A buy-and-hold growth portfolio that captures global market returns with added exposure to smaller companies for higher growth potential.
The Strategy:
Who it's for: Long-term investors comfortable holding through market ups and downs. The small cap portion adds extra growth potential but also more volatility. Perfect for those who prefer a hands-off approach.
Risk level: Medium-high. The mix of emerging markets, tech, and small caps creates more volatility than a simple index, but the 45% core and gold provide stability.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
IUSQ.XETRA iShares MSCI ACWI UCITS ETF USD (Acc) • IE00B6R52259 | ETF | 45.0% | 0.2% |
CEBL.XETRA iShares MSCI EM Asia UCITS ETF (Acc) • IE00B5L8K969 | ETF | 20.0% | 0.2% |
XDWT.XETRA Xtrackers MSCI World Information Technology UCITS ETF 1C • IE00BM67HT60 | ETF | 15.0% | 0.25% |
EGLN.LSE iShares Physical Gold ETC • IE00B4ND3602 | ETF | 10.0% | 0.12% |
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31 | ETF | 5.0% | 0.35% |
CBUK.XETRA iShares MSCI China Tech UCITS ETF USD (Acc) • IE000NFR7C63 | ETF | 5.0% | 0.45% |
| Total | 100.0% | 0.22% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.2% | +2.1% | -6.8% | +10.0% | +7.9% | +0.3% | -3.8% | +3.8% | +0.1% | - | - | - | +16.9% |
| 2025 | +3.7% | -1.3% | -5.8% | -4.0% | +5.6% | +1.9% | +5.1% | +0.2% | +5.6% | +5.0% | -1.4% | +0.4% | +15.3% |
| 2024 | +1.1% | +4.0% | +3.9% | -0.6% | +1.5% | +5.5% | -0.5% | -0.8% | +4.0% | +1.1% | +4.4% | -0.1% | +25.8% |
| 2023 | +6.5% | -1.4% | +1.7% | -1.7% | +3.3% | +2.5% | +3.2% | -1.8% | -1.9% | -2.5% | +5.7% | +3.1% | +17.5% |
| 2022 | - | - | - | -1.7% | -3.3% | -3.9% | +6.5% | -1.0% | -7.0% | +0.0% | +4.1% | -4.7% | -11.2% |
Global Growth with Small Cap Edge (Trade Republic) returned +13.78% a year over the 4 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.