Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80 | ETF | 75.0% | 0.19% |
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31 | ETF | 15.0% | 0.35% |
4GLD.XETRA Xetra-Gold • DE000A0S9GB0 | ETF | 10.0% | 0% |
| Total | 100.0% | 0.20% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.0% | +2.7% | -6.1% | +6.9% | +4.9% | +0.1% | -1.5% | +3.0% | +0.7% | - | - | - | +13.8% |
| 2025 | +4.7% | -2.1% | -5.7% | -3.3% | +5.2% | +0.5% | +4.5% | +0.3% | +3.7% | +4.3% | +0.5% | +0.8% | +13.3% |
| 2024 | +2.2% | +3.2% | +4.2% | -1.4% | +1.1% | +3.8% | +1.3% | -0.5% | +2.0% | +1.4% | +6.2% | -1.5% | +23.9% |
| 2023 | +5.2% | -0.1% | -0.0% | -0.3% | +2.0% | +2.8% | +2.6% | -1.0% | -1.7% | -2.8% | +5.0% | +4.1% | +16.5% |
| 2022 | -4.5% | -0.9% | +3.6% | -1.6% | -3.5% | -5.5% | +8.5% | -1.4% | -5.6% | +3.1% | +1.4% | -4.9% | -11.7% |
| 2021 | +1.3% | +2.1% | +5.3% | +1.5% | +0.3% | +3.4% | +0.8% | +2.6% | -1.5% | +4.0% | +0.0% | +3.4% | +25.6% |
| 2020 | -0.3% | -7.5% | -10.9% | +9.5% | +2.2% | +2.2% | +0.4% | +4.6% | -0.9% | -1.4% | +7.3% | +2.6% | +6.1% |
| 2019 | - | - | - | - | - | - | +0.2% | -1.0% | +2.6% | +0.2% | +3.6% | +2.1% | +7.7% |
main returned +12.81% a year over the 7 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.