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)

Holdings

Asset Allocation

Asset Class

Equity 68.5%Money Market 17.1%Bonds 11.4%Cryptocurrencies 3.0%

Holdings Details

Diversified ETF portfolio for university fees, blending global stocks, bonds, money markets, and Bitcoin across three time horizons.

Asset	ISIN	Dist. Policy	Type	Allocation	TER
SWDA.LSE iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983	IE00B4L5Y983	Acc	ETF	36.8%	0.2%
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497	LU0290358497	Acc	ETF	17.1%	0.1%
EIMI.LSE iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66	IE00BKM4GZ66	Acc	ETF	12.0%	0.18%
IBGS.AS iShares Euro Government Bond 1-3yr UCITS ETF (Dist) • IE00B14X4Q57	IE00B14X4Q57	Dist	ETF	11.4%	0.15%
SXRY.XETRA iShares FTSE MIB UCITS ETF (Acc) • IE00B53L4X51	IE00B53L4X51	Acc	ETF	5.7%	0.33%
HNSC.LSE HSBC Nasdaq Global Semiconductor UCITS ETF • IE000YDZG487	IE000YDZG487	Acc	ETF	5.0%	0.35%
BITC.XETRA CoinShares Physical Bitcoin • GB00BLD4ZL17	GB00BLD4ZL17	Acc	ETF	3.0%	0.25%
CRIN.XETRA UniCredit SpA • IT0005239360	IT0005239360	-	STOCK	3.0%	0%
NVDA.US NVIDIA Corporation • US67066G1040	US67066G1040	-	STOCK	3.0%	0%
0ONG.LSE Leonardo SpA • IT0003856405	IT0003856405	-	STOCK	3.0%	0%
Total		Total			100.0%	0.17%

Performance

Portfolio Value Over Time

Starting with €10,000 investment → now worth €19,945.52

Histogram of Monthly Returns

The portfolio had a positive return during 35 of the 52 months (67%)

Monthly Returns Heatmap

Best month: +8.1% • Worst month: -5.8% • Best year: 2023 (+30.5%) • Worst year: 2022 (-7.4%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	+2.4%	+1.0%	-4.5%	+8.1%	+3.3%	-	-	-	-	-	-	-	+10.3%
2025	+3.4%	+0.1%	-3.7%	-1.5%	+6.1%	+0.8%	+3.8%	+0.1%	+3.0%	+3.2%	-1.5%	+1.4%	+15.8%
2024	+3.1%	+6.0%	+4.8%	-1.5%	+3.1%	+2.9%	+0.1%	-0.8%	+1.1%	+1.8%	+5.4%	+0.3%	+29.2%
2023	+6.9%	+1.5%	+1.8%	-0.0%	+3.6%	+4.0%	+3.4%	-0.4%	-1.6%	-0.6%	+5.0%	+3.6%	+30.5%
2022	-	-0.4%	+2.6%	-2.9%	-1.5%	-5.8%	+5.7%	-2.4%	-4.5%	+2.9%	+2.0%	-2.8%	-7.4%

> +2%

0% to +2%

-2% to 0%

< -2%

Drawdown Analysis

Maximum drawdown: +13.29% • The longest drawdown period lasted for 1 year and was between April 2022 and April 2023. It reached a trough of -12.8%.

Dividend Income

Summary

This portfolio contains 1 distributing ETF (11.4% of total allocation)

Total Dividends Received

€268.92

33 payments

Dividend Yield

0.47%

(annualized)

Avg Per Payment

€8.15

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	€35.02	0.19%	3
2025	€93.29	0.56%	9
2024	€88.66	0.63%	9
2023	€30.30	0.28%	6
2022	€21.65	0.23%	6
Total	€268.92	0.47%	33

Detailed Metrics

Returns

Total Return

+99.46%

Annualized Return

+17.57%

Avg Monthly Return

+1.38%

Risk

Volatility (Annual)

+11.04%

Max Drawdown

+13.29%

Positive Months

67%

Average Drawdown

-3.2%

Risk-Adjusted

Sharpe Ratio

1.41

Risk-free rate: 2.0%

Sortino Ratio

1.33

Downside risk adjusted

Return/Volatility

1.59

Calmar Ratio

1.32

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

€19,945.52

Backtest Period

2022-02-07 to 2026-05-15
4.3 years

Rebalancing

annual

Base Currency

EUR

Performance Summary

Holdings

Performance

Dividend Income

Detailed Metrics