Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VWRA.LSE Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80 | ETF | 44.0% | 0.19% |
AGGU.LSE iShares Core Global Aggregate Bond UCITS ETF USD Hedged (Acc) • IE00BZ043R46 | ETF | 25.0% | 0.1% |
IGLN.LSE iShares Physical Gold ETC • IE00B4ND3602 | ETF | 20.0% | 0.12% |
IUIT.LSE iShares S&P 500 Information Technology Sector UCITS ETF USD (Acc) • IE00B3WJKG14 | ETF | 11.0% | 0.15% |
| Total | 100.0% | 0.15% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.1% | +3.0% | -5.3% | +5.3% | +4.8% | -1.2% | -1.9% | +4.9% | -1.5% | - | - | - | +10.0% |
| 2025 | +3.1% | -1.0% | -4.3% | -2.4% | +3.0% | -0.9% | +3.5% | +1.0% | +4.5% | +4.3% | +0.7% | +0.1% | +12.0% |
| 2024 | +2.7% | +1.9% | +3.9% | -0.3% | +0.8% | +4.5% | +0.3% | -0.3% | +2.0% | +2.1% | +4.6% | +0.7% | +25.2% |
| 2023 | +4.2% | +0.3% | +1.9% | -0.7% | +3.5% | +0.9% | +1.7% | -0.2% | -1.5% | -0.6% | +3.9% | +2.6% | +17.1% |
| 2022 | -2.7% | -0.2% | +3.0% | -0.6% | -3.6% | -2.9% | +6.5% | -1.1% | -3.8% | +0.9% | -0.8% | -3.3% | -8.6% |
| 2021 | +0.2% | -0.2% | +4.1% | +0.7% | +0.6% | +2.9% | +1.5% | +1.9% | -1.1% | +3.1% | +1.6% | +2.3% | +19.0% |
| 2020 | +3.1% | -4.6% | -4.9% | +6.6% | +1.5% | +1.5% | -0.3% | +4.5% | -1.9% | -1.5% | +1.6% | +3.1% | +8.2% |
| 2019 | - | - | - | - | - | - | +0.5% | +0.3% | +1.5% | -0.2% | +2.6% | +0.8% | +5.7% |
current optimized 2 returned +12.02% a year over the 7 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.