Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
PJEU.XETRA Invesco Euro Cash 3 Months UCITS ETF Acc • IE00B3BPCH51 | ETF | 25.0% | 0.09% |
8PSG.F Invesco Physical Gold ETC • IE00B579F325 | ETF | 25.0% | 0.12% |
SXRQ.XETRA iShares Euro Government Bond 7-10yr UCITS ETF (Acc) • IE00B3VTN290 | ETF | 12.5% | 0.15% |
LYP6.XETRA Amundi Core Stoxx Europe 600 UCITS ETF Acc • LU0908500753 | ETF | 12.5% | 0.07% |
7USH.XETRA Amundi US Treasury Bond 7-10Y UCITS ETF EUR Hedged Acc • LU1407888137 | ETF | 12.5% | 0.06% |
SXR4.XETRA iShares MSCI USA UCITS ETF (Acc) • IE00B52SFT06 | ETF | 12.5% | 0.03% |
| Total | 100.0% | 0.09% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.9% | +3.1% | -4.8% | +1.9% | +0.8% | -1.7% | -0.8% | +2.6% | +0.3% | - | - | - | +4.0% |
| 2025 | +3.6% | +0.4% | -0.1% | +0.1% | +1.0% | -0.7% | +1.6% | +0.7% | +4.0% | +2.6% | +1.3% | +1.1% | +16.6% |
| 2024 | +1.0% | +0.4% | +3.5% | +0.7% | +0.6% | +1.3% | +1.5% | +0.9% | +1.6% | +1.4% | +1.3% | -0.5% | +14.5% |
| 2023 | - | - | - | -0.2% | +0.8% | -0.6% | +0.7% | -0.2% | -1.6% | +0.8% | +2.5% | +1.7% | +4.1% |
CARTERA PERMANENTE EU-USA Sin Small Caps returned +11.38% a year over the 3 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.