Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SWDA.LSE iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983 | ETF | 55.0% | 0.2% |
EGOV.LSE UBS J.P. Morgan Global Gov ESG Liquid Bond UCITS ETF USD acc • LU1974693662 | ETF | 20.0% | 0.15% |
EIMI.LSE iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66 | ETF | 15.0% | 0.18% |
WGLD.XETRA WisdomTree Core Physical Gold • DE000A3GNQ18 | ETF | 10.0% | 0.12% |
| Total | 100.0% | 0.18% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.2% | +2.8% | -5.7% | +6.3% | +4.3% | +0.2% | -1.9% | +3.3% | -1.4% | - | - | - | +10.0% |
| 2025 | +2.9% | -0.9% | -5.0% | -2.6% | +3.7% | +0.2% | +3.6% | +0.1% | +3.5% | +4.1% | -0.0% | +0.6% | +10.2% |
| 2024 | +1.8% | +2.2% | +3.5% | -0.9% | +0.7% | +3.8% | +0.8% | -0.2% | +2.0% | +0.9% | +4.9% | -0.4% | +20.7% |
| 2023 | +4.1% | -1.1% | +1.2% | -0.4% | +1.9% | +1.6% | +2.2% | -1.0% | -1.4% | -2.0% | +4.3% | +3.4% | +13.3% |
| 2022 | -2.9% | -1.0% | +2.5% | -1.4% | -3.3% | -4.1% | +6.6% | -1.5% | -4.7% | +1.0% | +1.9% | -4.1% | -10.9% |
| 2021 | - | - | +1.3% | +0.9% | +0.6% | +2.9% | +0.7% | +1.8% | -1.6% | +3.4% | +0.7% | +2.4% | +13.9% |
Div 1 returned +9.93% 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.