Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80 | ETF | 45.0% | 0.19% |
IQSA.XETRA Invesco Global Active ESG Equity UCITS ETF Acc • IE00BJQRDN15 | ETF | 5.0% | 0.3% |
XDEQ.XETRA Xtrackers MSCI World Quality UCITS ETF 1C • IE00BL25JL35 | ETF | 5.0% | 0.25% |
IWQU.LSE iShares Edge MSCI World Quality Factor UCITS ETF (Acc) • IE00BP3QZ601 | ETF | 5.0% | 0.25% |
XDEM.XETRA Xtrackers MSCI World Momentum UCITS ETF 1C • IE00BL25JP72 | ETF | 5.0% | 0.25% |
IWMO.LSE iShares Edge MSCI World Momentum Factor UCITS ETF (Acc) • IE00BP3QZ825 | ETF | 5.0% | 0.25% |
XDEV.XETRA Xtrackers MSCI World Value UCITS ETF 1C • IE00BL25JM42 | ETF | 5.0% | 0.25% |
IWVL.LSE iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59 | ETF | 5.0% | 0.25% |
WSML.LSE iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31 | ETF | 5.0% | 0.35% |
XDEB.XETRA Xtrackers MSCI World Minimum Volatility UCITS ETF 1C 1C • IE00BL25JN58 | ETF | 5.0% | 0.25% |
MVOL.LSE iShares Edge MSCI World Minimum Volatility UCITS ETF USD (Acc) • IE00B8FHGS14 | ETF | 5.0% | 0.3% |
VHYA.LSE Vanguard FTSE All-World High Dividend Yield UCITS ETF Acc • IE00BK5BR626 | ETF | 5.0% | 0.29% |
| Total | 100.0% | 0.23% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.7% | +2.8% | -5.5% | +8.7% | +6.5% | +2.7% | -2.2% | +2.1% | +0.6% | - | - | - | +18.0% |
| 2025 | +4.4% | -1.4% | -6.7% | -3.8% | +5.5% | +0.1% | +3.5% | +0.5% | +2.5% | +3.4% | +0.4% | +0.7% | +8.8% |
| 2024 | +3.5% | +3.8% | +4.0% | -2.2% | +1.3% | +4.0% | +0.6% | -0.2% | +1.2% | +0.7% | +6.6% | -1.7% | +23.4% |
| 2023 | +3.9% | +0.3% | -0.6% | +0.1% | +1.1% | +3.7% | +2.4% | -0.7% | -1.1% | -3.4% | +5.2% | +4.0% | +15.4% |
| 2022 | -4.6% | -1.5% | +4.2% | -2.0% | -3.0% | -5.9% | +8.2% | -1.3% | -5.7% | +4.7% | +1.1% | -4.8% | -11.2% |
| 2021 | +1.1% | +2.7% | +6.2% | +1.4% | -0.0% | +3.8% | +1.1% | +2.8% | -1.7% | +4.3% | -0.1% | +3.9% | +28.3% |
| 2020 | +0.2% | -8.7% | -11.0% | +8.6% | +2.1% | +1.6% | -1.1% | +5.4% | -0.9% | -2.3% | +8.4% | +2.4% | +2.7% |
| 2019 | - | - | - | - | - | - | - | - | +0.3% | -0.1% | +4.0% | +1.5% | +5.8% |
test returned +12.50% 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.