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University 35K

The aim of this portofolio is the to pay university fees. It's divided in three different time orizons: shor term (1-3y); mid term (5-7y) and long term (>10y)

Created byuser-08i4nz
Optimize
Annual Rebalancing
EUR
Moderate Risk
Multi-currency
4.3yr backtest

Performance Summary

Total Return+96.71%
Annualized Return+17.03%
Volatility+10.54%
Sharpe Ratio1.43
Max Drawdown+12.78%

Holdings

Asset Allocation

Asset Class

Equity 63.3%Money Market 17.1%Bonds 16.6%Cryptocurrencies 3.0%
Holdings Details
Diversified ETF portfolio for university savings, blending global stocks, bonds, money markets, and Bitcoin across three strategic time horizons.
AssetTypeAllocationTER
SWDA.LSE
iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983
ETF
37.3%0.2%
XEON.XETRA
Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497
ETF
17.1%0.1%
EIMI.LSE
iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66
ETF
12.0%0.18%
CSBGE3.SW
iShares Euro Government Bond 1-3yr UCITS ETF (Acc) • IE00B3VTMJ91
ETF
11.4%0.15%
IHYG.LSE
iShares EUR High Yield Corporate Bond UCITS ETF EUR (Dist) • IE00B66F4759
ETF
5.2%0.5%
HNSC.LSE
HSBC Nasdaq Global Semiconductor UCITS ETF • IE000YDZG487
ETF
5.0%0.35%
BITC.XETRA
CoinShares Physical Bitcoin • GB00BLD4ZL17
ETF
3.0%0.25%
CRIN.XETRA
UniCredit SpA • IT0005239360
STOCK
3.0%0%
NVDA.US
NVIDIA Corporation • US67066G1040
STOCK
3.0%0%
0ONG.LSE
Leonardo SpA • IT0003856405
STOCK
3.0%0%
Total100.0%0.18%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €19,671.07
Histogram of Monthly Returns
The portfolio had a positive return during 33 of the 52 months (63%)
Monthly Returns Heatmap
Best month: +7.7% • Worst month: -5.4% • Best year: 2023 (+29.3%) • Worst year: 2022 (-7.4%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.3%+0.8%-4.3%+7.7%+5.5%-------+12.1%
2025+3.1%-0.3%-3.7%-1.5%+5.7%+0.9%+3.6%-0.0%+3.0%+3.1%-1.6%+1.2%+13.9%
2024+3.0%+5.7%+4.4%-1.4%+2.9%+3.1%+0.0%-0.8%+1.2%+1.8%+5.5%+0.2%+28.7%
2023+6.4%+1.3%+1.9%-0.1%+3.8%+3.6%+3.1%-0.2%-1.5%-0.5%+4.7%+3.6%+29.3%
2022--0.2%+2.7%-3.0%-1.7%-5.4%+5.8%-2.4%-4.3%+2.5%+1.7%-2.7%-7.4%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +12.78% • The longest drawdown period lasted for 1 year and 1 month and was between April 2022 and May 2023. It reached a trough of -12.6%.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (5.2% of total allocation)

Total Dividends Received

€318.48

37 payments

Dividend Yield

0.56%

(annualized)

Avg Per Payment

€8.61

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
2026€36.13
2025€92.79
2024€92.18
2023€58.08
2022€39.29
Total€318.48

Detailed Metrics

Returns
Total Return
+96.71%
Annualized Return
+17.03%
Avg Monthly Return
+1.35%
Risk
Volatility (Annual)
+10.54%
Max Drawdown
+12.78%
Positive Months
63%
Average Drawdown
-3.2%
Risk-Adjusted
Sharpe Ratio
1.43
Risk-free rate: 2.0%
Sortino Ratio
1.34
Downside risk adjusted
Return/Volatility
1.62
Calmar Ratio
1.33
Return/Max Drawdown
Ulcer Index
4.14
Drawdown depth & duration
Martin Ratio
0.04
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€19,671.07
Backtest Period
2022-02-07 to 2026-05-28
4.3 years
Rebalancing
annual
Base Currency
EUR