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Altersvorsorge

Created byuser-pqorkc
None Rebalancing
EUR
Low Risk
1.3yr backtest
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Performance Summary

Total Return+2.08%
Annualized Return+1.57%
Volatility+0.56%
Sharpe Ratio-0.77
Max Drawdown+0.49%

Holdings

Asset Allocation

Asset Class

Bonds 54.0%Money Market 46.0%
Holdings Details
Euro-focused portfolio with 54% bonds and 46% money market ETFs for diversified, stable income and capital preservation.
AssetTypeAllocationTER
BCFQ.XETRA
UBS EUR Overnight Rate SF UCITS ETF EUR acc • IE0006BDZN36
ETF
40.0%0.05%
DE0008474230
DWS EURO FLEXIZINS • DE0008474230
FUND
18.0%0.5%
LU0168092178
UniEuroKapital Corporates A • LU0168092178
FUND
15.0%0.75%
EFRN.XETRA
iShares EUR Floating Rate Bond Advanced UCITS ETF EUR (Dist) • IE00BF5GB717
ETF
12.0%0.1%
LU0046307343
UniEuroKapital • LU0046307343
FUND
9.0%1.45%
DE0009750133
UNIONGELDMARKTFONDS • DE0009750133
FUND
6.0%0.2%
Total100.0%0.38%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €10,208.09
Histogram of Monthly Returns
The portfolio had a positive return during 15 of the 17 months (88%)
Monthly Returns Heatmap
Best month: +0.3% • Worst month: -0.4% • Best year: 2026 (+1.3%) • Worst year: 2025 (+0.7%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.2%+0.2%-0.2%+0.3%+0.2%+0.2%+0.1%+0.2%+0.0%+0.1%--+1.3%
2025-----+0.1%+0.2%+0.2%+0.2%+0.2%-0.4%+0.2%+0.7%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +0.49% • The longest drawdown period lasted for 2 months and was between November 2025 and January 2026. It reached a trough of -0.5%.

Dividend Income

Summary
This portfolio contains 5 distributing ETFs (60.0% of total allocation)

Total Dividends Received

€30.14

2 payments

Dividend Yield

0.23%

(annualized)

Avg Per Payment

€15.07

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€14.77
2025€15.37
Total€30.14

Detailed Metrics

Returns
Total Return
+2.08%
Annualized Return
+1.57%
Avg Monthly Return
+0.12%
Risk
Volatility (Annual)
+0.56%
Max Drawdown
+0.49%
Positive Months
88%
Average Drawdown
-0.1%
Risk-Adjusted
Sharpe Ratio
-0.77
Risk-free rate: 2.0%
Sortino Ratio
-0.54
Downside risk adjusted
Return/Volatility
2.80
Calmar Ratio
3.20
Return/Max Drawdown
Ulcer Index
0.14
Drawdown depth & duration
Martin Ratio
-0.03
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€10,208.09
Backtest Period
2025-06-18 to 2026-10-15
1.3 years
Rebalancing
none
Base Currency
EUR