Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
IS3R.XETRA iShares Edge MSCI World Momentum Factor UCITS ETF (Acc) • IE00BP3QZ825 | ETF | 40.0% | 0.25% |
ZPRV.XETRA SPDR MSCI USA Small Cap Value Weighted UCITS ETF • IE00BSPLC413 | ETF | 27.0% | 0.3% |
SGLD.AS Invesco Physical Gold ETC • IE00B579F325 | ETC | 10.0% | 0.12% |
DBZB.XETRA Xtrackers II Global Government Bond UCITS ETF 1C EUR Hedged • LU0378818131 | ETF | 9.0% | 0.25% |
EUIN.XETRA Amundi Euro Inflation Expectations 2-10Y UCITS ETF Acc • LU1390062245 | ETF | 7.0% | 0.25% |
IUST.XETRA iShares USD TIPS UCITS ETF USD (Acc) • IE00B1FZSC47 | ETF | 7.0% | 0.1% |
| Total | 100.0% | 0.24% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.8% | +2.1% | -4.3% | +7.6% | +3.9% | +4.9% | -4.5% | +0.5% | +0.6% | - | - | - | +13.9% |
| 2025 | +4.8% | -1.9% | -5.7% | -2.9% | +4.3% | -0.3% | +3.1% | +0.7% | +3.1% | +2.2% | +1.1% | +0.4% | +8.5% |
| 2024 | +2.6% | +6.1% | +4.5% | -1.8% | +1.5% | +3.0% | +1.4% | -1.0% | +1.5% | +2.3% | +6.3% | -2.7% | +25.9% |
| 2023 | +2.2% | +0.5% | -3.4% | -0.3% | -0.7% | +3.6% | +2.2% | -0.3% | -1.5% | -2.8% | +4.1% | +5.1% | +8.7% |
| 2022 | -4.7% | +0.5% | +3.4% | -2.2% | -2.5% | -4.6% | +6.8% | -0.4% | -4.3% | +5.5% | -0.7% | -4.4% | -7.9% |
| 2021 | +3.6% | +1.4% | +4.5% | +2.1% | -0.3% | +2.1% | +0.7% | +2.4% | -0.3% | +4.0% | -0.2% | +1.9% | +24.2% |
| 2020 | +1.0% | -5.7% | -9.4% | +7.8% | +1.6% | +2.4% | +0.6% | +3.9% | -1.1% | -0.4% | +6.0% | +1.9% | +7.7% |
| 2019 | +6.5% | +3.5% | +1.3% | +2.4% | -3.3% | +3.3% | +3.7% | -0.4% | +1.1% | -0.8% | +2.9% | +1.2% | +23.1% |
| 2018 | +0.3% | -0.4% | -2.7% | +3.4% | +5.1% | -0.1% | +0.4% | +3.0% | -0.1% | -4.6% | +0.3% | -6.8% | -2.8% |
| 2017 | - | - | -1.1% | -0.6% | -2.0% | -0.5% | -1.0% | -0.2% | +2.8% | +3.1% | -0.1% | +0.5% | +0.8% |
Riccardo IC returned +10.15% a year over the 10 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.