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Gesamt porfolio

Created byuser-pqorkc
None Rebalancing
EUR
Low Risk
0.8yr backtest
Analyse this portfolio
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Performance Summary

Total Return+5.76%
Annualized Return+6.85%
Volatility+4.74%
Sharpe Ratio1.02
Max Drawdown+3.35%

Holdings

Asset Allocation

Asset Class

Bonds 39.1%Equity 35.0%Money Market 25.8%Real Estate 0.1%
Holdings Details
A diversified European portfolio blending equity, corporate, and money market funds with global ETF exposure for balanced growth.
AssetTypeAllocationTER
LU0262776809
UniOpti4 • LU0262776809
FUND
22.1%1.45%
XEON.XETRA
Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497
ETF
21.6%0.1%
DE0005326565
Bbbank Dynamik Union • DE0005326565
FUND
21.6%1.45%
DE0008491051
UNIGLOBAL ANTEILSSCH.KL. • DE0008491051
FUND
11.1%1.45%
DE0008474230
DWS EURO FLEXIZINS • DE0008474230
FUND
6.1%0.5%
LU0046307343
UniEuroKapital • LU0046307343
FUND
5.5%1.45%
LU0168092178
UniEuroKapital Corporates A • LU0168092178
FUND
4.9%0.75%
DE0009750133
UNIONGELDMARKTFONDS • DE0009750133
FUND
4.1%0.2%
DE0008477076
UNIFAVORIT: AKTIEN • DE0008477076
FUND
1.3%1.45%
VWCE.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80
ETF
0.3%0.19%
LXS.XETRA
LANXESS Aktiengesellschaft • DE0005470405
STOCK
0.2%0%
GERD.XETRA
L&G Gerd Kommer Multifactor Equity UCITS ETF USD Accumulating • IE0001UQQ933
ETF
0.2%0.45%
SPYI.XETRA
SPDR MSCI All Country World Investable Market UCITS ETF (Acc) • IE00B3YLTY66
ETF
0.2%0.17%
ERNX.XETRA
iShares EUR Ultrashort Bond UCITS ETF EUR (Acc) • IE000RHYOR04
ETF
0.1%0.09%
AT0000A347S9
Fixed Income One R • AT0000A347S9
FUND
0.1%0.45%
VCAA.XETRA
Vanguard EUR Cash UCITS ETF (Acc) • IE000SOORXS0
ETF
0.1%0.07%
VGWL.XETRA
Vanguard FTSE All-World UCITS ETF (USD) Distributing • IE00B3RBWM25
ETF
0.1%0.19%
EFRN.XETRA
iShares EUR Floating Rate Bond Advanced UCITS ETF EUR (Dist) • IE00BF5GB717
ETF
0.1%0.1%
IE1A.XETRA
iShares EUR Corporate Bond 1-5yr UCITS ETF EUR (Acc) • IE000F6G1DE0
ETF
0.1%0.2%
IS3M.XETRA
iShares EUR Ultrashort Bond UCITS ETF EUR (Dist) • IE00BCRY6557
ETF
0.1%0.09%
DE0009805507
Uniimmo: Deutschland • DE0009805507
FUND
0.1%0.89%
Total100.0%0.99%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €10,576.16
Histogram of Monthly Returns
The portfolio had a positive return during 9 of the 11 months (82%)
Monthly Returns Heatmap
Best month: +3.6% • Worst month: -2.3% • Best year: 2026 (+5.5%) • Worst year: 2025 (+0.3%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.8%+0.5%-2.3%+3.6%+1.6%+1.1%-0.5%+0.2%+0.2%+0.4%--+5.5%
2025-----------+0.3%+0.3%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +3.35% • The longest drawdown period lasted for 2 months and was between August 2026 and October 2026. It reached a trough of -1.9%.

Dividend Income

Summary
This portfolio contains 11 distributing ETFs (55.0% of total allocation)

Total Dividends Received

€0.68

10 payments

Dividend Yield

0.01%

(annualized)

Avg Per Payment

€0.07

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€0.54
2025€0.15
Total€0.68

Detailed Metrics

Returns
Total Return
+5.76%
Annualized Return
+6.85%
Avg Monthly Return
+0.52%
Risk
Volatility (Annual)
+4.74%
Max Drawdown
+3.35%
Positive Months
82%
Average Drawdown
-0.8%
Risk-Adjusted
Sharpe Ratio
1.02
Risk-free rate: 2.0%
Sortino Ratio
1.09
Downside risk adjusted
Return/Volatility
1.45
Calmar Ratio
2.04
Return/Max Drawdown
Ulcer Index
0.94
Drawdown depth & duration
Martin Ratio
0.05
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€10,576.16
Backtest Period
2025-12-09 to 2026-10-14
0.8 years
Rebalancing
none
Base Currency
EUR