Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SPYY.XETRA SPDR MSCI All Country World UCITS ETF (Acc) • IE00B44Z5B48 | ETF | 30.0% | 0.12% |
8PSG.F Invesco Physical Gold ETC • IE00B579F325 | ETF | 25.0% | 0.12% |
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497 | ETF | 25.0% | 0.1% |
MTB.PA Amundi Euro Government Bond 3-5Y UCITS ETF Acc • LU1650488494 | ETF | 20.0% | 0.15% |
| Total | 100.0% | 0.12% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.0% | +2.9% | -4.6% | +2.5% | +1.4% | -1.6% | -0.9% | +2.9% | +0.4% | - | - | - | +5.8% |
| 2025 | +3.5% | -0.5% | -0.5% | -0.5% | +1.4% | -0.5% | +2.3% | +0.5% | +4.2% | +2.9% | +1.1% | +1.0% | +15.8% |
| 2024 | +1.3% | +0.9% | +3.4% | +1.1% | +0.2% | +1.9% | +1.1% | +0.5% | +1.9% | +2.3% | +1.9% | -0.3% | +17.5% |
| 2023 | +2.7% | -1.1% | +2.0% | -0.2% | +1.5% | -0.3% | +1.1% | -0.1% | -1.1% | +1.0% | +2.1% | +1.4% | +9.4% |
| 2022 | -1.3% | +0.9% | +1.3% | +0.2% | -2.2% | -2.0% | +3.0% | -1.4% | -2.4% | +0.1% | +1.3% | -1.8% | -4.3% |
| 2021 | +0.2% | -0.8% | +2.1% | +0.9% | +1.2% | +0.4% | +1.1% | +1.0% | -1.4% | +1.9% | +1.1% | +1.2% | +9.3% |
| 2020 | +1.1% | -2.1% | -3.3% | +4.4% | +0.5% | +1.4% | +1.6% | +1.0% | -0.9% | -0.7% | +0.4% | +1.5% | +4.9% |
| 2019 | +3.1% | +1.1% | +0.6% | +1.3% | -1.4% | +3.1% | +1.7% | +1.7% | +0.3% | +0.1% | +0.6% | +1.1% | +14.2% |
| 2018 | -0.0% | -0.5% | -1.2% | +1.6% | +1.3% | -0.9% | -0.2% | +0.2% | -0.3% | -0.5% | +0.4% | -1.1% | -1.2% |
| 2017 | +0.3% | +2.8% | -0.2% | -0.5% | -0.9% | -1.5% | -0.2% | +0.7% | +0.3% | +1.0% | -0.3% | +0.6% | +2.1% |
| 2016 | -0.8% | +3.1% | -0.7% | +1.1% | +0.0% | +2.2% | +1.6% | -0.3% | -0.3% | -0.0% | +0.2% | +0.5% | +6.8% |
| 2015 | +5.0% | +1.4% | +1.1% | -1.3% | +1.4% | -2.8% | -0.4% | -2.4% | -1.8% | +4.8% | +0.3% | -2.2% | +2.7% |
| 2014 | +0.5% | +1.8% | -0.5% | +0.3% | +1.1% | +1.7% | +0.3% | +1.6% | -0.1% | -0.1% | +1.4% | +1.1% | +9.4% |
| 2013 | +0.8% | -1.6% | +2.2% | -2.1% | -0.3% | -4.1% | +2.2% | +0.5% | -0.4% | +0.6% | +0.2% | -0.9% | -3.1% |
| 2012 | - | - | - | - | - | - | - | - | - | - | +0.3% | +0.1% | +0.5% |
test returned +6.31% a year over the 14 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.