Trend-Following Backtester · Guide · backtest 한국어

equity · US

UNIVERSAL INSURANCE HOLDINGS INC backtest

10 trend-following strategies were compared on the full daily history of UNIVERSAL INSURANCE HOLDINGS INC. 0 beat buy-and-hold CAGR; SMA 크로스오버 ranks first by Sharpe, matching the main backtester.

Data 2003-06-06 ~ 2026-07-31daily bars 5,825 (23.2 years)Costs 0.5%Venue XNYSMonthly snapshot 2026-07-31

Results by strategy

0 of 10 beat buy and hold (CAGR 35.3%, drawdown -82.7%).

Sharpe leader (same as main): SMA 크로스오버 — CAGR 24.8%, MDD -56.1%, Sharpe 0.67, 58% exposure.

CAGR reference leader: ROC 모멘텀 — CAGR 26.0%, MDD -80.1%, exposure 61%.

No strategy retained at least 75% of buy-and-hold CAGR while reducing drawdown by both 20% relatively and 5 percentage points absolutely.

The alternative must retain 75% of buy-and-hold CAGR, improve drawdown by at least 20% and 5 percentage points, and stay below 95% exposure; the ranking weights return retention 60% and drawdown improvement 40%.

Strategy · parametersCAGRMDDSharpeCalmarTotalTradesExposure
SMA 크로스오버
fast=52, slow=195
24.8%-56.1%0.670.44169.3x2958%
ROC 모멘텀
n=140, threshold=-0.01
26.0%-80.1%0.560.33212.7x18361%
EMA 크로스오버
fast=35, slow=210
23.4%-82.7%0.550.28130.5x2958%
Donchian 채널 돌파
entryN=107, exitN=69
18.0%-80.0%0.490.2346.3x3553%
볼린저 밴드 돌파
n=53, k=2.4
12.8%-74.7%0.390.1716.1x7131%
ADX / DI 방향성
period=10, threshold=14
4.7%-97.5%0.350.052.9x54548%
Supertrend
period=10, mult=3.4
2.6%-99.2%0.340.031.8x14350%
MACD
fast=8, slow=16, signal=11
3.7%-97.0%0.330.042.3x55952%
Parabolic SAR
step=0.025, maxStep=0.24
-1.8%-95.6%0.26-0.020.7x49549%
Keltner 채널 돌파
emaPeriod=12, atrPeriod=17, mult=4
-1.5%-96.0%0.16-0.020.7x404%
Buy and hold35.3%-82.7%0.680.431087.3x1100%
1x 10x 100x 1,000x 2004 2007 2010 2013 2016 2019 2022 2025 ROC 모멘텀SMA 크로스오버Buy and hold
SMA 크로스오버 (Sharpe leader), ROC 모멘텀 (CAGR reference), Buy and hold.
0% -21% -41% -62% -83% 2004 2007 2010 2013 2016 2019 2022 2025 Buy and holdROC 모멘텀SMA 크로스오버
SMA 크로스오버 maximum drawdown -56.1% (2005-04-07 → 2005-11-17), recovered after 274 days.

Rules of the top strategy

When the short average rises above the long average, it reads that as an uptrend starting.

Method and caveats

Past performance does not guarantee future returns. Parameters were carried forward from the latest full optimization and replayed on this monthly dataset. 0.5% trading costs are included; taxes, slippage and rejected orders are not.
Re-optimize the same period and setupAll asset reports

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