Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
IUSQ.XETRA iShares MSCI ACWI UCITS ETF USD (Acc) • IE00B6R52259 | ETF | 40.0% | 0.2% |
IS0F.MU iShares USD Treasury Bond 1-3yr UCITS ETF (Acc) • IE00BYXPSP02 | ETF | 40.0% | 0.07% |
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602 | ETF | 10.0% | 0.12% |
IS3Q.XETRA iShares Edge MSCI World Quality Factor UCITS ETF (Acc) • IE00BP3QZ601 | ETF | 10.0% | 0.25% |
| Total | 100.0% | 0.14% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.2% | +2.3% | -2.7% | +3.0% | +3.0% | +0.8% | -1.2% | +1.9% | +0.2% | - | - | - | +8.6% |
| 2025 | +3.3% | -0.3% | -5.0% | -2.8% | +1.9% | -0.9% | +3.6% | -0.1% | +2.8% | +3.3% | +0.4% | +0.1% | +6.1% |
| 2024 | +2.4% | +1.9% | +2.8% | +1.0% | -0.6% | +3.6% | -0.1% | -0.2% | +1.5% | +2.1% | +4.7% | -0.6% | +20.0% |
| 2023 | +2.5% | +0.7% | -0.1% | -0.6% | +2.7% | +0.6% | +1.4% | +0.3% | -0.2% | -0.6% | +1.7% | +2.1% | +10.9% |
| 2022 | -3.3% | -0.6% | +2.0% | +1.5% | -2.9% | -1.4% | +5.0% | -0.3% | -0.6% | -0.7% | -1.1% | -3.7% | -6.2% |
| 2021 | - | - | - | - | - | - | -0.2% | +1.8% | +0.9% | +0.6% | +2.0% | +2.7% | +8.1% |
conservative v2 returned +8.96% a year over the 5 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.