HomePortfoliosUnion Depot

Union Depot

Created byuser-pqorkc
Optimize
None Rebalancing
EUR
Low Risk
19.5yr backtest

Performance Summary

Total Return+128.42%
Annualized Return+4.32%
Volatility+8.81%
Sharpe Ratio0.26
Max Drawdown+28.10%

Holdings

Asset Allocation

Asset Class

Equity 49.5%Bonds 43.6%Money Market 6.8%Real Estate 0.1%
Holdings Details
A diversified Union Depot portfolio blending global equities, European corporates, and money market funds for balanced growth.
AssetTypeAllocationTER
LU0262776809
UniOpti4 • LU0262776809
FUND
31.2%1.45%
DE0005326565
Bbbank Dynamik Union • DE0005326565
FUND
30.5%1.45%
DE0008491051
UNIGLOBAL ANTEILSSCH.KL. • DE0008491051
FUND
16.2%1.45%
LU0168092178
UniEuroKapital Corporates A • LU0168092178
FUND
6.9%0.75%
DE0009750133
UNIONGELDMARKTFONDS • DE0009750133
FUND
6.8%0.2%
LU0046307343
UniEuroKapital • LU0046307343
FUND
5.5%1.45%
DE0008477076
UNIFAVORIT: AKTIEN • DE0008477076
FUND
2.8%1.45%
DE0009805507
Uniimmo: Deutschland • DE0009805507
FUND
0.1%0.89%
Total100.0%1.32%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €22,841.86
Histogram of Monthly Returns
The portfolio had a positive return during 146 of the 235 months (62%)
Monthly Returns Heatmap
Best month: +7.4% • Worst month: -7.4% • Best year: 2021 (+21.7%) • Worst year: 2008 (-21.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+1.4%+0.8%-4.9%----------2.7%
2025+2.6%-1.4%-6.8%-2.1%+4.5%+1.7%+3.1%-0.8%+2.1%+3.2%-1.8%+0.6%+4.3%
2024+3.2%+4.6%+2.7%-2.2%+2.4%+3.1%-1.1%+0.0%+0.2%-0.1%+3.4%-0.2%+17.0%
2023+4.0%+0.3%+1.1%+0.1%+2.5%+2.2%+1.6%-0.1%-2.0%-1.5%+4.2%+2.7%+15.7%
2022-4.8%-2.9%+2.5%-4.0%-1.0%-6.1%+7.4%-2.6%-4.9%+3.8%+2.3%-5.3%-15.5%
2021+0.2%+1.6%+4.3%+1.3%+0.0%+3.8%+1.1%+2.8%-2.5%+4.2%+0.9%+2.3%+21.7%
2020+0.5%-5.0%-7.4%+6.9%+2.4%+1.8%+0.8%+3.5%-1.2%-1.8%+5.5%+1.4%+6.8%
2019+4.8%+2.3%+2.0%+2.6%-4.0%+2.6%+1.7%-0.3%+1.3%+0.4%+2.3%+1.2%+17.8%
2018+1.2%-1.3%-2.3%+1.7%+3.0%-0.8%+1.5%+0.7%-0.3%-3.8%-0.4%-5.7%-6.6%
2017-0.3%+2.9%+0.3%+0.1%-0.7%-0.8%-0.3%-0.6%+1.9%+1.9%-1.0%+0.3%+3.8%
2016-3.9%-0.3%+1.3%+0.5%+1.7%-1.2%+2.4%+0.2%-0.8%+0.2%+1.6%+2.1%+3.7%
2015+2.9%+4.0%+2.0%-1.4%+1.3%-2.7%+1.5%-4.5%-2.2%+5.2%+1.6%-2.7%+4.5%
2014-0.8%+1.7%+0.3%-0.0%+1.6%+0.7%+0.3%+1.9%+0.6%+0.3%+1.3%+0.7%+8.6%
2013+1.6%+1.3%+1.9%+0.9%+1.1%-2.3%+1.0%-0.9%+1.2%+2.0%+0.4%+0.3%+8.9%
2012+2.9%+1.8%+0.4%-0.5%-1.1%+0.6%+2.6%+0.2%+0.2%-0.5%-0.1%-0.3%+6.3%
2011-1.3%+1.2%-1.4%-0.0%+0.6%-1.3%-0.2%-3.9%-1.7%+3.0%-1.0%+1.8%-4.3%
2010-0.4%+0.9%+3.0%+0.4%-0.8%-0.8%+0.5%-0.1%+1.0%+1.1%+1.1%+2.3%+8.6%
2009+0.4%-3.0%+0.7%+4.3%+1.3%+0.2%+3.3%+1.2%+1.5%-0.7%+0.3%+3.1%+13.1%
2008-4.6%-0.5%-2.4%+3.1%+0.7%-3.9%-1.1%+0.6%-4.5%-4.8%-3.0%-3.3%-21.4%
2007+1.2%-0.9%+1.0%+1.7%+1.3%-0.2%-1.1%-0.8%+1.2%+1.5%-3.3%-0.1%+1.5%
2006--------+0.8%+1.6%-0.3%+1.6%+3.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +28.10% • The longest drawdown period lasted for 5 years and 9 months and was between July 2007 and April 2013. It reached a trough of -28.1%.

Dividend Income

Summary
This portfolio contains 7 distributing ETFs (68.8% of total allocation)

Total Dividends Received

€146.01

13 payments

Dividend Yield

0.05%

(annualized)

Avg Per Payment

€11.23

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
2019€16.85
2018€40.53
2017€14.04
2016€11.38
2015€12.22
2014€4.36
2013€7.83
2012€6.94
2011€4.33
2009€5.19
2008€10.34
2007€12.01
Total€146.01

Detailed Metrics

Returns
Total Return
+128.42%
Annualized Return
+4.32%
Avg Monthly Return
+0.38%
Risk
Volatility (Annual)
+8.81%
Max Drawdown
+28.10%
Positive Months
62%
Average Drawdown
-6.4%
Risk-Adjusted
Sharpe Ratio
0.26
Risk-free rate: 2.0%
Sortino Ratio
0.24
Downside risk adjusted
Return/Volatility
0.49
Calmar Ratio
0.15
Return/Max Drawdown
Ulcer Index
8.35
Drawdown depth & duration
Martin Ratio
0.00
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€22,841.86
Backtest Period
2006-09-15 to 2026-03-31
19.5 years
Rebalancing
none
Base Currency
EUR