A straightforward growth portfolio with global diversification and a tech tilt. Rebalanced annually to maintain target weights.
The Strategy:
Who it's for: Long-term investors who want simple, broad market exposure with some growth punch from tech and emerging markets. The annual rebalancing keeps the portfolio on track.
Risk level: Medium. Half the portfolio is in stable global stocks, but the emerging markets and tech portions add volatility. Gold helps cushion market drops.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
IUSQ.XETRA iShares MSCI ACWI UCITS ETF USD (Acc) • IE00B6R52259 | ETF | 50.0% | 0.2% |
CEBL.XETRA iShares MSCI EM Asia UCITS ETF (Acc) • IE00B5L8K969 | ETF | 25.0% | 0.2% |
XDWT.XETRA Xtrackers MSCI World Information Technology UCITS ETF 1C • IE00BM67HT60 | ETF | 15.0% | 0.25% |
EGLN.LSE iShares Physical Gold ETC • IE00B4ND3602 | ETF | 10.0% | 0.12% |
| Total | 100.0% | 0.20% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.3% | +2.6% | -7.0% | +10.5% | +8.3% | +0.3% | -3.8% | +4.1% | +0.3% | - | - | - | +18.8% |
| 2025 | +3.4% | -1.6% | -5.7% | -3.6% | +5.9% | +1.8% | +5.0% | -0.4% | +5.4% | +5.7% | -1.3% | +0.5% | +15.3% |
| 2024 | +1.8% | +3.9% | +3.9% | -0.6% | +1.5% | +6.2% | -0.7% | -0.4% | +3.2% | +1.1% | +4.2% | -0.0% | +26.4% |
| 2023 | +6.1% | -1.1% | +2.0% | -1.4% | +3.7% | +2.3% | +3.0% | -1.7% | -1.8% | -2.4% | +5.6% | +3.1% | +18.3% |
| 2022 | -4.0% | -1.7% | +2.2% | -1.6% | -3.5% | -4.4% | +6.9% | -1.1% | -6.6% | +0.4% | +3.7% | -4.9% | -14.4% |
| 2021 | +2.3% | +1.3% | +3.5% | +1.0% | -0.1% | +4.3% | -0.6% | +2.8% | -2.0% | +3.9% | +1.0% | +2.8% | +21.9% |
| 2020 | -0.5% | -5.9% | -8.5% | +9.1% | +1.0% | +4.4% | +1.5% | +4.7% | -0.7% | -1.2% | +6.2% | +2.9% | +12.3% |
| 2019 | +7.6% | +3.2% | +2.8% | +3.0% | -5.4% | +4.4% | +3.3% | -1.3% | +2.4% | +0.7% | +3.6% | +3.1% | +30.4% |
| 2018 | +2.1% | -1.8% | -2.9% | +2.7% | +3.7% | -1.7% | +1.4% | +1.5% | -0.1% | -5.3% | +1.1% | -6.0% | -5.7% |
| 2017 | +1.0% | +5.3% | +1.2% | -0.4% | -0.2% | -1.2% | +0.2% | +0.6% | +1.4% | +4.6% | -0.6% | +1.3% | +13.8% |
| 2016 | - | - | - | - | - | - | - | - | - | - | +0.1% | +1.1% | +1.3% |
Balanced Global Growth (Trade Republic) returned +13.34% a year over the 10 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.