Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
LYQ6.XETRA Amundi Euro Government Bond 10-15Y UCITS ETF Acc • LU1650489385 | ETF | 25.0% | 0.15% |
PJEU.XETRA Invesco Euro Cash 3 Months UCITS ETF Acc • IE00B3BPCH51 | ETF | 25.0% | 0.09% |
PHAU.AS WisdomTree Physical Gold EUR • JE00B1VS3770 | ETF | 25.0% | 0.39% |
XSX6.XETRA Xtrackers STOXX Europe 600 UCITS ETF 1C • LU0328475792 | ETF | 17.5% | 0.2% |
XXSC.XETRA Xtrackers MSCI Europe Small Cap UCITS ETF 1C • LU0322253906 | ETF | 7.5% | 0.3% |
| Total | 100.0% | 0.21% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +4.6% | +2.9% | -5.6% | +1.2% | +1.1% | -2.1% | -0.3% | +2.1% | +0.1% | - | - | - | +3.8% |
| 2025 | +3.5% | +1.3% | -0.2% | +1.0% | +1.3% | -1.1% | +1.0% | +0.5% | +3.5% | +2.6% | +1.6% | +0.9% | +17.0% |
| 2024 | +0.3% | +0.1% | +3.7% | +0.6% | +1.0% | -0.0% | +2.1% | +0.7% | +1.6% | +0.8% | +1.0% | -0.9% | +11.4% |
| 2023 | +3.6% | -1.0% | +2.0% | +0.2% | +0.2% | -0.7% | +1.0% | -0.5% | -2.1% | +0.9% | +2.8% | +2.6% | +9.3% |
| 2022 | -1.7% | -0.2% | +0.4% | -0.6% | -2.4% | -2.6% | +3.1% | -3.3% | -3.0% | +0.6% | +3.1% | -2.0% | -8.5% |
| 2021 | -0.7% | -1.6% | +2.2% | +0.5% | +2.1% | -0.7% | +2.0% | +0.5% | -1.7% | +1.2% | +0.2% | +1.7% | +5.8% |
| 2020 | +1.8% | -1.6% | -4.3% | +3.3% | +0.9% | +1.4% | +1.8% | +0.1% | -0.3% | -0.8% | +0.8% | +2.0% | +4.9% |
| 2019 | +3.0% | +0.9% | +1.2% | +0.8% | -0.6% | +3.4% | +1.5% | +2.6% | -0.1% | +0.3% | -0.0% | +1.1% | +15.2% |
| 2018 | +0.1% | -0.8% | +0.1% | +1.2% | +0.2% | -0.9% | -0.0% | -1.0% | -0.3% | -0.6% | -0.1% | -0.2% | -2.5% |
| 2017 | -0.3% | +2.6% | +0.2% | +0.8% | -0.2% | -1.7% | -0.2% | +0.8% | +0.4% | +0.8% | -0.7% | +0.3% | +2.9% |
| 2016 | +0.1% | +2.6% | -0.6% | +0.9% | +0.2% | +1.5% | +1.8% | -0.7% | +0.3% | -1.6% | -1.6% | +1.3% | +4.2% |
| 2015 | +6.5% | +1.1% | +1.3% | -1.6% | +0.7% | -2.9% | +0.5% | -2.1% | -0.8% | +3.4% | +0.3% | -2.3% | +3.9% |
| 2014 | +2.0% | +2.8% | -0.5% | +0.6% | +0.5% | +1.6% | -0.1% | +1.8% | -0.5% | -1.0% | +2.0% | +1.2% | +10.7% |
| 2013 | +0.1% | +0.1% | +1.3% | -0.9% | -0.7% | -4.8% | +2.8% | +1.3% | +0.0% | +1.6% | -0.6% | -0.9% | -0.7% |
| 2012 | +4.4% | +1.2% | -0.6% | -0.4% | -0.9% | +0.6% | +2.8% | +1.0% | +2.0% | -0.3% | +0.9% | -0.4% | +10.7% |
| 2011 | -1.8% | +1.7% | -1.1% | +1.6% | +0.9% | -1.8% | +1.5% | +1.4% | -2.7% | +1.5% | -0.1% | -0.5% | +0.3% |
| 2010 | +0.3% | +1.6% | +2.4% | +1.3% | +2.6% | -0.0% | -1.7% | +2.7% | -0.1% | +0.9% | +1.4% | +1.4% | +13.4% |
| 2009 | - | - | - | - | +0.9% | -0.7% | +2.3% | +2.6% | +1.9% | -0.4% | +3.2% | +0.8% | +11.0% |
CARTERA PERMANENTE BONOS 15-30Y returned +6.31% a year over the 17 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.