My portfolio holding a smaller extended reserve fund, laddered on top of my 6 month emergency cash fund. For thinks like housing maintenance/upgrades. Target is for it to be mid-term investing horizon, aprox 5 years, have lower volatility and achieve an aprox 4% CAGR.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
EUN0.XETRA iShares Edge MSCI Europe Minimum Volatility UCITS ETF • IE00B86MWN23 | ETF | 30.0% | 0.25% |
IE1A.XETRA iShares EUR Corporate Bond 1-5yr UCITS ETF EUR (Acc) • IE000F6G1DE0 | ETF | 30.0% | 0.2% |
CSH2.PA Amundi Smart Overnight Return UCITS ETF Acc • LU1190417599 | ETF | 20.0% | 0.1% |
IBCI.XETRA iShares Euro Inflation Linked Government Bond UCITS ETF • IE00B0M62X26 | ETF | 10.0% | 0.09% |
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602 | ETF | 10.0% | 0.12% |
| Total | 100.0% | 0.18% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.0% | +3.1% | -3.0% | +0.6% | +0.4% | -0.5% | +0.5% | +0.8% | -1.0% | - | - | - | +2.7% |
| 2025 | +2.7% | +1.3% | +0.2% | +0.9% | +0.9% | -1.0% | +0.3% | +0.3% | +1.2% | +1.6% | +0.9% | +0.5% | +10.2% |
| 2024 | +0.6% | -0.1% | +2.2% | +0.2% | +0.9% | +0.4% | +1.9% | +1.2% | +0.9% | +0.2% | +0.9% | -0.7% | +8.9% |
| 2023 | +1.8% | -0.1% | +1.7% | +1.2% | -0.6% | -0.3% | +0.9% | -0.4% | -1.0% | +0.5% | +1.9% | +1.5% | +7.1% |
| 2022 | - | - | - | +0.0% | -2.0% | -2.4% | +3.2% | -3.0% | -3.1% | +1.1% | +2.5% | -1.2% | -5.0% |
Mid-Term Anchor Portfolio returned +5.30% 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.