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University 27K

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Annual Rebalancing

EUR

Low Risk

Multi-currency

3.9yr backtest

Performance Summary

Total Return+83.38%

Annualized Return+16.85%

Volatility+8.75%

Sharpe Ratio1.70

Max Drawdown+11.15%

Holdings

Asset Allocation

Asset Class

Equity 49.6%Bonds 28.8%Money Market 18.0%Precious Metals 3.6%

Holdings Details

Diversified ETF portfolio blending global stocks, bonds, money markets, and gold for balanced growth across developed and emerging markets.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
SWDA.LSE iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983	IE00B4L5Y983	Acc	ETF	33.0%	0.2%
CSBGE3.SW iShares Euro Government Bond 1-3yr UCITS ETF (Acc) • IE00B3VTMJ91	IE00B3VTMJ91	Acc	ETF	18.0%	0.15%
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497	LU0290358497	Acc	ETF	18.0%	0.1%
IHYG.LSE iShares EUR High Yield Corporate Bond UCITS ETF EUR (Dist) • IE00B66F4759	IE00B66F4759	Dist	ETF	10.8%	0.5%
EIMI.LSE iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66	IE00BKM4GZ66	Acc	ETF	8.2%	0.18%
NVDA.US NVIDIA Corporation • US67066G1040	US67066G1040	-	STOCK	5.6%	0%
SGLD.AS Invesco Physical Gold ETC • IE00B579F325	IE00B579F325	Acc	ETC	3.6%	0.12%
JEDI.XETRA VanEck Space Innovators UCITS ETF • IE000YU9K6K2	IE000YU9K6K2	Acc	ETF	2.8%	0.55%
Total		Total			100.0%	0.20%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €18,337.76

Histogram of Monthly Returns

The portfolio had a positive return during 34 of the 48 months (71%)

Monthly Returns Heatmap

Best month: +5.8% • Worst month: -4.2% • Best year: 2024 (+26.0%) • Worst year: 2022 (-0.5%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.0%	+0.8%	-3.3%	+5.4%	+3.1%	-	-	-	-	-	-	-	+8.1%
2025	+1.7%	-0.6%	-3.8%	-1.6%	+3.7%	+1.7%	+3.1%	+0.2%	+2.4%	+3.4%	-1.3%	+1.2%	+10.3%
2024	+2.1%	+4.3%	+3.2%	-0.8%	+3.1%	+3.8%	+0.0%	+0.0%	+1.4%	+2.0%	+4.4%	-0.1%	+26.0%
2023	+4.5%	+1.1%	+1.8%	-0.3%	+5.0%	+2.8%	+2.7%	+0.6%	-2.2%	-2.3%	+4.3%	+2.9%	+22.7%
2022	-	-	-	-	-	-0.7%	+5.8%	-2.0%	-4.2%	+2.1%	+2.1%	-3.3%	-0.5%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +11.15% • The longest drawdown period lasted for 8 months and was between August 2022 and May 2023. It reached a trough of -9.0%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (10.8% of total allocation)

Total Dividends Received

€305.48

24 payments

Dividend Yield

0.58%

(annualized)

Avg Per Payment

€12.73

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

Year	Dividends	Yield	Payments
2026	€45.97	0.26%	2
2025	€92.56	0.58%	6
2024	€81.68	0.59%	6
2023	€62.69	0.56%	6
2022	€22.58	0.22%	4
Total	€305.48	0.58%	24

Detailed Metrics

Returns

Total Return

+83.38%

Annualized Return

+16.85%

Avg Monthly Return

+1.30%

Risk

Volatility (Annual)

+8.75%

Max Drawdown

+11.15%

Positive Months

71%

Average Drawdown

-2.2%

Risk-Adjusted

Sharpe Ratio

1.70

Risk-free rate: 2.0%

Sortino Ratio

1.66

Downside risk adjusted

Return/Volatility

1.93

Calmar Ratio

1.51

Return/Max Drawdown

Ulcer Index

2.89

Drawdown depth & duration

Martin Ratio

0.05

Return/Ulcer Index

Backtest Configuration

Initial Investment

€10,000

Final Value

€18,337.76

Backtest Period

2022-06-29 to 2026-05-21
3.9 years

Rebalancing

annual

Base Currency

EUR