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University 27K

Created byuser-08i4nz
Annual Rebalancing
EUR
Low Risk
Multi-currency
4.3yr backtest
Analyse this portfolio
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Performance Summary

Total Return+85.51%
Annualized Return+15.47%
Volatility+8.66%
Sharpe Ratio1.56
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.
AssetTypeAllocationTER
SWDA.LSE
iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983
ETF
33.0%0.2%
CSBGE3.SW
iShares Euro Government Bond 1-3yr UCITS ETF (Acc) • IE00B3VTMJ91
ETF
18.0%0.15%
XEON.XETRA
Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497
ETF
18.0%0.1%
IHYG.LSE
iShares EUR High Yield Corporate Bond UCITS ETF EUR (Dist) • IE00B66F4759
ETF
10.8%0.5%
EIMI.LSE
iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66
ETF
8.2%0.18%
NVDA.US
NVIDIA Corporation • US67066G1040
STOCK
5.6%0%
SGLD.AS
Invesco Physical Gold ETC • IE00B579F325
ETC
3.6%0.12%
JEDI.XETRA
VanEck Space Innovators UCITS ETF • IE000YU9K6K2
ETF
2.8%0.55%
Total100.0%0.20%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €18,551.19
Histogram of Monthly Returns
The portfolio had a positive return during 36 of the 53 months (68%)
Monthly Returns Heatmap
Best month: +5.8% • Worst month: -4.2% • Best year: 2024 (+26.0%) • Worst year: 2022 (-0.5%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.0%+0.8%-3.3%+5.4%+4.4%-0.9%-1.9%+2.5%+0.7%-0.4%--+9.4%
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%.
When could this portfolio get you to financial independence?

University 27K returned +15.47% a year over the 4 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Dividend Income

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

Total Dividends Received

€353.73

26 payments

Dividend Yield

0.59%

(annualized)

Avg Per Payment

€13.61

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€94.22
2025€92.56
2024€81.68
2023€62.69
2022€22.58
Total€353.73

Detailed Metrics

Returns
Total Return
+85.51%
Annualized Return
+15.47%
Avg Monthly Return
+1.20%
Risk
Volatility (Annual)
+8.66%
Max Drawdown
+11.15%
Positive Months
68%
Average Drawdown
-2.2%
Risk-Adjusted
Sharpe Ratio
1.56
Risk-free rate: 2.0%
Sortino Ratio
1.52
Downside risk adjusted
Return/Volatility
1.79
Calmar Ratio
1.39
Return/Max Drawdown
Ulcer Index
2.80
Drawdown depth & duration
Martin Ratio
0.05
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€18,551.19
Backtest Period
2022-06-29 to 2026-10-15
4.3 years
Rebalancing
annual
Base Currency
EUR