Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
IWDA.LSE iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983 | ETF | 63.0% | 0.2% |
AEGE.XETRA iShares Global Aggregate Bond ESG SRI UCITS ETF EUR Hedged (Acc) • IE000APK27S2 | ETF | 20.0% | 0.1% |
H4Z3.XETRA HSBC MSCI Emerging Markets UCITS ETF USD (Acc) • IE000KCS7J59 | ETF | 12.0% | 0.15% |
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602 | ETF | 5.0% | 0.12% |
| Total | 100.0% | 0.17% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.4% | +2.6% | -5.5% | +7.1% | +4.7% | +0.5% | -1.7% | +3.0% | +0.0% | - | - | - | +12.2% |
| 2025 | +3.3% | -1.3% | -5.1% | -2.5% | +4.0% | +0.6% | +3.1% | +0.8% | +3.0% | +3.6% | -0.0% | +0.3% | +9.7% |
| 2024 | +2.0% | +2.4% | +3.4% | -1.2% | +0.7% | +4.1% | +0.5% | -0.1% | +1.9% | +0.5% | +5.0% | -0.5% | +20.2% |
| 2023 | +4.5% | -0.5% | +0.8% | -0.1% | +1.3% | +2.7% | +2.3% | -1.2% | -1.5% | -2.6% | +5.1% | +3.6% | +14.8% |
| 2022 | - | - | - | - | - | - | +2.9% | -1.5% | -5.3% | +1.9% | +1.1% | -3.8% | -4.8% |
Test_without_DFND returned +12.27% a year over the 4 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.