Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
EUNL.XETRA iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983 | ETF | 60.0% | 0.2% |
EUNM.XETRA iShares MSCI EM UCITS ETF (Acc) • IE00B4L5YC18 | ETF | 25.0% | 0.18% |
ZPRS.XETRA State Street SPDR MSCI World Small Cap UCITS ETF USD Unhedged (Acc) • IE00BCBJG560 | ETF | 10.0% | 0.45% |
QDVE.XETRA iShares S&P 500 Information Technology Sector UCITS ETF USD (Acc) • IE00B3WJKG14 | ETF | 5.0% | 0.15% |
| Total | 100.0% | 0.22% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.4% | +1.6% | -5.7% | +10.3% | +7.6% | +1.1% | -2.5% | +2.8% | +0.4% | - | - | - | +17.3% |
| 2025 | +3.5% | -2.6% | -7.6% | -3.9% | +6.6% | +1.9% | +5.3% | -0.5% | +3.7% | +5.1% | -1.2% | +0.4% | +9.9% |
| 2024 | +2.4% | +3.9% | +3.5% | -1.7% | +1.5% | +5.7% | -0.1% | -0.8% | +2.1% | +0.8% | +6.4% | -0.7% | +25.1% |
| 2023 | +5.7% | -0.2% | +0.5% | -0.6% | +3.1% | +3.7% | +2.9% | -1.4% | -1.8% | -3.6% | +6.1% | +4.1% | +19.6% |
| 2022 | -4.7% | -2.1% | +3.3% | -2.4% | -3.3% | -5.9% | +9.1% | -1.4% | -6.6% | +3.0% | +1.6% | -5.7% | -15.0% |
| 2021 | +1.8% | +2.8% | +4.8% | +1.3% | -0.4% | +4.7% | -0.1% | +3.0% | -1.9% | +4.3% | +0.4% | +3.3% | +26.5% |
| 2020 | -1.0% | -7.9% | -11.8% | +9.7% | +1.9% | +3.2% | +0.3% | +5.4% | -0.7% | -1.5% | +9.0% | +2.9% | +7.6% |
| 2019 | +8.5% | +3.2% | +2.5% | +3.4% | -5.5% | +3.9% | +3.2% | -2.4% | +3.1% | +0.3% | +4.0% | +2.9% | +29.9% |
| 2018 | +1.8% | -1.9% | -3.1% | +2.9% | +3.2% | -1.0% | +2.1% | +1.1% | +0.3% | -5.7% | +1.2% | -7.5% | -6.9% |
| 2017 | +0.1% | +4.9% | +1.0% | -0.4% | -1.0% | -0.9% | +0.1% | -0.1% | +2.3% | +3.8% | -0.5% | +1.7% | +11.4% |
| 2016 | -6.8% | +0.6% | +3.1% | -0.5% | +3.3% | +0.2% | +4.4% | +0.6% | +0.6% | +0.8% | +4.0% | +2.2% | +12.6% |
| 2015 | - | - | - | - | - | - | - | - | - | - | - | -4.9% | -4.9% |
Future Michel Klaus returned +11.48% a year over the 11 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.