A portfolio for all economic cycles. For increased resilence World Small Cap should be replaced with World Small Cap Value, and Commodities with Managed Futures.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
IWDA.LSE iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983 | ETF | 15.0% | 0.2% |
4GLD.XETRA Xetra-Gold • DE000A0S9GB0 | ETF | 15.0% | 0% |
EXXY.XETRA iShares Diversified Commodity Swap UCITS ETF (DE) • DE000A0H0728 | ETF | 15.0% | 0.46% |
IS3S.XETRA iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59 | ETF | 10.0% | 0.25% |
SXRJ.XETRA iShares MSCI EMU Small Cap UCITS ETF (Acc) • IE00B3VWMM18 | ETF | 10.0% | 0.58% |
HLTW.PA Amundi MSCI World Health Care UCITS ETF EUR Acc • LU0533033238 | ETF | 10.0% | 0.3% |
XDWS.XETRA Xtrackers MSCI World Consumer Staples UCITS ETF 1C • IE00BM67HN09 | ETF | 10.0% | 0.25% |
XDWU.XETRA Xtrackers MSCI World Utilities UCITS ETF 1C • IE00BM67HQ30 | ETF | 5.0% | 0.25% |
XDW0.XETRA Xtrackers MSCI World Energy UCITS ETF 1C 1C • IE00BM67HM91 | ETF | 5.0% | 0.25% |
IS3N.XETRA iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66 | ETF | 5.0% | 0.18% |
| Total | 100.0% | 0.27% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +5.1% | +4.4% | -2.3% | +3.4% | +2.3% | -1.5% | +1.0% | +3.4% | +0.6% | - | - | - | +17.5% |
| 2025 | +4.9% | +0.8% | -1.8% | -3.7% | +2.1% | -1.0% | +2.5% | +0.8% | +3.1% | +3.9% | +2.7% | +0.7% | +15.5% |
| 2024 | +1.8% | +1.0% | +4.7% | +0.7% | +0.8% | +1.0% | +0.8% | +0.0% | +1.5% | +0.7% | +3.4% | -1.5% | +15.8% |
| 2023 | +2.4% | -0.6% | +0.0% | +0.1% | -0.6% | +1.2% | +2.7% | -0.5% | -0.8% | -1.5% | +1.8% | +1.9% | +6.0% |
| 2022 | +0.1% | +1.3% | +5.1% | +2.7% | -1.2% | -5.8% | +5.6% | -0.9% | -4.7% | +3.0% | +1.4% | -3.6% | +2.2% |
| 2021 | +1.8% | +1.8% | +5.0% | +1.4% | +1.9% | +1.9% | +1.5% | +1.6% | +0.3% | +3.2% | -1.3% | +4.3% | +25.8% |
| 2020 | -0.7% | -6.6% | -9.3% | +6.6% | +1.3% | +0.9% | +0.4% | +2.6% | -1.2% | -1.8% | +5.3% | +2.0% | -1.6% |
| 2019 | +6.2% | +2.3% | +1.9% | +1.2% | -3.3% | +3.5% | +2.4% | +0.1% | +2.0% | +0.0% | +2.1% | +2.1% | +22.3% |
| 2018 | +0.1% | -1.9% | -1.9% | +3.6% | +2.4% | -1.0% | +1.0% | -0.2% | +0.8% | -2.5% | +0.5% | -5.5% | -4.8% |
| 2017 | -0.5% | +4.5% | -0.1% | -0.6% | -1.2% | -1.8% | -0.8% | +0.0% | +1.8% | +2.3% | -0.8% | +1.1% | +3.8% |
| 2016 | - | - | -1.6% | +2.1% | +2.4% | +1.6% | +1.6% | -1.0% | +0.7% | -0.0% | +1.7% | +2.7% | +10.5% |
Dream Team returned +10.41% a year over the 10 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.