Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VUAA.XETRA Vanguard S&P 500 UCITS ETF (USD) Accumulating • IE00BFMXXD54 | ETF | 60.0% | 0.07% |
SGLD.LSE Invesco Physical Gold ETC • IE00B579F325 | ETC | 20.0% | 0.12% |
C3M.PA Amundi Euro Government Bond 0-6 M UCITS ETF Acc • FR0010754200 | ETF | 20.0% | 0.14% |
| Total | 100.0% | 0.09% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.5% | +1.2% | -4.5% | +5.3% | +3.8% | -1.5% | -0.9% | +3.6% | -0.2% | - | - | - | +9.4% |
| 2025 | +3.9% | -1.8% | -4.1% | -2.6% | +3.5% | -0.0% | +4.0% | +0.2% | +4.1% | +4.0% | +1.1% | +0.1% | +12.4% |
| 2024 | +2.8% | +2.7% | +4.0% | -0.4% | +0.7% | +4.5% | +0.4% | -0.1% | +2.0% | +3.0% | +5.2% | -0.5% | +26.9% |
| 2023 | +3.3% | +0.0% | +1.3% | -0.1% | +2.9% | +1.6% | +1.8% | +0.3% | -1.7% | -0.6% | +3.5% | +2.5% | +15.9% |
| 2022 | -3.6% | +0.1% | +4.3% | -1.1% | -3.5% | -3.2% | +6.2% | -0.9% | -3.3% | +2.1% | -0.8% | -3.5% | -7.5% |
| 2021 | +0.4% | +0.8% | +4.7% | +1.8% | +0.2% | +2.8% | +2.0% | +2.4% | -1.5% | +4.1% | +1.9% | +3.2% | +25.2% |
| 2020 | - | -9.1% | -4.8% | +7.1% | +1.3% | +0.8% | +1.4% | +3.7% | -1.5% | -1.6% | +2.4% | +1.7% | +0.6% |
1 returned +12.02% 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.