A balanced 60/40 strategy combining US equity growth through the Vanguard S&P 500 UCITS ETF with stability from EUR-hedged global government bonds, designed for European passive investors seeking steady long-term returns with moderate risk.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SXR8.XETRA iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087 | ETF | 60.0% | 0.07% |
DBZB.XETRA Xtrackers II Global Government Bond UCITS ETF 1C EUR Hedged • LU0378818131 | ETF | 40.0% | 0.25% |
| Total | 100.0% | 0.14% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.3% | +0.4% | -3.2% | +5.5% | +4.1% | +0.7% | -1.4% | +1.4% | -0.2% | - | - | - | +7.0% |
| 2025 | +2.5% | -1.8% | -5.7% | -2.6% | +3.4% | +1.1% | +3.3% | -0.5% | +1.9% | +3.1% | -0.3% | -0.5% | +3.5% |
| 2024 | +2.2% | +2.3% | +2.5% | -2.1% | +0.8% | +4.7% | +0.4% | -0.2% | +1.4% | +1.1% | +5.8% | -1.0% | +19.2% |
| 2023 | +3.2% | -0.2% | +1.1% | +0.2% | +2.1% | +2.4% | +1.2% | +0.1% | -2.1% | -2.2% | +4.7% | +3.6% | +14.8% |
| 2022 | -4.2% | -1.6% | +2.6% | -3.0% | -2.8% | -4.2% | +7.6% | -2.1% | -4.7% | +2.7% | -0.7% | -4.7% | -14.6% |
| 2021 | +0.3% | +1.1% | +4.3% | +1.6% | -0.7% | +3.8% | +2.0% | +2.3% | -1.8% | +3.8% | +2.0% | +2.5% | +23.3% |
| 2020 | +1.4% | -4.9% | -5.4% | +6.4% | +1.0% | +0.7% | +0.6% | +3.4% | -0.8% | -1.5% | +4.6% | +0.7% | +5.7% |
| 2019 | +4.9% | +2.5% | +2.4% | +2.3% | -2.7% | +2.9% | +3.5% | -0.0% | +1.5% | -0.6% | +3.1% | +0.8% | +22.5% |
| 2018 | +0.4% | -0.7% | -2.4% | +1.8% | +3.1% | +0.6% | +1.4% | +2.5% | +0.2% | -2.8% | +0.7% | -5.4% | -0.8% |
| 2017 | -1.4% | +4.1% | -0.4% | -0.5% | -1.0% | -0.6% | -0.7% | -0.1% | +1.3% | +2.4% | +0.4% | +0.8% | +4.0% |
| 2016 | -3.2% | +1.6% | +0.6% | -0.7% | +3.2% | +1.0% | +2.2% | -0.2% | -0.4% | -0.1% | +3.9% | +1.7% | +9.8% |
| 2015 | +3.3% | +3.3% | +2.1% | -2.2% | +1.4% | -2.6% | +2.5% | -4.9% | -1.4% | +6.4% | +2.6% | -2.4% | +7.9% |
| 2014 | -0.1% | +1.6% | +0.3% | +0.2% | +3.0% | +1.2% | +1.1% | +3.6% | +2.0% | +1.7% | +2.8% | +2.2% | +21.2% |
| 2013 | +1.8% | +3.6% | +3.5% | -0.2% | +2.9% | -2.1% | +2.0% | -2.1% | +0.7% | +3.1% | +1.8% | +0.2% | +16.1% |
| 2012 | +1.7% | +1.6% | +2.0% | -0.0% | +0.8% | +0.8% | +3.6% | -0.1% | +0.0% | -1.8% | +0.5% | -1.0% | +8.2% |
| 2011 | -0.8% | +1.6% | -1.6% | -0.6% | +1.3% | -1.4% | +0.1% | -2.7% | +1.4% | +3.0% | +1.0% | +4.2% | +5.4% |
| 2010 | - | - | - | - | +0.2% | -1.5% | +2.2% | -1.5% | +5.5% | -0.9% | -12.7% | +2.3% | -7.2% |
60/40 Portfolio returned +8.47% a year over the 16 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.