Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SXRQ.XETRA iShares Euro Government Bond 7-10yr UCITS ETF (Acc) • IE00B3VTN290 | 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% |
ZPRE.XETRA State Street SPDR MSCI EMU UCITS ETF EUR • IE00B910VR50 | ETF | 17.5% | 0.08% |
SXRJ.XETRA iShares MSCI EMU Small Cap UCITS ETF (Acc) • IE00B3VWMM18 | ETF | 7.5% | 0.58% |
| Total | 100.0% | 0.21% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +4.6% | +2.8% | -5.6% | +1.5% | +1.4% | -2.0% | -0.6% | +2.3% | +0.1% | - | - | - | +4.2% |
| 2025 | +3.7% | +1.4% | +0.4% | +1.1% | +1.5% | -0.9% | +1.0% | +0.6% | +3.6% | +2.5% | +1.6% | +0.8% | +18.5% |
| 2024 | +0.4% | +0.3% | +3.7% | +0.5% | +0.9% | -0.5% | +1.7% | +0.7% | +1.8% | +0.8% | +0.6% | -0.3% | +11.2% |
| 2023 | +4.0% | -0.8% | +2.0% | +0.1% | +0.2% | -0.4% | +1.0% | -0.6% | -2.1% | +1.1% | +2.7% | +2.1% | +9.5% |
| 2022 | -1.3% | -0.2% | +0.1% | -0.4% | -1.8% | -2.6% | +2.5% | -2.9% | -2.7% | +0.9% | +2.9% | -1.6% | -6.9% |
| 2021 | -0.5% | -1.3% | +2.2% | +0.6% | +2.2% | -0.8% | +1.6% | +0.5% | -1.5% | +1.0% | -0.0% | +1.5% | +5.6% |
| 2020 | +1.5% | -1.6% | -4.4% | +3.2% | +1.1% | +1.6% | +1.5% | +0.2% | -0.5% | -1.1% | +1.3% | +1.8% | +4.5% |
| 2019 | +2.9% | +0.9% | +0.9% | +1.1% | -0.9% | +3.3% | +1.4% | +2.3% | -0.1% | +0.3% | -0.0% | +0.9% | +13.6% |
| 2018 | +0.4% | -0.9% | -0.1% | +1.3% | -0.0% | -1.0% | +0.0% | -1.0% | -0.5% | -0.7% | +0.0% | -0.4% | -2.8% |
| 2017 | -0.0% | +2.3% | +0.8% | +0.9% | -0.1% | -1.6% | -0.1% | +0.9% | +0.6% | +0.9% | -0.7% | +0.0% | +3.8% |
| 2016 | +0.1% | +2.4% | -0.5% | +1.1% | -0.1% | +1.3% | +1.9% | -0.6% | +0.3% | -0.8% | -1.9% | +1.7% | +4.7% |
| 2015 | +6.0% | +1.0% | +1.5% | -1.8% | +0.6% | -2.3% | +0.4% | -2.0% | -1.1% | +3.6% | +0.3% | -2.2% | +3.8% |
| 2014 | +1.7% | +2.6% | -0.3% | +0.3% | +0.4% | +1.4% | -0.7% | +1.4% | -0.4% | -1.3% | +2.1% | +0.8% | +8.2% |
| 2013 | -0.5% | -0.2% | +0.9% | -1.2% | -0.4% | -4.8% | +3.1% | +1.2% | +0.2% | +1.9% | -0.6% | -1.1% | -1.7% |
CARTERA PERMANENTE EMU returned +5.41% a year over the 14 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.