I'm building this portfolio to help me prepare for mid-term financial goals, mainly things like house renovations over the next five years. It’s designed with stability and flexibility in mind, balancing potential growth with lower risk options. I'm not chasing big wins, I want my money to work quietly in the background, but at a better rate than MoneyMarket funs, so that when it’s time to rebuild the kitchen, fix up the bathroom, or make some upgrades, I'll have a solid pot ready.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
D5BG.XETRA Xtrackers II EUR Corporate Bond UCITS ETF 1C • LU0478205379 | ETF | 30.0% | 0.09% |
EUN0.XETRA iShares Edge MSCI Europe Minimum Volatility UCITS ETF • IE00B86MWN23 | ETF | 30.0% | 0.25% |
CSH2.PA Amundi Smart Overnight Return UCITS ETF Acc • LU1190417599 | ETF | 20.0% | 0.1% |
GOLD.PA Amundi Physical Gold ETC (C) • FR0013416716 | ETF | 10.0% | 0.12% |
IBCI.XETRA iShares Euro Inflation Linked Government Bond UCITS ETF • IE00B0M62X26 | ETF | 10.0% | 0.09% |
| Total | 100.0% | 0.14% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.4% | +3.1% | -3.2% | +0.6% | +0.5% | -0.5% | +0.3% | +0.7% | -1.1% | - | - | - | +2.7% |
| 2025 | +2.7% | +1.3% | -0.0% | +0.9% | +1.0% | -1.0% | +0.4% | +0.3% | +1.3% | +1.6% | +0.8% | +0.2% | +9.8% |
| 2024 | +0.5% | -0.1% | +2.4% | +0.1% | +0.9% | +0.4% | +2.1% | +1.1% | +0.9% | +0.1% | +1.1% | -0.8% | +8.9% |
| 2023 | +2.1% | -0.4% | +1.9% | +1.2% | -0.5% | -0.3% | +0.8% | -0.5% | -1.2% | +0.5% | +2.2% | +1.7% | +7.6% |
| 2022 | -2.1% | -0.8% | +0.7% | -0.4% | -2.3% | -2.7% | +3.8% | -3.5% | -3.4% | +0.9% | +3.2% | -1.5% | -8.2% |
| 2021 | -0.6% | -1.5% | +2.3% | +0.5% | +1.3% | +0.8% | +1.9% | +0.5% | -1.9% | +1.2% | +0.4% | +1.8% | +7.0% |
| 2020 | +1.4% | -2.6% | -5.4% | +3.1% | +0.7% | +1.2% | +1.1% | +0.1% | -0.1% | -1.0% | +1.7% | +1.1% | +1.1% |
| 2019 | - | - | - | - | -0.1% | +2.2% | +1.0% | +1.6% | +0.2% | +0.0% | +0.2% | +0.7% | +6.0% |
Mid-Term Alt Portfolio returned +4.64% 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.