2023 (+33.4%) • Worst year: 2022 (-22.1%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+9.4%+0.9%-5.9%+2.7%--------+6.6%
2025+2.6%-3.1%-5.4%-0.8%+5.0%+4.1%+2.9%-0.6%+7.2%+8.5%-0.9%+1.3%+21.8%
2024+2.3%+8.0%+4.4%-1.5%+2.4%+6.1%-3.3%-1.5%+1.7%+0.1%+2.2%+0.8%+23.4%
2023+7.3%+0.8%+4.7%-4.0%+10.6%+1.2%+1.6%-0.9%-2.9%-2.4%+7.5%+7.0%+33.4%
2022-6.1%-0.7%-0.2%-5.5%-0.5%-6.6%+8.1%-5.3%-5.7%+0.1%+4.4%-5.5%-22.1%
2021+3.0%+0.3%+2.4%-0.6%+0.9%+3.5%+1.3%+2.0%-1.9%+2.5%+8.1%+1.4%+25.0%
2020-----------+1.1%+1.1%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +24.14% • The longest drawdown period lasted for 2 years and was between December 2021 and December 2023. It reached a trough of -24.1%.

Dividend Income

Summary
This portfolio contains 2 distributing ETFs (40.0% of total allocation)

Total Dividends Received

350.31

19 payments

Dividend Yield

0.49%

(annualized)

Avg Per Payment

18.44

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
202622.34
2025158.47
2024123.89
202343.74
20221.86
Total350.31

Detailed Metrics

Returns
Total Return
+110.42%
Annualized Return
+14.99%
Avg Monthly Return
+1.24%
Risk
Volatility (Annual)
+14.59%
Max Drawdown
+24.14%
Positive Months
63%
Average Drawdown
-6.8%
Risk-Adjusted
Sharpe Ratio
0.89
Risk-free rate: 2.0%
Sortino Ratio
0.89
Downside risk adjusted
Return/Volatility
1.03
Calmar Ratio
0.62
Return/Max Drawdown
Ulcer Index
8.71
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
21,042.13
Backtest Period
2020-12-03 to 2026-04-02
5.3 years
Rebalancing
annual
Base Currency
EUR