Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
LYQ6.XETRA Amundi Euro Government Bond 10-15Y UCITS ETF Acc • LU1650489385 | ETF | 26.0% | 0.15% |
IUSQ.XETRA iShares MSCI ACWI UCITS ETF USD (Acc) • IE00B6R52259 | ETF | 21.0% | 0.2% |
ZPRX.XETRA SPDR MSCI Europe Small Cap Value Weighted UCITS ETF • IE00BSPLC298 | ETF | 21.0% | 0.3% |
PHAU.AS WisdomTree Physical Gold EUR • JE00B1VS3770 | ETF | 16.0% | 0.39% |
EXXY.XETRA iShares Diversified Commodity Swap UCITS ETF (DE) • DE000A0H0728 | ETF | 10.0% | 0.46% |
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497 | ETF | 6.0% | 0.1% |
| Total | 100.0% | 0.26% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +4.5% | +2.4% | -4.3% | +3.3% | +2.2% | -2.5% | +0.9% | +2.8% | +0.2% | - | - | - | +9.6% |
| 2025 | +3.6% | +0.8% | -1.7% | -0.6% | +2.6% | -0.3% | +1.9% | +0.1% | +3.1% | +3.0% | +1.2% | +0.9% | +15.4% |
| 2024 | +0.5% | +0.1% | +3.8% | +0.4% | +1.3% | +0.3% | +1.6% | -0.1% | +2.1% | +0.2% | +2.7% | -0.7% | +13.0% |
| 2023 | +4.2% | -0.8% | +0.4% | +0.0% | +0.1% | +0.5% | +2.0% | -0.5% | -2.0% | -0.7% | +3.4% | +3.4% | +10.3% |
| 2022 | -0.9% | -0.1% | +1.9% | -0.1% | -2.1% | -5.4% | +5.4% | -3.1% | -5.0% | +1.6% | +2.7% | -3.7% | -9.1% |
| 2021 | +0.5% | +1.3% | +3.2% | +1.3% | +1.8% | +0.2% | +2.1% | +1.3% | -0.9% | +1.9% | -0.7% | +2.3% | +15.3% |
| 2020 | +0.2% | -3.7% | -9.0% | +4.5% | +1.2% | +1.8% | +1.3% | +1.9% | -0.6% | -0.6% | +4.1% | +2.4% | +2.7% |
| 2019 | +4.9% | +1.6% | +1.5% | +1.6% | -2.4% | +3.2% | +1.8% | +1.4% | +1.1% | +0.4% | +0.9% | +2.0% | +19.3% |
| 2018 | +0.2% | -1.0% | -0.8% | +2.2% | +0.7% | -0.9% | +0.1% | -0.7% | +0.0% | -2.1% | -0.3% | -2.8% | -5.3% |
| 2017 | -0.9% | +2.9% | +0.1% | +0.4% | -0.8% | -2.0% | +0.1% | +0.4% | +1.2% | +1.7% | -0.8% | +1.1% | +3.2% |
| 2016 | -1.8% | +2.0% | +0.5% | +1.3% | +1.5% | +0.5% | +1.8% | -0.4% | +0.5% | -0.8% | +0.3% | +2.2% | +7.7% |
| 2015 | - | +1.9% | +1.7% | -1.3% | +0.5% | -3.3% | +0.2% | -3.8% | -1.3% | +4.4% | +0.9% | -3.2% | -3.4% |
EU Golden Ratio returned +6.46% a year over the 12 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.