Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
IUSQ.XETRA iShares MSCI ACWI UCITS ETF USD (Acc) • IE00B6R52259 | ETF | 50.0% | 0.2% |
DBZB.XETRA Xtrackers II Global Government Bond UCITS ETF 1C EUR Hedged • LU0378818131 | ETF | 20.0% | 0.25% |
4GLD.XETRA Xetra-Gold • DE000A0S9GB0 | ETF | 10.0% | 0% |
ERNX.XETRA iShares EUR Ultrashort Bond UCITS ETF EUR (Acc) • IE000RHYOR04 | ETF | 10.0% | 0.09% |
SXRS.XETRA iShares Diversified Commodity Swap UCITS ETF • IE00BDFL4P12 | ETF | 10.0% | 0.19% |
| Total | 100.0% | 0.18% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.6% | +1.8% | -2.5% | +4.1% | +2.7% | -0.9% | -0.3% | +2.6% | +0.6% | - | - | - | +11.0% |
| 2025 | +3.5% | -0.7% | -3.2% | -2.4% | +2.5% | +0.2% | +2.7% | +0.1% | +3.1% | +3.4% | +0.6% | +0.6% | +10.4% |
| 2024 | +1.7% | +1.6% | +3.2% | -0.3% | +0.6% | +2.9% | +0.2% | -0.0% | +1.9% | +1.0% | +4.0% | -0.6% | +17.1% |
| 2023 | +3.1% | -0.9% | +0.9% | -0.3% | +1.2% | +1.4% | +1.9% | -0.4% | -1.2% | -1.2% | +2.9% | +2.4% | +10.2% |
| 2022 | - | - | - | +0.0% | -2.2% | -4.2% | +5.6% | -1.5% | -4.2% | +1.2% | +1.1% | -3.7% | -8.0% |
All Weather returned +8.99% 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.