Egy lehetséges hosszú távú felosztás:
Súly ETF Szerep 65% SPYI – SPDR MSCI ACWI IMI UCITS ETF (Acc) 🌍 Globális core, developed + emerging + small cap 15% IUSN – iShares MSCI World Small Cap UCITS ETF 🏭 Small-cap felülsúlyozás 10% IS3S – iShares Edge MSCI World Value Factor UCITS ETF 💰 Value faktor 10% EIMI – iShares Core MSCI Emerging Markets IMI UCITS ETF 🌏 Emerging Markets felülsúlyozás
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SPYI.XETRA SPDR MSCI All Country World Investable Market UCITS ETF (Acc) • IE00B3YLTY66 | ETF | 60.0% | 0.17% |
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31 | ETF | 15.0% | 0.35% |
IS3S.XETRA iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59 | ETF | 15.0% | 0.25% |
EIMI.LSE iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66 | ETF | 10.0% | 0.18% |
| Total | 100.0% | 0.21% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.6% | +3.0% | -5.9% | +9.3% | +7.4% | +1.6% | -2.3% | +2.6% | +0.3% | - | - | - | +19.3% |
| 2025 | +4.3% | -2.0% | -6.7% | -4.1% | +5.8% | +1.1% | +4.3% | +0.8% | +2.7% | +4.3% | +0.1% | +0.9% | +11.5% |
| 2024 | +1.7% | +3.0% | +4.0% | -2.0% | +0.9% | +3.4% | +1.4% | -1.0% | +1.8% | +0.3% | +6.5% | -1.9% | +19.3% |
| 2023 | +5.6% | +0.0% | -1.1% | -0.7% | +1.5% | +4.0% | +2.8% | -1.4% | -1.3% | -4.3% | +5.4% | +4.8% | +15.8% |
| 2022 | -4.0% | -1.4% | +3.0% | -1.8% | -2.7% | -6.5% | +8.4% | -1.2% | -6.5% | +3.9% | +2.1% | -5.2% | -12.2% |
| 2021 | +2.0% | +3.4% | +5.6% | +0.8% | -0.1% | +3.7% | -0.2% | +2.6% | -1.4% | +3.8% | -0.7% | +3.7% | +25.6% |
| 2020 | -1.6% | -8.3% | -13.6% | +9.7% | +1.7% | +2.2% | -0.8% | +5.2% | -0.8% | -1.6% | +10.3% | +3.3% | +3.2% |
| 2019 | +8.5% | +3.2% | +1.7% | +3.1% | -5.8% | +3.8% | +3.2% | -2.8% | +3.5% | +0.4% | +4.0% | +2.4% | +27.4% |
| 2018 | - | - | - | +2.1% | +3.0% | -0.9% | +1.9% | +0.9% | +0.4% | -5.8% | +0.9% | -8.0% | -5.8% |
SPYI / IUSN / IS3S / EIMI returned +11.62% a year over the 8 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.