Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SWDA.SW iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983 | ETF | 40.0% | 0.2% |
2B7S.XETRA iShares USD Treasury Bond 1-3yr UCITS ETF EUR Hedged (Acc) • IE00BDFK1573 | ETF | 20.0% | 0.1% |
EIMI.LSE iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66 | ETF | 15.0% | 0.18% |
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602 | ETF | 15.0% | 0.12% |
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31 | ETF | 10.0% | 0.35% |
| Total | 100.0% | 0.18% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.8% | +3.3% | -6.0% | +5.9% | +4.0% | -0.3% | -2.1% | +3.2% | +0.5% | - | - | - | +11.4% |
| 2025 | +3.8% | -1.2% | -3.4% | -2.0% | +3.3% | +0.1% | +2.9% | +1.3% | +3.7% | +3.6% | +0.9% | +0.9% | +14.5% |
| 2024 | +1.6% | +2.0% | +3.7% | -0.3% | +0.5% | +3.1% | +1.2% | -0.2% | +2.3% | +1.0% | +4.1% | -1.0% | +19.5% |
| 2023 | +4.5% | -0.7% | +0.6% | -0.5% | +1.1% | +1.7% | +2.5% | -1.1% | -1.3% | -1.7% | +4.0% | +2.9% | +12.4% |
| 2022 | -2.9% | -0.1% | +2.0% | -0.8% | -2.8% | -4.0% | +5.2% | -0.8% | -4.5% | +1.1% | +1.4% | -2.9% | -9.1% |
| 2021 | - | - | - | - | - | - | -0.1% | +1.7% | -1.0% | +2.5% | +0.0% | +2.4% | +5.5% |
growth portfolio optimization test 1 returned +10.13% 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.